Dbs Group Holdings Ltd · SGX:D05
Dbs — Shareholder Meeting (March 2026)
20 slides from Dbs's shareholder meeting presentation, Mar 31, 2026
Slide 1: Annual General Meeting 31 March 2026
ANNUAL GENERAL MEETING 31 MARCH 2026
Slide 2: Agenda
Agenda 1. Reflections on 2025 2. Looking ahead 2
Slide 3: Agenda: Reflections on 2025
Agenda 1. Reflections on 2025 2. Looking ahead 3
Slide 4: Record income and pre-tax profit despite a challenging environment
Record income and pre-tax profit despite a challenging environment Total income Expenses / Pre-tax profit Net profit (S$b) Allowances +3% +1% -3% 0.8 (+27%) 0.6 22.9 13.0 13.1 11.4 11.0 22.3 9.2 8.9 (+4%) FY24 FY25 FY24 FY25 FY24 FY25 FY24 FY25 Record 4
Slide 5: Total income up 3% led by record net interest income and customer-driven non-interest income
Total income up 3% led by record net interest income and customer-driven non-interest income Total income Net interest income Customer-driven (S$b) non-interest income +3% +1% +16% 22.9 14.4 14.5 7.0 22.3 6.1 FY24 FY25 FY24 FY25 FY24 FY25 Record 5
Slide 6: Record net interest income: Proactive hedging, record deposit growth and strong markets trading
Record net interest income: Proactive hedging, record deposit growth and strong markets trading NII offset rate headwinds (S$b) +1% >$1.5b 14.4 14.5 FY24 Rates Proactive Loan Deposit Markets FY25 impact hedging growth growth trading Record 6
Slide 7: Record customer driven non-interest income led by wealth management
Record customer driven non-interest income led by wealth management (S$b) +16% DBS Private Bank Awards 2026 7.0 6.1 3.8 + 8% Others 3.5 World’s Best Private Bank World’s Safest Private Bank World’s Best for Digital Assets Wealth segment 3.3 + 27% non-interest income 2.6 AUM: $488b (+19% constant FX)
Slide 8: We were awarded Euromoney's top honour as the 'World's Best Private Bank'
We were awarded Euromoney's top honour as the 'World's Best Private Bank' Photo Credits: Euromoney 8
Slide 9: Consistent delivery of capital returns
Consistent delivery of capital returns • Proposed final dividend of 66 cents, a 6 cents increase • Capital Return dividend of 15 cents per quarter introduced in 2025, to be maintained in 2026 and 2027 YoY (%) +27% +38% 246 (+11%) 60 (+27%) (S¢ per share) 222 Ordinary 66 15 175 60 Capital Return 4Q 4
Slide 10: Among the world's leading banks
Among the world’s leading banks Market Cap - #19 globally $162b Return on equity (ROE) - #16 globally 16.2% Source: Bloomberg (Market Cap as at 30 March 2026; ROE based on latest available financial full-year or period) 10 Note: Global peer universe comprises the 100 largest banks by assets. Unliste
Slide 11: Among the world's leading banks
Among the world’s leading banks Annualised total shareholder return (TSR) from 2015 to 2025 - #2 globally 20% Source: Bloomberg (TSR from end-2015 to end-2025 in SGD terms) Note: Global peer universe comprises the 100 largest banks by assets. Unlisted banks are omitted from the chart. 11
Slide 12: Recognised globally and regionally in 2025
Recognised globally and regionally in 2025 World’s Best Bank Global Bank of World’s Best AI Bank Safest Bank in Asia Ranked #1 in Asia's Euromoney the Year Global Finance Global Finance Best Companies The Banker TIME Customers Employees Society World’s Best Bank for Customer Experience World’s Best
Slide 13: Agenda: Looking ahead
Agenda 1. Reflections on 2025 2. Looking ahead 13
Slide 14: Leveraging our core strengths to continue to outperform
Leveraging our core strengths to continue to outperform Key Trends DBS’ Response Growing geopolitical uncertainty & volatility Dependable Bank Structural growth in GROW Diversifier Bank financial markets & wealth Disruptor Bank Rapid advancements in AI & Technology TRANSFORM Digital Bank 14
Slide 15: Dependable: Staying resilient in a volatile world
Dependable: Staying resilient in a volatile world Trusted By ▪ Financial strength Shareholders ▪ Nimble balance sheet management ▪ High ROE businesses ▪ Technology and operational resilience Customers ▪ Customer service excellence ▪ Safeguard against financial crime risks ▪ Future-ready employees Em
Slide 16: Diversifier: Seizing opportunities in a new world order
Diversifier: Seizing opportunities in a new world order Financial Corporates Wealth Consumers Institutions Transform supply Support growth Support increasing Diversify income chains, diversify amid evolving demand for streams via digital trade corridors, capital flows and the geographical and wealth
Slide 17: Disruptor: Capitalising on disruptive trends (Digital Assets)
Disruptor: Capitalising on disruptive trends (Digital Assets) New asset class Future of Money & Target client segments & Distribution Payments Digital Tokenised Trading & Banking the Exchange & Money & Wealth Structuring Ecosystem Listing Payments Custody, Depository & Wallets Institutional-grade cu
Slide 18: Digital: Shaping the future of banking
Digital: Shaping the future of banking AI (Machine Learning) Generative AI Agentic AI Rules-based; makes Creates new content, thinks Makes plans, takes decisions, predictions but cannot of tasks to do but cannot and executes tasks create execute DBS (2025 + ) DBS (2023 – 2025 +) DBS (2014 + ) • Pilo
Slide 19: Resilient, Growth-oriented and Future-Ready Market Leader
Resilient, Growth-oriented and Future-Ready Market Leader Dependable Bank Diversifier Bank Disruptor Bank Digital Bank Underpinned by … Trust Data Culture 19
Slide 20: Thank You
Thank You World’s Best Bank Euromoney Global Bank of the Year The Banker World’s Best AI Bank Global Finance World’s Best Bank for Customer Experience Euromoney World’s Best Bank for Corporate Responsibility Euromoney This presentation includes forward-looking statements, including statements made o
DBS Group Holdings — Shareholder Meeting (March 2026) on 6ix