Investor Presentaiton

Summary Strategy leveraging Asia's megatrends has paid off with diversified growth and higher returns Digitalisation creates opportunity to pre-empt disruptors, disrupt incumbents and improve business profitability Our digital transformation is pervasive, encompassing technology, customer journey and a start-up culture. This is difficult to replicate and creates competitive advantage We have established a management and measurement system to drive this transformation, and a robust methodology to track financials Early results of our efforts are encouraging. Digitalisation has accelerated income growth and lowered structural costs, boosting operating leverage. The opportunity space is significant >DBS 31

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