Risk thresholds and Stress testing Credit risk management Credit risk mitigants 5.3 Internal credit risk models Credit risk in 2016 Credit risk assessed Credit risk assessed using Credit risk mitigation 7.4 Counterparty credit Credit exposures 10.2

| 77 The table below gives an overview of the locations of our risk disclosures. Risk management Risk management section Other locations in Annual Report Pillar 3 quantitative disclosures 3 Risk overview 1 Risk overview 2 Risk-taking and our business segments 78 78 Capital management and planning 103 1 Introduction 3 Capital adequacy 6 Exposures and risk- weighted assets RWA Risk governance 3 Risk governance 79 80 Corporate governance report 48 Risk Appetite

4.1 Risk thresholds and

economic capital usage

4.2 Stress testing

80 81 Remuneration report 64 Credit risk

5.1 Credit risk management

at DBS

5.2 Credit risk mitigants 5.3 Internal credit risk models

5.4 Credit risk in 2016

82 84 84 87 Note 14 Financial assets and liabilities subject to netting agreement Note 41.1 Maximum exposure to credit risk Note 41.2 Loans and advances to customers Note 41.3 Credit quality of government securities and treasury bills and bank and corporate debt securities Note 41.4 Credit risk by geography and industry 137 164 165 169 169

7.1 Credit risk assessed

using Internal Ratings- Based Approach

7.2 Credit risk assessed using

standardised approach

7.3 Credit risk mitigation 7.4 Counterparty credit

risk- related exposures 8 Equity exposures under IRBA 9 Securitisation exposures

10.1 Credit exposures 10.2 Major credit exposures by

geography and industry

10.3 Loans and advances to

customers by performing non-performing

10.4 Movements in specific and

general allowances Market risk

6.1 Market risk management at

DBS

6.2 Market risk in 2016

89 90

10.6 Interest rate risk in the

banking book

10.7 Equity exposures in the

banking book Liquidity risk

7.1 Liquidity risk management

at DBS

7.2 Liquidity risk in 2016 7.3 Liquid assets

7.4 Regulatory requirements

91 93 94 94 Note 42.1 Contractual maturity profile of assets and liabilities 171 10.5 Total assets by residual contractual maturity Operational risk