2015 4 2 1 4 6 9 571 105(1)

22 2015 4 2 2015 1 232014 12 31 1 112 31 If Chinese is not your preferred language, you may request from the Bank an English version of this Financial Disclosure Document.

2014 12 31 1 9911

2014 1 4 5 6 7 8 9 10 11 59 74

2014 p1 23 5 0.143 10 0.071 5 12 33 33 27 724,0003,363,000 98 1

p2 2014 5 DBS Group Holdings LtdDBSH DBSH DBSH DBSH DBSHCMDC DBSH 20% 33% 33%34% 1 31,845 44,297 2 326,124 203,709 3 90,455 19,222 2

2014 p3 3

p4 2014 5 58 11 80 4

2014 p5 6,828 6,310 (2,203) (1,884) 4 4,625 4,426 5 1,733 1,610 6 1,389 1,694 7 180 79 8 118 387 8,045 8,196 9 (4,043) (3,766) 4,002 4,430 10 (350) (302) 3,652 4,128 12 (595) (604) 13 3,057 3,524 11 58 5

p6 2014 3,057 3,524 159 (36) 1 1 (152) (50) (1) 13 7 (72) 3,064 3,452 11 58 6

2014 p7 16 1,969 995 17 22,913 16,106 18 79,478 62,341 5,094 9,084 19 11,891 12,732 20 184,569 200,254 22 4,645 4,157 24 364 27 2,684 2,626 26 197 313,440 308,659 4,277 4,751 28 252,259 238,391 5,216 9,091 29 4,961 7,564 30 9,707 13,408 32 4,189 4,187 280,609 277,392 33 7,595 7,000 33 25,236 24,267 32,831 31,267 313,440 308,659 11 58 7

p8 2014 16 1,969 995 17 22,913 16,106 18 79,478 62,338 5,094 9,084 19 11,891 12,732 20 184,569 200,254 22 4,641 4,157 24 1 23 615 48 27 2,684 2,626 313,854 308,341 4,277 4,751 28 252,259 238,391 5,216 9,091 29 4,961 7,564 30 9,704 13,406 23 874 83 32 4,189 4,187 281,480 277,473 33 7,595 7,000 33 24,779 23,868 32,374 30,868 313,854 308,341 11 58 8

2014 p9 7,000 595 2,635 18,785 29,015 (72) 3,524 3,452 (1,200) (1,200) 7,000 595 2,563 21,109 31,267 7,000 595 2,563 21,109 31,267 595 (595) 7 3,057 3,064 (1,500) (1,500) 7,595 2,570 22,666 32,831 11 58 9

p10 2014 3,652 4,128 (275) (9) (34) 350 302 2 5 201 220 (17) (547) (357) (5) (179) 9 4 157 163 116 118 (20) (34) 3,889 4,061 (474) (4,605) 9,738 24,287 (6,625) 938 (5,216) 18,121 (5,273) 4,217 18,953 (24,548) 829 (3,287) 3,509 (3,833) 19,330 15,351 (744) (588) (7) (6) 18,579 14,757 (244) (194) 320 461 217 126 (1,500) (1,200) (166) (187) (116) (118) 35(a) 2,213 2,230 35(a) (4,820) (1,784) (4,389) (1,059) 2 3 14,409 13,827 41,157 27,330 35(b) 55,566 41,157 11 58 10

2014 p11 1 99 11 DBS Group Holdings LtdDBSH DBSH 018982 2 (a) 622 9 62211 76 87 32 3 (b) (c) 32 32 32 21 21 9 939 11

p12 2014 (d) ( ) 2(j) (e) (i) (ii) (iii) (f) (i) 4 (ii) 12

2014 p13 (iii) (iv) (v) 2(i) (g) 2(p) 13

p14 2014 2(p) 15 39 34 39 (h) (i) 14

p15 2014 (k) (i) 16 (ii) (j) () 15

p16 2014 27 (l) 2(g) 15 (m) 37 37 2(g) 2(f) (n) (o) 34 16

p17 2014 36 (q) (r) DBSH DBSH DBSHDBSH 43 DBSH (s) (p) 39 39 17

2014 p18 (a) (b) 34 (c) 26 (t) (i) (ii) 3 18

2014 p19 (d) 31 (e) 37 4 295 357 182 121 6,351 5,832 (a) 6,828 6,310 32 116 118 2,087 1,766 (b) 2,203 1,884 4,625 4,426 (a) 67.29 62.57 (b) 21.89 18.6 5 2,047 1,868 (314) (258) 1,733 1,610 580 567 (a) 482 464 274 246 (b) 284 224 39 40 8 10 66 59 1,733 1,610 (a) (b) 822 704 17 23 236 199 6 1,368 1,483 58 343 1,426 1,826 (37) (132) 1,389 1,694 19

p20 2014 7 10 127 14 2 51 65 180 79 5 2 18 17 8 23 19 36 32 27(a) 9 34 275 (a) 20 34 53 12 (a) 9 118 387 2,209 1,969 127 112 46 34 224 214 253 253 27(a) 196 220 10 10 375 356 603 598 4,043 3,766 21 134 112 21 216 190 350 302 244 247 (104) (120) (6) (15) 134 112 343 272 (96) (60) (31) (22) 11 216 190 (a) 3 3 (b) 21 18 1 1 25 22 (a) (b) DBSH 20

2014 p21 12 (a) 591 632 (14) (27) 16 6 593 611 31(b) 2 (7) 595 604 13 29.99 35.37 14 0.143 0.171 1,000 1,200 0.071 500 1,500 1,200 16.5% 16.5% (b) 14 7 (8) (6) (5) 1 (8) 2 (7) (c) 16.5%16.5% 3,652 4,128 16.5% 16.5% 603 681 (3) (2) (10) (53) 17 19 (14) (27) 2 (14) 595 604 21

p22 2014 15 1,969 1,969 4,196 18,717 22,913 79,478 79,478 4,906 188 5,094 2,338 7,673 1,880 11,891 184,569 184,569 4,600 4,600 11,440 26,390 272,496 188 310,514 2,926 (a) 313,440 4,277 4,277 4,079 248,180 252,259 5,136 80 5,216 3,738 5,955 9,693 4,961 4,961 4,189 4,189 8,874 4,079 267,562 80 280,595 14 (b) 280,609 (a) (b) 1,969 1,969 4,196 18,717 22,913 79,478 79,478 4,906 188 5,094 2,338 7,673 1,880 11,891 184,569 184,569 4,608 4,608 11,440 26,390 272,504 188 310,522 3,332 (a) 313,854 4,277 4,277 4,079 248,180 252,259 5,136 80 5,216 3,738 6,826 10,564 4,961 4,961 4,189 4,189 8,874 4,079 268,433 80 281,466 14 (b) 281,480 (a) (b) 22

2014 p23 995 995 3,448 12,658 16,106 62,341 62,341 8,889 195 9,084 854 9,707 2,171 12,732 200,254 200,254 4,118 4,118 13,191 22,365 269,879 195 305,630 3,029 (a) 308,659 4,751 4,751 8,122 230,269 238,391 8,944 147 9,091 3,122 10,118 13,240 7,564 7,564 4,187 4,187 12,066 8,122 256,889 147 277,224 168 (b) 277,392 (a) (b) 995 995 3,448 12,658 16,106 62,338 62,338 8,889 195 9,084 854 9,707 2,171 12,732 200,254 200,254 4,127 4,127 13,191 22,365 269,885 195 305,636 2,705 (a) 308,341 4,751 4,751 8,122 230,269 238,391 8,944 147 9,091 3,122 10,199 13,321 7,564 7,564 4,187 4,187 12,066 8,122 256,970 147 277,305 168 (b) 277,473 (a) (b) 23

p24 2014 16 483 503 1,486 492 17 1,969 995 2,591 11,621 14,212 1,605 7,096 8,701 4,196 18,717 22,913 1,253 137 1,390 3 1,917 1,920 2,940 16,663 19,603 4,196 18,717 22,913 4,196 18,717 22,913 AAA 3,150 3,150 AA- AA+ 4,196 15,286 19,482 281 281 4,196 18,717 22,913 1,652 9,264 10,916 1,796 3,394 5,190 3,448 12,658 16,106 1,661 187 1,848 40 1,984 2,024 1,747 10,487 12,234 3,448 12,658 16,106 3,448 12,658 16,106 AAA 1,984 1,984 AA- AA+ 3,448 10,305 13,753 369 369 3,448 12,658 16,106 18 4,234 4,836 4,234 4,836 27,696 22,455 27,696 22,452 46,300 35,050 46,300 35,050 1,248 1,248 75,244 57,505 75,244 57,502 79,478 62,341 79,478 62,338 24

2014 p25 19 688 688 1,650 7,643 1,880 11,173 2,338 7,643 1,880 11,861 30 30 2,338 7,673 1,880 11,891 724 1,086 1,810 609 3,539 4,148 1,880 1,880 1,005 3,002 4,007 16 16 2,338 7,643 1,880 11,861 30 30 30 30 2,338 7,673 1,880 11,891 429 1,762 2,191 1,649 4,883 6,532 689 2,345 118 3,152 16 16 2,338 7,673 1,880 11,891 AAA 4,581 4,581 AA- AA+ 443 544 987 A- A+ 1,353 2,082 3,435 BBB BBB+ 205 233 118 556 337 203 1,762 2,302 2,338 7,643 1,880 11,861 38 1,804 1,842 816 7,833 2,171 10,820 854 9,637 2,171 12,662 70 70 854 9,707 2,171 12,732 238 980 1,218 331 4,158 4,489 1,968 1,968 285 4,484 4,769 15 203 218 854 9,637 2,171 12,662 40 40 30 30 70 70 854 9,707 2,171 12,732 650 1,847 2,497 270 7,017 7,287 584 2,025 324 2,933 15 15 854 9,707 2,171 12,732 AAA 3,465 3,465 AA- AA+ 193 2,190 2,383 A- A+ 186 3,721 3,907 BBB BBB+ 119 60 324 503 356 201 1,847 2,404 854 9,637 2,171 12,662 25

p26 2014 18.87 22.18 1,000 2,200 34,000 102,000 83,000 700 20 185,968 201,760 21 (569) (793) 21 (830) (713) 184,569 200,254 27,078 48,701 157,491 151,553 184,569 200,254 927 1,077 2,140 2,411 6,797 6,839 9,864 10,327 (16) (24) 9,848 10,303 919 1,064 2,132 2,400 6,797 6,839 9,848 10,303 7,500 6,200 26

2014 p27 21 793 713 1,506 (353) (231) (584) 6 31 37 10 134 216 350 (11) 51 40 50 50 569 830 1,399 899 602 1,501 (227) (167) (394) 15 22 37 10 112 190 302 (6) 66 60 793 713 1,506 793 713 1,506 (353) (220) (573) 6 31 37 134 249 383 (11) 57 46 569 830 1,399 899 602 1,501 (227) (167) (394) 15 22 37 112 190 302 (6) 66 60 793 713 1,506 22 543 457 543 457 1,871 2,024 1,871 2,024 31(a) 4 31(b) 41 39 41 39 2,186 1,637 2,186 1,637 23 4,645 4,157 4,641 4,157 607 39 8 9 615 48 874 83 10,000 50,000 DBS COMPASS Limited 500,000 1 A 500,000 1 B 27

p28 2014 DBS COMPASS Limited ( Hutchison DBS Card Limited) Whampoa Limited DBS COMPASS Limited 50% 24 5.46 3 1.68 3,500 26 1,700 DBS COMPASS Limited DBS COMPASS Limited DBS Trustee H.K. (Jersey) Limited DHJ Management Limited DNZ Limited JT Administration Limited Market Success Limited 24 1 364 2,887 2,887 DBS COMPASS Limited DBS COMPASS Limited 50% 23 10.07Societe Generale 31.2341.30 26 168 (a) 29 197 (a) DBS COMPASS Limited 3.5 3 4.5%9.0% 25 Societe Generale 28

2014 p29 27 (a) 23 2,571 1,258 3,852 510 4,362 9 235 244 244 (10) (282) (292) (292) 75 75 75 9 9 23 2,570 1,286 3,879 519 4,398 17 823 896 1,736 1,736 56 140 196 196 (9) (281) (290) (290) 72 72 72 17 870 827 1,714 1,714 6 1,700 459 2,165 519 2,684 23 2,570 1,286 3,879 3,879 519 519 23 2,570 1,286 3,879 519 4,398 23 2,571 1,258 3,852 510 4,362 9 235 244 244 (10) (255) (265) (265) 2 2 2 9 9 23 2,570 1,240 3,833 519 4,352 17 823 896 1,736 1,736 56 140 196 196 (9) (255) (264) (264) 17 870 781 1,668 1,668 6 1,700 459 2,165 519 2,684 23 2,570 1,240 3,833 3,833 519 519 23 2,570 1,240 3,833 519 4,352 29

p30 2014 23 2,636 1,148 3,807 476 4,283 10 184 194 194 (75) (74) (149) (149) 34 34 23 2,571 1,258 3,852 510 4,362 17 797 801 1,615 1,615 56 164 220 220 (30) (69) (99) (99) 17 823 896 1,736 1,736 6 1,748 362 2,116 510 2,626 23 2,571 1,258 3,852 3,852 510 510 23 2,571 1,258 3,852 510 4,362 23 2,636 1,148 3,807 476 4,283 10 184 194 194 (75) (74) (149) (149) 34 34 23 2,571 1,258 3,852 510 4,362 17 797 801 1,615 1,615 56 164 220 220 (30) (69) (99) (99) 17 823 896 1,736 1,736 6 1,748 362 2,116 510 2,626 23 2,571 1,258 3,852 3,852 510 510 23 2,571 1,258 3,852 510 4,362 30

2014 p31 6 6 188 442 187 434 1,510 77 1,559 76 2 2 (b) (i) 1,700 519 1,748 510 13 1 1 2 2 1 3 21.02 3 (ii) 2 (iii) 3 3 410 381 7 29 102 519 410 1 2 3 519 519 100 410 510 31

p32 2014 (c) 1,400 1,100 13 14 8 21 28 21 35 248,180 230,269 (a) 4,079 8,122 252,259 238,391 27,151 23,097 86,942 69,739 138,166 145,555 252,259 238,391 (a) 6,000 1.59 29 4,961 7,564 30 394 388 394 388 1,871 2,024 1,871 2,024 24 2,887 2,887 31(a) 14 168 14 168 3,738 3,122 3,738 3,122 3,690 4,819 3,687 4,817 31 (a) 9,707 13,408 9,704 13,406 4 5 162 5 162 9 6 9 6 14 168 14 168 32

2014 p33 (b) 32 39 11 39 11 5 12(a) (2) 7 3 7 33(b)(ii) (1) 13 (1) 13 8 8 41 39 41 39 106 93 106 93 13 8 13 8 7 8 7 8 126 109 126 109 73 59 73 59 12 11 12 11 85 70 85 70 5.40 3 2.5% 5.40 DBS Group Holdings Ltd 33 (a) (i) 1 (ii) 12,000 12,000 7,000 7,000 7,000 7,000 (iii) 595 7,000 7,595 7,000 7,000 (i) 622 (ii) 622 135 (iii) 622 11 37 126 109 126 109 (85) (70) (85) (70) 41 39 41 39 33

p34 2014 (b) 595 595 595 595 33(a)(iii) (595) (595) 595 595 (i) 12 12 (ii) 54 126 54 126 159 (36) 159 (36) 1 1 1 1 (152) (50) (152) (50) (1) 13 (1) 13 61 54 61 54 (iii) 98 98 98 98 (iv) 2,399 2,399 2,285 2,285 2,570 2,563 2,444 2,437 21,109 18,785 20,836 18,499 3,057 3,524 2,999 3,537 14 (1,500) (1,200) (1,500) (1,200) 22,666 21,109 22,335 20,836 25,236 24,267 24,779 23,868 13.27 13.04 34 (a) Black-Scholes 34

p35 2014 (b) 3 1 1 2 3 35

p36 2014 3 3 3 1 2 3 4,196 4,196 1,636 702 2,338 18,436 281 18,717 7,627 7,627 5,094 5,094 3,738 3,738 4,079 4,079 5,216 5,216 1 2 3 3,448 3,448 842 12 854 12,289 369 12,658 9,252 370 9,622 40 40 9,084 9,084 3,122 3,122 8,122 8,122 9,091 9,091 1 2 3 (c) (i) 36

2014 p37 (ii) (iii) 19 (iv) (v) (vi) 35 (a) 7,291 4,186 2,230 (1,784) (179) 4 2 1 7,564 4,187 2,213 (4,820) (5) 9 2 4,961 4,189 (b) 1,969 995 4,234 4,836 46,358 33,835 3,005 1,491 55,566 41,157 36 (a) 37

p38 2014 208,173 3,998 1,703 1,620 141,063 345 407 637 171,622 6,329 2,215 312 171,150 379 312 2,222 692,008 11,051 4,637 4,791 28,603 220 320 329 6 6 28,615 220 320 329 1,180 37 26 26 721,803 11,308 4,983 5,146 5,648 53 188 80 203,371 2,863 4,278 3,896 139,087 303 817 1,300 161,715 7,765 3,447 1 160,943 1 3,477 665,116 10,931 8,543 8,674 55 1 1 28,552 325 395 418 17 1 17 1 28,641 326 396 420 583 6 4 4 694,340 11,263 8,943 9,098 6,648 55 195 147 7,7001,0005,400 1.54 (b) 56.48 66.48 38

2014 p39 6,300 9,300 6,200 9,300 37 800 1,046 1,346 1,459 8,455 8,616 1,155 2,082 783 498 144,656 135,364 157,195 149,065 15,287 15,430 38 (a) 68 84 18 33 86 117 (b) 215 10 211 12 463 418 3 7 43 39 685 10 672 15 30 3,738 3,122 2,591 1,983 1,136 1,128 3,727 3,111 37.21 23.91 39

p40 2014 51.5 40 (ISDA) 41 41 (a) (A) (B) (C) (b) (D)= (A)-(B)-(C) 5,094 2,036 250 2,808 5,216 2,032 3,184 3,738 3,727 11 8,954 5,759 3,195 (a) (A) (B) (C) (b) (D)= (A)-(B)-(C) 9,084 7,616 36 1,432 9,091 7,616 1,475 3,122 3,111 11 12,213 10,727 1,486 (a) (b) 40

2014 p41 41 (a) (PCE) DBSH DBSH DBSH (ISDA) 41

2014 p42 37 DBSH (T&C) 2(i) 42

2014 p43 182,218 198,265 2,508 2,277 1,242 1,218 185,968 201,760 (i) 9,728 2,026 11,754 25,021 1,266 26,287 29,386 5 29,391 62,189 6,899 69,088 10,959 582 11,541 4,960 4,960 21,485 35 21,520 7,068 609 7,677 170,796 11,422 182,218 9,563 1,428 10,991 26,111 829 26,940 32,779 7 32,786 82,609 4,554 87,163 11,426 608 12,034 1,588 5 1,593 16,818 30 16,848 9,630 280 9,910 (ii) 190,524 7,741 198,265 52 2 1 55 280 10 290 530 37 567 691 12 2 705 155 10 8 107 280 283 16 1 300 600 9 2 11 2,000 89 12 407 2,508 43

p44 2014 52 3 55 263 14 277 859 21 19 899 195 10 2 207 117 14 10 66 207 286 15 296 597 35 35 1,807 77 31 362 2,277 1,242 0.67 1,218 0.60 (569) (793) 673 425 671 425 (iii) 273 335 101 45 46 40 757 619 7 8 146 27 4 31 21 1,242 1,218 44

2014 p45 242 (109) 1 18 152 9 (1) 9 17 3 (3) 363 (140) 1 131 (5) 350 1 1 5 7 103 (103) 38 7 (6) 39 37 (33) 4 793 (353) 6 134 (11) 569 348 (102) 6 (10) 242 39 (30) 9 4 (4) 365 (119) 2 115 363 4 (3) 1 102 1 103 31 (1) 8 38 10 (2) 3 32 (6) 37 899 (227) 15 112 (6) 793 45

p46 2014 49 17 66 92 5 97 2 (1) 1 209 26 235 113 20 133 5 (3) 2 206 60 266 37 (7) 30 713 117 830 49 49 85 7 92 5 (3) 2 219 (10) 209 37 76 113 4 1 5 184 22 206 19 18 37 602 111 713 121,754 21,096 142,850 7,296 27,321 34,617 6,739 1,762 8,501 135,789 50,179 185,968 118,996 19,861 138,857 7,271 47,870 55,141 5,584 2,178 7,762 131,851 69,909 201,760 10% 1,072 451 665 108 89 36 1,036 609 578 130 142 32 (b) (i) (ii)(iii) (i) (ii) (iii) (iv) 46

2014 p47 (Value-at-Risk) 95% 95% 99% (i) (ii) RMG RMG 36.3 36.7 47.5 27.5 33.5 20.3 33.5 13.0 (i)(ii) 47

p48 2014 6.9 7.7 15.7 3.2 4.2 3.5 7.1 1.8 430 123% 100 200 5.57 11.03 4.22 8.38 19 2(g) 2(i) (c) 48

2014 p49 RMG 49

p50 2014 1,969 1,969 985 1,375 1,475 331 30 4,196 1,781 5,895 4,599 6,207 235 18,717 4,234 27,696 36,456 9,844 1,248 79,478 560 71 208 1,499 2,338 175 247 398 6,388 419 16 7,643 118 1,762 1,880 30 30 9,234 34,931 33,692 35,455 30,551 39,629 1,077 184,569 39 5,745 1,961 60 145 6 4,664 12,620 15,476 71,873 79,697 52,157 48,131 40,319 5,787 313,440 3,781 479 8 9 4,277 114,187 60,760 49,855 27,332 125 252,259 63 890 2,796 1,212 4,961 4,189 4,189 322 7,348 3,809 1,600 123 15 1,706 14,923 118,290 68,650 53,672 29,831 3,044 5,416 1,706 280,609 535 24 123 6 688 50

2014 p51 995 995 102 1,228 667 1,371 80 3,448 2,519 7,055 1,461 723 900 12,658 4,836 22,455 18,334 16,716 62,341 56 17 344 425 12 854 751 735 3,970 3,935 231 15 9,637 2,171 2,171 70 70 8,368 30,044 37,415 47,921 31,299 43,940 1,267 200,254 43 9,396 2,079 99 79 7 4,528 16,231 14,242 65,323 66,863 71,178 40,003 45,170 5,880 308,659 875 3,658 71 147 4,751 92,934 62,136 54,589 28,602 130 238,391 180 3,193 2,986 1,205 7,564 4,187 4,187 920 14,902 1,741 1,280 882 41 2,733 22,499 94,729 80,876 56,401 33,222 3,998 5,433 2,733 277,392 38 38 388 1,416 1,804 388 1,454 1,842 51

p52 2014 * 3,781 488 9 4,278 114,541 113,396 28,785 346 257,068 90 991 3,065 1,142 5,288 29 95 742 4,821 5,687 322 8,809 1,807 1,037 177 12,152 118,644 122,812 31,687 5,190 6,140 284,473 119,967 158,770 66,079 344,816 119,992 158,844 65,896 344,732 10,601 10,601 73,284 73,310 146,594 73,284 83,911 157,195 * 875 3,730 148 4,753 92,934 117,138 28,916 161 239,149 212 3,320 3,324 1,186 8,042 29 90 776 5,345 6,240 920 12,062 1,600 2,024 467 17,073 94,729 133,171 34,074 6,285 6,998 275,257 127,743 131,177 42,907 301,827 127,778 131,148 42,920 301,846 11,121 11,121 71,954 65,990 137,944 71,954 77,111 149,065 * 52

2014 p53 41 (i) 7 1 1 1 3 3 12 18,275 10,173 52,036 23,862 18,275 28,448 80,484 104,346 (ii) 20,928 7,312 40,573 39,610 20,928 28,240 68,813 108,423 (i) (ii) RMG (d) 53

p54 2014 (e) (i) 42 DBS Group Holdings Ltd DBS Bank Ltd 449 400 4 (40) (125) (229) (6) (2) 9 2 (7) (8) (1,598) 1,130 30 25 6 6 (16) (57) 73 22 (ii) (a) DBS Group Holdings LtdDBSH 66,996 49,841 66,996 49,838 1,258 4,617 1,258 4,617 751 243 751 243 69,005 54,701 69,005 54,698 1,839 2,352 1,839 2,352 4,206 5,116 4,206 5,116 4,187 4,187 127 140 127 140 6,172 11,795 6,172 11,795 (iii) 408,560 378,986 22,111 20,149 515 269 431,186 399,404 (iv) 12.07 5.87 54

2014 p55 (v) 315 315 (vi) DBS Group Holdings Ltd 4,189 6 (vii) 4,195 6 6 1,070 1,070 168 95 168 95 1,244 95 1,244 95 182 139 182 139 2,810 934 2,810 934 83 70 83 70 3,075 1,143 3,075 1,143 (ii) 76 78 3 3 20 18 99 99 DBSH (c) 62211 78 32 161B 450 450 493 (b) (i) DBSH 5 55

p56 2014 43 DBSH DBSH DBSH DBSH 20% 2 4 33% 2 33% 3 34% 4 43(i) DBSH DBSH DBSH 20% 4 DBSH DBSH 43(i) 43(ii) 56

2014 p57 (i) DBSH DBSH 1,085,568 383,637 810,576 341,310 454,304 177,700 428,373 162,800 3,095 3,910 28,764 12,412 (283,399) (115,062) (153,052) (79,629) (27,273) (40,933) (29,093) (53,256) 1,232,295 409,252 1,085,568 383,637 16.66 16.65 15.19 15.07 (ii) DBSH 219,087 12.59 518,949 11.66 (160,506) 12.55 (256,463) 11.00 (2,823) 12.81 (18,934) 12.64 (20,147) 12.57 (24,465) 9.52 35,611 12.81 219,087 12.59 0.16 0.39 12.81 12.53 12.81 160,506 256,463DBSH 16.53 15.53 DBSH 168,741 151,181 17,560 12.53 50,346 (2,823) 9,325 2,587 35,611 12.81 219,087 (2,823) 160,506 20,147 35,611 57

p58 2014 44 2(b)2013 2014 2013 995 995 995 995 16,106 16,106 3,448 3,448 12,658 12,658 62,341 62,338 57,505 57,502 4,836 4,836 12,732 12,732 854 854 11,878 11,878 4,157 4,157 4,118 4,118 39 39 4,751 4,751 4,751 4,751 238,391 238,391 230,269 230,269 8,122 8,122 13,408 13,406 3,122 3,122 168 168 2,887 2,887 7,231 7,229 58

2014 p59 1 14.6% 13.9% 14.6% 13.9% 16.7% 16.1% IRB IRB 45 www.dbs.com.hk 2 59 58 DBS Trustee (Hong Kong) Limited 5 5 DBS Trustee H.K.(New Zealand) Limited 1 DBS COMPASS Limited Hutchison DBS Card Limited 804 803 59

p60 2014 3 IRB 256 330 1,429 1,380 897 692 200 217 2,665 3,126 7,617 7,660 382 356 13,446 13,761 6 8 3 2 680 624 59 63 527 395 39 26 47 31 16 7 1,377 1,156 367 343 15,190 15,260 267 272 114 102 381 374 1,069 1,015 16,640 16,649 (31) (21) 16,609 16,628 60

2014 p61 4 IRB (a) IRB IRB IRB IRBA DBSH DBSH IRB (ACRR) ACRR IRB ACRR 111119 14 5 61

p62 2014 DBSH (PD) (ACRR) 1 AAA 2 AA+, AA, AA- 3 A+, A, A- 4A/4B BBB+/BBB 5 4B BBB- 6A/6B BB+/BB 7A/7B BB- 8A B+ 8B/8C B/B- 9 CCC C 10 10 D 62

2014 p63 (b) IRB IRB 29,968 34,157 55,193 53,225 25 30 9,461 8,839 IRB 24,209 17,359 119,587 129,665 84,718 80,195 10,312 12,773 5,699 5,060 (c) 339,172 341,303 IRB 0.10% 29,422 33,077 > 0.10% 0.50% > 0.50% 531 1,067 15 13 29,968 34,157 5% 52,895 51,191 > 5% 2,246 1,983 52 51 55,193 53,225 0.3% 25 25 > 0.3% 5 25 30 0.3% 4,573 4,453 > 0.3% 4,844 4,344 44 42 9,461 8,839 (d) IRB IRB 63

p64 2014 IRB 90 (%) (%) 1-3 0.00 0.10 24,209 10 (%) (%) 1-3 0.00 0.10 17,359 16 (%) (%) 1-3 0.03-0.10 107,522 23 4A/4B 0.10-0.33 8,084 63 5 0.33-0.47 2,340 72 6A/6B 0.47-1.11 877 98 7A-9 1.11-99.99 764 134 119,587 (%) (%) 1-3 0.03-0.10 112,988 23 4A/4B 0.10-0.33 9,861 65 5 0.33-0.47 2,821 66 6A/6B 0.47-1.11 2,810 106 7A-9 1.11-99.99 1,185 134 129,665 (%) (%) 1-3 0.03-0.10 2,982 19 4A/4B 0.10-0.33 2,049 52 5 0.33-0.47 2,028 61 6A/6B 0.47-1.11 13,639 82 7A-9 1.11-99.99 62,991 111 10A-11 100 1,029 188 84,718 (%) (%) 1-3 0.03 0.10 2,353 17 4A/4B 0.10 0.33 1,542 41 5 0.33 0.47 1,256 68 6A/6B 0.47 1.11 13,564 84 7A-9 1.11 99.99 60,574 115 10A-11 100 906 102 80,195 64

2014 p65 IRB (f) (%) 2,240 68 6,483 87 1,588 122 1 265 10,312 (%) 1,385 72 8,831 90 2,534 122 23 265 12,773 (e) 34 126 562 72 432 37 53 116 911 314 2,029 36 89 537-49 349 35 59 115 971 253 1,987 2(i) 65

p66 2014 % 0.08 0.63 0.47 1.08 0.34 3.21 6.76 0.03 0.48 1.16 3.13 % 0.03 0.65 0.45 1.00 0.29 3.04 6.26 0.03 0.52 0.99 3.44 IRB 5 5 379 76 38 38 38 11,147 8,502 8,502 1,544 984 739 10,247 5,683 6,593 329 329 486 23,305 15,920 16,434 677 584 584 336 197 197 1,013 781 781 16 498 100 22 22 22 8,712 7,798 7,798 1,391 1,045 784 7,158 4,876 4,936 234 234 332 17,517 14,489 13,972 582 387 387 240 92 91 822 479 478 66

2014 p67 6 41 IRB IRB IRB 32,297 14,279 10 32,307 14,279 2,640 5 559 4,186 379 3 4 93 139 7,620 388 39,927 14,667 IRB 26,441 12,487 3,566 30,007 12,487 899 15 345 1 1,784 498 19 7 195 148 3,390 521 33,397 13,008 67

p68 2014 7 IRB (a) 4,995 8,785 10,586 8,705 15,581 17,490 6,019 8,286 9,562 9,204 15,581 17,490 (3,976) (6,605) 11,605 10,885 (457) (432) (1,382) (763) 9,766 9,690 (b) 5,150 (3,559) 1,591 (a) 435 368 10,729 10,859 11,164 11,227 (b) 121 121 (a) 211 143 125 97 336 240 226 239 1 110 336 240 (139) (148) 197 92 (a) 194 90 1 3 197 91 8 45.1% 38.8% 68

2014 p69 9 (b) (a) 7,574 345 126 8,045 3,679 216 107 4,002 3,162 216 274 3,652 185,388 120,930 7,122 313,440 7,385 400 411 8,196 3,816 263 351 4,430 3,724 266 138 4,128 200,169 100,179 8,311 308,659 90% (c) 106,959 3,868 14,228 125,055 1,784 6,717 657 9,158 1,328 48 2,027 3,403 21 2,877 2,898 110,092 10,633 19,789 140,514 113,189 4,009 13,675 130,873 1,513 1,241 439 3,193 1,892 10 2,470 4,372 25 79 1,131 1,235 116,619 5,339 17,715 139,673 69

p70 2014 10 (a) 2,228 2,226 1,521 1,520 24,828 23,846 27,198 26,135 3,815 3,518 1,539 1,244 1,144 64 9 9 19,111 15,497 16,882 13,500 11,444 8,284 10,712 7,664 10,005 9,547 9,995 9,677 161 154 21 17 317 110 241 100 7,263 5,896 8,931 7,552 390 390 506 506 26,489 26,489 29,615 29,615 8,549 7,846 13,277 6,918 9,171 3,082 129,021 102,939 124,187 100,621 50,179 14,064 69,909 12,307 6,768 2,714 7,664 2,375 185,968 119,717 201,760 115,303 (b) 267 0.14 137 0.07 289 0.16 212 0.10 696 0.37 881 0.44 1,252 0.67 1,230 0.61 534 733 986 740 594 450 658 780 70

2014 p71 (c) (b) 258 0.14 261 0.13 (d) 4,900 6,300 (e) (a) 1,566 26 1,592 (b) 878 46 924 (c) 4,165 692 4,857 (d) (a) 532 1 533 (e) (b) 466 128 594 (f) 6,135 1,875 8,010 (g) 1,276 53 1,329 15,018 2,821 17,839 311,354 4.82% 71

p72 2014 (a) 1,001 1 1,002 (b) 1,328 150 1,478 (c) 2,742 158 2,900 (d) (a) 941 941 (e) (b) 266 266 (f) 4,927 1,109 6,036 (g) 685 85 770 11,890 1,503 13,393 282,764 4.20% 72

2014 p73 11 108,171 2,426 1,848 29,193 90 116 5,167 2,266 33 1,863 151,173 (78,794) (1,912) (2,396) (27,292) (1,579) (204) (9,740) (1,098) (1,810) (1,765) (126,590) 178,331 1,360 1,463 174,790 1,591 145 5,495 73 1,928 1,066 366,242 (208,836) (1,773) (867) (175,493) (123) (103) (858) (1,220) (226) (1,117) (390,616) (10) (122) 6 (68) (14) 75 102 (2) (33) (1,138) (21) 54 1,130 (35) (46) 139 21 27 45 176 29 (59) (30) 80,767 2,634 1,394 44,838 280 153 5,281 2,143 46 1,393 138,929 (67,248) (1,515) (2,109) (22,658) (2,264) (239) (11,220) (1,221) (1,220) (1,339) (111,033) 174,230 255 1,156 135,916 2,248 110 7,673 296 1,385 5,020 328,289 (188,697) (1,419) (501) (157,197) (285) (9) (1,608) (1,219) (85) (5,076) (356,096) 48 (14) (1) 2 (23) (84) (2) (74) (900) (59) (60) 898 (19) 15 103 (1) 42 (4) 15 29 (32) (3) 73

p74 2014 1 CG-1CG- 1 CG-1 DBS Group Holdings LtdDBSH CG-1 DBSH DBSH (a) (b) 74

p75 2014 (f) (g) (h) (c) (d) DBSH (e) 75

p76 2014 2 CG-5 (a) DBS Group Holdings Ltd DBSH DBSH (b) 10 10 1 1 35 32 (i) 37 36 24 27 96 95 87 63 24 27 15 6 (ii) (iii) (i) DBSH (ii) (iii) 1,461,313 3 (i) (ii) (iii) (iv) 76

2014 p77 (IIA) A *STAR-I2R IIA KPMG KPMG (SIAS) SIAS IIA SIAS CAATs 77