【正文】 ness ? Enhance coverage of target customers Why do we want to do this ? Key initiative 1 Focus on Building our Franchise in 3 key Cities: Shanghai, Guangzhou amp。 ? Deposit – RMB Current A/C。 bancassurance ? Continuous negotiation with external partners for petitive pricing and quality services ? Increased shared services capabilities and infrastructure (Tamp。 A TS ( N I M % ) , 2 . 8 5 % 2 . 6 3 % 2 . 7 1 % 3 . 2 0 %1 0 . 1 2 %2 . 3 7 %0 . 1 1 %Fi x e d D e po s i t s ( N I M % ) , 0 . 9 5 % 0 . 9 6 % 0 . 8 5 % 1 . 1 0 % 1 . 2 3 % 2 . 5 2 %0 . 0 10 . 0 1 0 . 0 10 . 0 10 . 0 20 . 0 20 . 0 30 . 0 3 0 . 0 30 . 0 3 0 . 0 30 . 0 30 . 0 00 . 0 00 . 0 10 . 0 20 . 0 2 0 . 0 20 . 0 20 . 0 20 . 0 30 . 0 40 . 0 4 0 . 0 40 . 0 50 . 0 70 . 0 80 . 0 00 . 0 10 . 0 20 . 0 30 . 0 4 0 . 0 40 . 0 30 . 0 40 . 0 50 . 0 80 . 0 8 0 . 0 80 . 0 90 . 1 20 . 1 30 . 0 00 . 0 10 . 0 3J u l 0 7 A u g 0 7 Se p 0 7 O c t0 7 N o v 0 7 D e c 0 7 J a n 0 8 F e b 0 8 M a r 0 8 A p r 0 8 M a y 0 8 J u n 0 8 2022A 2022A 2022ASa v i n g s amp。 mortgage products ? Treasures ? Wealth Management ? Deposit ? Mortgage ? Global Brand name ? Wealth Mgt Service ? Long presence in China ? Innovative ? Wealth Mgt ? Priority Banking ? Aggressive mortgage amp。 leadership strength for managerial staff People Development Sales amp。 FCY) ? DBS CUP debit cards ? Insurance (Life amp。 Savings Plan and Annuity Plan When As is 1H 2022 To be /2022 Customer Base 6,312 Loans EOP (SGD) Deposits EOP (SGD) ? Deposit as “Hunter” – RMB Deposit as key product hook for customer prospecting。O, Credit, Product development) in China to gain cost synergy and improve efficiency ? Dedicated CB pliance resources for better control and monitoring ? Develop endtoend structured product manufacturing and distribution capabilities to strengthen petitiveness of investment products Strategic Alliance Cross BU customer synergy End to End Processes ? Set up amp。 A u t o s a v e F i x e d D e p o s i t s18 T o t a l 0 . 0 2 0 . 0 5 0 . 0 7 0 . 0 8 0 . 1 1 0 . 0 6 0 . 1 4 0 . 1 7 0 . 5 5 0 . 0 4 ( 0 . 1 8 ) 0 . 0 9 0 . 0 0 0 . 0 0 0 . 0 6 O t h e r s 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 4 0 . 0 0 0 . 0 8 0 . 0 6 0 . 0 5 0 . 1 3 ( 0 . 0 4 ) 0 . 0 4 ( 0 . 0 0 ) 0 . 0 1 S e c u r e d L o a n s 0 . 0 1 0 . 0 2 0 . 0 5 0 . 0 1 ( 0 . 0 0 ) 0 . 0 6 0 . 1 1 0 . 4 9 ( 0 . 1 1 ) ( 0 . 1 7 ) 0 . 0 3 0 . 0 0 0 . 0 0 0 . 0 1 D e p o s i t s 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 1 0 . 0 1 0 . 0 1 0 . 0 1 0 . 0 0 0 . 0 0 0 . 0 0 T r e a s u r y 0 . 0 0 0 . 0 2 0 . 0 2 0 . 0 6 0 . 0 8 0 . 0 5 0 . 0 0 0 . 0 3 B a n c a s s u r a n c e 0 . 0 0 0 . 0 0 0 . 0 1 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 1 0 . 0 0 0 . 0 0 0 . 0 0 S t r u c t u r e d D e p o s i t s 0 . 0 0 0 . 0 1 0 . 0 0 0 . 0 1 0 . 0 1 0 . 0 1 0 . 0 0 0 . 0 0 J u l 0 7 A u g 0 7 S e p 0 7 O c t 0 7 N o v 0 7 D e c 0 7 J a n 0 8 F e b 0 8 M a r 0 8 A p r 0 8 M a y 0 8 J u n 0 8 2 0 0 5 A R R 2 0 0 6 A R R 2 0 0 7 A R RFootnote: 1 Bancassurance includes life insurance and general insurance. 2 Treasury includes ELD/ELN, bonds, currency link investment, FX, CLN/Rainbow and ST structured products. * RR denotes monthly runrate CHINA FEES ($’M) CBG China : Non Interest Ine by Product 19 7 8 2 . 4 8 5 4 . 71 , 0 4 0 . 35 4 6 . 27 0 3 . 86 1 0 . 2 5 0 9 . 03 4 3 . 67 5 8 . 41 , 5 0 4 . 17 3 9 . 1 7 7 1 . 92 , 4 5 2 . 85 , 5 9 6 . 28 7 1 . 4J u l 0 7 A u g 0 7 S e p 0 7 O c t 0 7 N o v 0 7 D e c 0 7 J a n 0 8 Fe b 0 8 M a r 0 8 A p r 0 8 M a y 0 8 J u n 0 8 2 0 0 5 A R R 2 0 0 6 A R R 2 0 0 7 A R R0 . 60 . 80 . 60 . 70 . 10 . 40 . 50 . 30 . 50 . 20 . 51 . 00 . 40 . 40 . 4J u l 0 7 A u g 0 7 S e p 0 7 O c t 0 7 N o v 0 7 D e c 0 7 J a n 0 8 Fe b 0 8 M a r 0 8 A p r 0 8 M a y 0 8 J u n 0 8 2 0 0 5 A R R 2 0 0 6 A R R 2 0 0 7 A R RIne / Staff Costs Cost / Ine CBG China : Productivity Ratios * RR denotes monthly runrate TOTAL COST /INCOME a