Digitalisation and Value Creation

2015-2017 Profit and loss 2015 2016 2017 Consumer and SME (Singapore, Hong Kong) Total T D Total T D Total T D Profit and loss (S$bn) Customers (m) 5.9 3.9 1.9 5.9 3.8 2.2 5.9 3.6 2.3 Income 4.1 2.1 2.0 4.9 2.2 2.7 5.1 2.0 3.1 Costs 2.0 1.2 0.8 2.2 1.2 1.0 2.2 1.1 1.1 Profit before allowances 2.1 0.9 1.2 2.7 1.0 1.8 2.9 0.9 2.0 Key indicators Income per customer (S$) 708 537 1,056 821 578 1,244 858 568 1,306 Cost-income ratio (%) 49 58 40 44 55 35 43 55 34 Return on equity (%) 22 18 25 23 19 27 24 19 27 Customer base as of Jun 2017; other 2017 figures annualised based on 1H17, where applicable; numbers have slight rounding differences ☑DBS 30 50

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