Digitalisation and Value Creation

SME: Consistently higher income from broad-based engagement Multiple over T 2015 2016 2017 2017 Income per customer 2x 2x 2x Products 1.7x 12,068 3.6x Treasury 2.3x Trade finance Cash Deposit balance 2.6x 5,552 3.2x management 1.4x Loans T D Loan balance 1.3x 2017 figures annualised based on 1H17, where applicable; income per customer excludes lump-sum income not tracked at customer level ☑DBS 18

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