Investor Day 2023

Disclaimer Forward-looking statements This presentation includes forward-looking statements ("Forward-Looking Statements"), including statements made orally by DBS' management. These Forward-Looking Statements are or will be based upon numerous assumptions regarding the DBS Group's present and future business strategies and the environment in which the DBS Group will operate in the future and include such words as "intends", "aims", "forecasts", projects", "anticipate", "estimates", "should", "will", "expects", plans" or similar expressions. Such Forward-Looking Statements are not guarantees of future performance as actual events are difficult to predict and involve inherent known and unknown risks, uncertainties and contingencies because they relate to events and depend on circumstances that may or may not occur in the future, and may cause the actual results, performance or achievements of the DBS Group to differ materially from those expressed or implied by such Forward-Looking Statements. These Forward-Looking Statements are statements regarding the DBS Group's intentions, beliefs or current expectations concerning, among other things, the DBS Group's results of operations, financial condition, liquidity, prospects, growth, strategies and the industry in which the DBS Group operates. Many of these risks and uncertainties relate to factors that are beyond the DBS Group's ability to control or estimate precisely, such as future market conditions, currency fluctuations, the behaviour of other market participants, the actions of regulators and other factors such as the DBS Group's ability to continue to obtain financing to meet its liquidity needs, changes in the political, social and regulatory framework in which the DBS Group operates or in economic or technological trends or conditions. Forward-Looking Statements that reference past trend or activities should not be taken as a representation that such trends or activities will necessarily continue in the future. Past performance should not be taken as an indication or guarantee of future results, and no representation or warranty, express or implied, is made regarding future performance. All Forward- Looking Statements included are or will be based on information available on the date hereof or the date of presentation or discussion and none of the DBS Group, or its respective affiliates, agents or representatives undertake any obligation to update or revise any Forward-Looking Statements, whether as a result of new information, future events or otherwise, and expressly disclaim any obligation or undertaking to release any updates or revisions to these Forward-Looking Statements to reflect any change in the DBS Group's expectations with regard thereto or any change in events, conditions or circumstances on which any statement is based after the date of this presentation or to update or to keep current any other information contained in this presentation. Accordingly, undue reliance should not be placed on the Forward-Looking Statements, which speak only as of the date of this presentation. Accordingly, there can be no assurance that any estimated returns or projections can be realised, that any Forward-Looking Statements will materialise or that actual returns or results will not be materially lower than those that may be presented or discussed. By attending the meeting where this presentation is made or by receiving and using this presentation and/or accepting a copy of this presentation, you acknowledge and represent to the DBS Group, and agree to be bound by the foregoing limitations in this presentation. The Information and the opinions contained in this presentation is subject to change without notice. 19

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