Investor Day 2023

Disclaimer Important notice This presentation has been prepared by DBS and is solely for information purposes only and for your use, and on the basis of your acceptance of this disclaimer and does not purport to be a complete description of all material terms. This presentation is not a prospectus or other offering document under any law and should not be treated as offering material of any sort. This presentation may not be copied, distributed, reproduced or passed on, directly or indirectly, in whole or in part, or disclosed by any recipient, to any other person (whether within or outside such person's organisation or firm) or published, directly or indirectly, in whole or in part, for any purpose or under any circumstances. In particular, the distribution of this presentation in certain jurisdictions may be restricted by law and persons into whose possession this presentation comes should inform themselves about, and observe, any such restrictions. Failure to comply with this restriction may constitute a violation of applicable securities laws. This presentation, and any other information presented or discussed in connection therewith (collectively with any other documentation referencing or memorialising any of the foregoing, the "Information"), does not purport to be all-inclusive or to contain all of the Information that an investor may desire. The recipients of the Information contained in this presentation should not use this Information to acquire or sell, or attempt to acquire or sell, for themselves or for a third party, either directly or indirectly, any securities of the DBS Group. The presentation has not been and will not be independently verified, and no representation or warranty, express or implied, is made or given by or on behalf of DBS. In all cases, interested parties should conduct their own investigation and analysis of the Information. Neither the DBS Group, any of its related corporations, or their respective agents, directors, officers, employees, advisers or representatives makes any representation or warranty (express or implied) herein or otherwise as to the accuracy or completeness of any of the Information, and none of the foregoing shall have any liability for any representations (express or implied) contained in, or for any omissions from, any Information. No representation or warranty, either expressly or implied, is made as to, and no reliance should be placed on, the accuracy, completeness or fairness of the Information or opinions contained in this presentation and no responsibility or liability is assumed by any such persons for any such information or opinions or for any errors or omissions. The Information contains data that may no longer be complete or current, and all Information presented or contained in this presentation is subject to verification, correction, completion and change without notice. In giving this presentation, none of DBS Group, any of its related corporations, or their respective agents, directors, officers, employees, advisers or representatives undertakes any obligation to amend, correct or update this presentation or to provide the recipient with access to any additional Information that may arise in connection with it. The Information contains data regarding past performance, such past performance is not indicative of future performance which may differ materially from those contained in this presentation. This presentation does not constitute or form part of, and should not be construed as, any offer, invitation or recommendation to purchase, sell or subscribe for any securities in any jurisdiction and neither the issue of the Information nor anything contained herein shall form the basis of or be relied upon in connection with, or act as an inducement to enter into, any investment activity. This presentation contains selected information about the activities of the DBS Group as at the date of this presentation. This presentation does not purport to contain all of the Information that may be required to evaluate any investment in DBS Group or any of its securities and should not be relied upon to form the basis of, or be relied on in connection with, any contract or commitment or investment decision whatsoever. This presentation is intended to present background information on the DBS Group, its business and the industry in which it operates and is not intended to provide complete disclosure upon which an investment decision could be made. Any decision to invest should be made solely on the basis of information contained in the offering documentation published in relation to such offering. The merit and suitability of an investment in DBS Group or any of its securities should be independently evaluated and any person considering such an investment is advised to obtain independent advice as to the legal, tax, accounting, financial, credit and other related advice prior to making an investment. To the extent available, the data contained in this presentation has come from official or third party sources. Third party industry publications, studies and surveys generally state that the data contained therein have been obtained from sources believed to be reliable, but that there is no guarantee of the accuracy or completeness of such data. While DBS believes that each of these publications, studies and surveys has been prepared by a reputable source, DBS has not independently verified the data contained therein. In addition, certain of the data contained in this presentation come from DBS' own internal research and estimates based on the knowledge and experience of DBS' management in the market in which the DBS Group operates. While DBS believes that such research and estimates are reasonable and reliable, they, and their underlying methodology and assumptions, have not been verified by any independent source for accuracy or completeness and are subject to change without notice. Accordingly, undue reliance should not be placed on any of the data contained in this presentation. The DBS Group does not undertake to provide any additional information or to remedy omissions in or from this presentation. If certain risks and uncertainties materialise, or if certain underlying assumptions prove incorrect, the DBS Group may not be able to achieve its financial targets and strategic objectives. The DBS Group does not intend, and does not assume any obligation, to update industry information set forth in this presentation. 18

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