Digitalisation and Value Creation

Agenda 2017 income Digital, 60% · 23% CAGR 27% ROE 44% • 11% CAGR ⚫ 24% ROE 01 Robust and well-tested methodology to measure digital value creation Traditional, 40% • -2% CAGR 02 Digital segment demonstrates clearly superior financial and operating metrics • 19% ROE 03 Rigorous business planning to drive digital adoption and progressively reduce cost-income ratio (CIR) ☑DBS 5

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