Digitalisation and Value Creation

Consumer: Consistently higher income from broad-based engagement Multiple over T 2015 2016 2017 Income per customer 2x 2x 2x Products 2017 1.7x 838 1.6x Other lending 2.6x Credit cards Deposit balance 1.5x 3.4x Mortgages 418 2.2x Wealth and others Loan balance 3.6x 1.5x Deposits T D Investment balance 2.0x 2017 figures annualised based on 1H17, where applicable; income per customer excludes lump-sum income not tracked at customer level ☑DBS 17

View entire presentation