What is the exchange rate of remittance from Singapore Bank DBS card to China Industrial and Commercial Bank card?

There seem to be two exchange rate conversions, right?

1. Singapore Bank converted RMB into US dollars and remitted it to China Industrial and Commercial Bank. This exchange rate is the foreign exchange rate quoted by the Bank of Singapore on that day.

2. China Industrial and Commercial Bank converted US dollars into RMB. This exchange rate is the foreign exchange rate quoted by Industrial and Commercial Bank of China on that day.

This remittance method may be a loss! ?

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