Investor Day 2023

6. Scaling our India franchise XDBS Income (S$m) Cost to Income (%) Return on Equity (%) 183 551 86 78 (3) 5 2017 2022 2017 2022 2017 2022 Expanded network to >500 branches Full-service platform, similar to any local bank Leveraging digital capabilities and ecosystem partnerships to capture high-growth Consumer and SME segments Surojit SHOME Country Head, India 230pm Presentation Scaling in growth markets: India deep-dive 16

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