Digitalisation and Value Creation

Digital customers: Consistently faster growth in income per customer Relative income growth for same customer cohort, 2016 v 2015 Slower than overall Moderately slower than overall Faster than overall Consumer SME T 1 D 2 T to D T 1 D 2 T to D Total Total Deposits Mortgages Credit cards Loans Cash management Other lending Wealth and others % of customers 65 28 7 Trade finance Treasury 1 Existing Digital customers (D): Faster income growth 2 Newly migrated Digital customers (T to D): Also show faster income growth 65 28 7 ☑DBS 19

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