Digitalisation and Value Creation

Upside in Digital customer base to drive progressively lower CIR Consumer and SME (Singapore, Hong Kong) Digital share of customers (%) Cost-income ratio (%) 33 > 50-60 43 <40 39 39 2015 2017 Aspiration Customer base as of Jun 2017; other 2017 figures annualised based on 1H17, where applicable 2017 Aspiration ☑DBS 26

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