Digitalisation and Value Creation

Digital customers: Highly engaged; multiple times more transactions... Customer-initiated transactions per customer, 2017 Consumer 16x 60 SME 389 6x 64 Online channel 4 Offline channel T D T D 3,521 2,255 Customers ('000) 84 81 Customer base as of Jun 2017; other 2017 figures annualised based on 1H17, where applicable; numbers have slight rounding differences > DBS 15

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