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Investor Presentaiton

Other Businesses1 Digitalise for profitability -6pp from 2015 52% S$6.0bn ■ Income flat; while Cash Management (16% CAGR²) and Private Bank (26% CAGR²) have been standouts, trading has been a drag ■ Reduced cost³ by ~$100m ■ Income likely to grow mid-single-digit; aspirational ROE ~10% 2017 income: S$11.6bn 2017 figures annualised based on 1H17, where applicable 1 Corporate Bank, Private Bank, Markets, and Others 2 2015-2017 3 2017 vs. 2015 >DBS 30

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