Investor Presentaiton

Consumer and SME (Singapore, Hong Kong) Pre-empt disruptors 38% S$4.1bn 2015 income: S$10.8bn ◉ Rapidly transforming to digital Gaining market share, creating new income streams ■ #1 in Singapore in mortgage, auto loans, cards, bancassurance today1 1 Ranking for mortgage, auto loans, cards based on balances (source: Credit Bureau Singapore, Sep 17); Ranking for bancassurance based on new business weighted premiums (source: Life Insurance Association, 9M17) >DBS 25

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