Digitalisation and Value Creation

Superior returns from Digital segment 2017 profit and loss (S$bn) Total T D Digital is material Customers (m) 5.9 3.6 2.3 39% of customers contribute Income 5.1 2.0 3.1 60% of income and 68% of Costs 2.2 1.1 1.1 profit before allowances Profit before allowances 2.9 0.9 2.0 Key indicators Digital is more valuable Income per customer (S$'000) 0.9 0.6 1.3 2X income per customer Cost-income ratio (%) 43 55 34 20pp lower CIR Return on equity (%) 24 19 27 9pp higher ROE Customer base as of Jun 2017; other 2017 figures annualised based on 1H17, where applicable; numbers have slight rounding differences ☑DBS 9

View entire presentation