We thank you for your patience and co-operation in enabling us to successfully convene the adjourned 21Due to the high volume of questions received resulting in overlaps in many of the questions asked, we will not be providing responses to every question received. Let’s see how sustainable dividends from DBS, OCBC, and UOB are by examining their dividend payout ratios: Are there still share buybacks going on?We conduct buybacks primarily to support the vesting of awards for our employee share plans over a 3-4 year period. The additional non-recoverable GST cost is not material to the bank.For 1Q20, the cost was around SGD 2 million and for the full year, we estimate the impact to be around SGD 5 million.To strengthen the balance sheet, is acquisition of another bank viable?We are open but prefer bolt-on acquisitions. We do this through our three sustainability pillars: responsible banking, responsible business practices and creating social impact.If the situation worsens, will the higher management take the lead to cut their own salaries and/or bonuses, before the last resort to retrench staff or ask staff to take no pay leave? We also have the flexibility to support other causes such as education, elderly and the environment through our employee volunteerism programmes.We recently announced the establishment of a SGD 10.5 million Stronger Together Fund to help communities hard-hit by Covid-19 across the region. We will also fund the procurement of diagnostic test kits, personal protective equipment and other medical supplies to help in the fight against Covid-19.How long will it take for DBS’ share price to recover to $25?The market will find its own level. But I love investing in monopolies. It would also mean that it has the possibility of paying out higher dividends as its business grows over time.

In addition, it is likely that the new competitors will be free from the burden of legacy, and have access to large resources. Retail customers are non-AI and as per MAS’ guidance, can only access non-AI offerings. Description Announced Date Ex Date Payment Date Amount (cents) 1 2020: 2Q interim dividend: 6-Aug-20: 14-Aug-20: 5-Oct-20: 18 one-tier: 1Q interim dividend: 30-Apr-20

With the change in law, we are now able to conduct our Adjourned AGM by electronic means.This is due to the current heightened safe distancing measures imposed by the Singapore Government during this Covid-19 circuit breaker period. ... Investors.

DBS has increased its dividends the most over the last five years. The depreciation charge of $609 million in the cash flow statement is an aggregate of the depreciation charge of $376 million for owned properties and other fixed assets (See note 26.1 on page 148 of our 2019 Annual Report) and the depreciation charge of $233 million for leased properties and other fixed assets (ROU assets) (See note 26.2 on page 149 of our 2019 Annual Report).South and Southeast Asia has slipped back to a loss of 22m last FY. The numbers must also work.The FY2019 Final Dividend of 33 cents per share will be paid on 26 May 2020.Will you be making quarterly or half-yearly dividend pay-out, given the change in quarterly reporting requirements?We will maintain the payment of quarterly dividends.Our policy had always been to pay sustainable dividends that rise progressively with earnings over the long term.Will the Board be taking any remuneration cuts for FY2020?At the upcoming AGM, we are seeking shareholders’ approval for directors’ fees in respect of services provided during financial year 2019.The directors’ fees for financial year 2020 will be reviewed by the Board at the end of 2020/early 2021.Could you outline your plans for board renewal going forward?We continue to be on the lookout for potential candidates with the appropriate skillsets and expertise who can supplement the collective skillsets of the Board, or replace skillsets of long-serving directors. In 2019, we announced several senior-level organisational changes. DBS Group Holdings Ltd (D05) latest dividend: ExDate = 14 Aug 2020 - 0.18 DBS Group Holdings Ltd (D05) latest dividend summary: 2020 - SGD 0.66 (3.30%) Does DBS have a fixed dividend policy?

There are a few factors to consider:DBS has been preparing for this new form of competition for the past six years by seeking to disrupt ourselves before someone else can! Shareholders were previously invited to submit questions related to the resolutions to be tabled for approval at the Adjourned AGM to the Chairman of the Meeting, in advance of the Adjourned AGM via the pre-registration website or by post, by 2.30 pm on 27 April 2020.You will not be able to ask questions during the live webcast or through the audio-only stream. Will you be making quarterly or half-yearly dividend pay-out, given the change in quarterly reporting requirements?



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