Digitalisation and Value Creation

First bank to develop methodology to measure digital value creation Consumer and SME (Singapore, Hong Kong) 2017 income 44% • 11% CAGR 24% ROE Two distinct segments based on customer behaviour • Digital • 23% CAGR 27% ROE 49% (2015) ● Traditional • -2% CAGR • 19% ROE 60% (2017) Digital (D): predominantly online / mobile interactions Traditional (T): predominantly offline interactions We have been progressively helping our customers adopt Digital behaviours The Digital segment is growing faster, with superior ROE 2017 figures annualised based on 1H17, where applicable; CAGR refers to 2015-2017 income DBS 4

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