Digitalisation and Value Creation

Digital customers have consistently lower CIR and higher ROE CIR (%) 60 50 40 20 58 55 55 55 40 40 35 34 =4 T ROE (%) 30 27 27 D 25 25 20 19 19 18 T D 10 18pp 20pp 20pp Delta 0 2015 2016 2017 2017 figures annualised based on 1H17, where applicable; numbers have slight rounding differences LO 8pp 8pp 9pp Delta 0 2015 2016 2017 ☑DBS 12

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