Investor Day 2023

5. Scaled our Global Transaction Services franchise XDBS Income (S$b) Cost to Income (%) Return on Equity (%) 1.9 2017 3.3 38 32 18 38 2022 2017 2022 2017 2022 Improved market access and capacity, and reduced latency Capitalised on shift from offline-to-online commerce through high-volume, low-value, real-time payments Captured supply chain shifts through API capabilities TAN Su Shan Group Head, Institutional Banking 150pm Presentation Transformation expanded to Global Transaction Services 13

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