Digitalisation and Value Creation

Transact: KPIs set and tracked to drive results KPIs Consumer Migrate transactions to digital: • Deposits • Remittance • Loans • Equity Unit trusts SME Migrate transactions to digital: Example Cross-border payments: Customer-initiated Volume of transactions (m) 2.9 4.5 6.1 D • Cash • Trade FX 1.7 Design for "no-ops": 0.5 0.4 0.4 0.3 • Cash and trade processing T • Loan creation, disbursements and servicing Account opening and maintenance 2014 2015 2016 2017 2017 data refers to full-year forecast across segments for Singapore and Hong Kong ☑DBS 24 24

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