Digitalisation and Value Creation

39% of customers contribute 68% of profit before allowances Digital share of customers, income and profit before allowances Customers 33 39 49 Income 60 Profit before allowances 58 59 68 +6pp +11pp +11pp 2015 2016 2017 0 10 20 30 40 50 60 70 Digital share (%) Customer base as of Jun 2017; other 2017 figures annualised based on 1H17, where applicable; numbers have slight rounding differences ☑DBS 11

View entire presentation