Investor Presentaiton

Consumer and SME (Growth Markets) Disrupt incumbents 4%, S$503m 2017 income: S$11.6bn 2017 figures annualised based on 1H17, where applicable ■ A bet on the future ■ Income growth likely to be >20% CAGR ■ Has potential to contribute ~10% of the bank's income in 5 years; aspirational ROE >10% ☑DBS 28

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