1Q13 presentation slides strategy

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Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or

2 May 2013

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1,066 1,067 1,079 1,106 1,122 1,199 1,214 1,290 1,336 1,324 1,332 1,293 1,327

647 748 730 623 787 639

754 626 820 621 672 ₆₆₆ 990

1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13



Solid start to 2013; strong pick up in business momentum



Record fee income, non-interest income this quarter



Record

1Q13 net profit at

$950m

(a)



1Q13 ROE at

12.0%

vs. 11.2% in FY 2012

1Q13 earnings at new quarterly high

Income (S$m)

2,156

1,909

1,838 1,968

1,916

1,729

1,809

1,815

1,713

1,945

2,004

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1,026

1,336

1,198

1,449

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

1Q13 income at record

Income (S$m)

Singapore

RECORD HIGH

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367

385

395

474

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

Income (S$m)

RECORD HIGH

Hong Kong

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1Q12

2Q12

3Q12

4Q12

1Q13

Indonesia

Taiwan

India

China

Other geographies

Income (S$m)

Combined: +15% qoq

(6)

253

326

282

337

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

Income (S$m)

SME

RECORD HIGH

+19% qoq

(7)

122

203

187

230

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

Income (S$m)

Wealth Management

RECORD HIGH

+23% qoq

91

107

116

122

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

+5% qoq

Total earning assets (S$b)

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125

256

150

299

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

Customer Income (S$m)

Treasury Customer Flows

RECORD HIGH

+100% qoq

(9)

1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13

Cash

Trade

(a) Includes bank exposures and loans of financial institutions

165

Income (S$m)

345

52

58

95

1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13

Loans

Deposits

Deposit and loan growth (S$b)

GTS

321

343

Regained momentum

87

47

52

14

Combined: +7% qoq

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Capital Markets

YTD 2013 as at 30 April 2013

Singapore SGD Bonds

YTD 2013 Ranking SGD m (%)

1 DBS (17 deals) 1,448 (20.2)

2 Standard Chartered (17 deals) 1,429 (19.9)

3 HSBC (12 deals) 807 (11.3)

4 OCBC (7 deals) 659 (9.2)

5 UOB (7 deals) 581 (8.1)

2012 Ranking SGD bn (%)

1 DBS (64 deals) 10.7 (34.2)

2011 Ranking SGD bn (%)

1 DBS (48 deals) 6.5 (30.7)

Asia ex Japan All G3 Currency Bonds

YTD 2013 Ranking USD m (%)

1 HSBC (77 deals) 8,087 (12.4) 2 Standard Chartered (48 deals) 6,422 (9.8) 3 Deutsche Bank (57 deals) 6,216 (9.5) 4 Goldman Sachs (19 deals) 5,852 (8.9)

12 DBS (13 deals) 1,553 (2.4)

2012 Ranking USD bn (%)

15 DBS (16 deals) 2.2 (1.7)

2011 Ranking USD bn (%)

23 DBS (2 deals) 0.3 (0.5)

Hong Kong Dim Sum Bonds

YTD 2013 Ranking CNY bn (%)

1 HSBC (68 deals) 23.4 (19.7)

2 _{Agricultural Bank of China (16 deals) 16.7 (14.1)} 3 _{Standard Chartered Bank (37 deals)} _{13.1 (11.0)}

4 BNP (35 deals) 10.4 (8.7)

15 DBS (4 deals) 1.8 (1.5)

2012 Ranking CNY bn (%)

20 DBS (6 deals) 1.4 (0.8)

2011 Ranking CNY bn (%)

14 DBS (13 deals) 2.9 (1.9)

Extending fixed income origination capabilities into the region

A leader in Real Estate Investment Trust, Business Trust



#1 in REITs/BTs in Asia ex-Japan and in Singapore

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Cost Efficiency

Loans

Net Interest Margin

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In Summary

Executing on strategy, earnings at a new record high

Previous years’ investments in businesses, technology and

people bearing fruit

Franchise growth broad based, loan pipeline robust

Asset quality healthy, capital and liquidity positions strong

A solid start to 2013; ready and well placed to tackle the

uncertainties ahead