Building The Best Bank In Asia Philippe Paillart Chief Executive Officer DBS Group Holdings March 5, 2001

Achievements in 2000 Good progress in regional integration Significant improvement in building operating platform Record number new product introductions Successful service initiatives

Recognition in 2000 Highest credit rating among banks in Asia Best Bank, Best Debt Bank, Best Equity Bank in Singapore Lead leagues tables in Singapore $ Debt Issuance Top ten in Forex, Derivatives trading in Asia Best Internet Banking In Asia Best Corporate Governance in Singapore

Beyond 2000: Implementing The Vision World-class regional bank in Asia, and The Best Bank in Asia Delivering a Great Customer Experience Attracting - and keeping - customers Building a growth company, not just a bank

Best Bank In Asia Dominant base in Singapore Focused on key growth markets in Asia Our Goal: Be one of top three banks in markets in which we choose to operate

We Are Ready When The Time Comes… We have built a team of top talent We have the energy We have the pieces in place

Driving organic growth Tactical acqusitions Strategic moves We are building a franchise Ready For Growth

A True Asian Platform Building out systems and processes in Singapore, Hong Kong & Thailand Regional integration efforts taking hold Continuing to build a sales and service culture

Building The Best Bank In Asia Means Providing A Great Customer Experience It will differentiate us It is what customers are demanding And what no other bank in the region is providing For DBS – a great opportunity

The Great Customer Experience Innovation Access Affinity Knowledge Quality

DBS: Building The Best Bank In Asia