Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents.

Strong earnings demonstrate resilience of our franchise

DBS Group Holdings 2Q 2013 financial results

August 1, 2013

Agenda

Franchise Development

Danamon Transaction

Interest Rate Outlook and Impact

Credit Outlook and Impact

2

1H income at high of $4.6b Highest ever net interest income on the back of higher loan volumes Record non-interest income with broad-based growth; fee income at record

Record 1H13 net profit at $1,837m (a)

1H13 ROE at 11.6% vs 11.2% in FY 2012

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 1,382

647 748 730 623 787 639 754 626 820

621 672 666 990 927

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

Record 1H2013 earnings

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

Net interest income

Non interest income

1,959

2,317

(a) Excludes one-time items

2,309

At record levels

Record high

3

253

320 337 348

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

2Q13 income at record

Income (S$m)

SME

RECORD HIGH

Large corporate bank income maintained at record levels

4

122

195 230 229

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

Strong traction

Income (S$m)

Wealth Management

91 110 122 122

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

Total earning assets (S$b)

Comprising Treasures, Treasures Private Client and Private Bank

5

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

Cash

Trade

(a) Includes bank exposures and loans of financial institutions

165

Income (S$m)

53 58 59 84

95 109

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

Loans

Deposits

Deposit and loan growth (S$b)

GTS

343

Regained momentum

52

14

(a)

351 362

6

125

244

296 282

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

Continued momentum

Customer Income (S$m)

Treasury customer flows

1H13 customer income as % of total Treasury income at 49%

7

1,026 1,156

1,449 1,369

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

Continued momentum

Income (S$m)

Singapore

8

367 379 474

524

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

Income (S$m) RECORD

HIGH

2Q13 income at record

Hong Kong

9

1Q12 2Q12 3Q12 4Q12 1Q13 2Q13

Indonesia

Taiwan

India

China

Other geographies

Income (S$m)

Regained momentum in regional markets

10

Danamon Transaction

Interest Rate Outlook and Impact

Credit Outlook and Impact

11

In summary

14 quarters of consistently strong earnings

Solid momentum, broad-based business growth

Continue to be vigilant and disciplined, some short-term headwinds as credit costs rise

Strategy on course, well positioned to ride on Asia’s growth prospects

12

Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents.

Strong earnings demonstrate resilience of our franchise

DBS Group Holdings 2Q 2013 financial results

August 1, 2013