Digitalisation and Value Creation

Acquire: KPIs set and tracked across products to drive results KPIs Examples Online deposit account opening Consumer Increase digital acquisition share: • Deposits Digital share of deposits onboarding • Cards • Loans 43% • Equity Unit trusts 11% 32pp • General insurance SME Increase digital share of: • New account opening • Banker's guarantee Loans Increase subscriptions: 2014 2017 Online deposit account opening Digital share of deposits onboarding 64% 27% • IDEAL - online banking platform 2014 2017 2017 figures annualised based on 1H17, where applicable 137pp ☑DBS 23 23

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