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Delivering Value to Multiple Stakeholders

Banking benefits the community when it creates long-term economic value and generates profits in a responsible way. We have the ability to improve lives with our products and services. A housing loan can empower individuals to build homes for their families; a business loan can create job opportunities for thousands. We recognise we have obligations to multiple stakeholders - shareholders, customers, employees, regulators and society – and strive to consistently deliver value to all of them.


Our shareholders expect superior and sustainable returns commensurate with their risk appetite, with profits earned in a responsible manner.


To differentiate ourselves in an industry as commoditised as banking, we must put our customers at the centre of all that we do. This means anticipating our customers' needs as well as offering better products, a superior experience and greater convenience.


People are at the heart of banking and we are committed to being an employer of choice.


We believe we can contribute to the stability of the financial system by engaging regulators and industry bodies to shape the development of policies. We actively participate in forums to do so.


Our role in society goes beyond corporate citizenship and philanthropy. We believe we have a much broader social purpose - to create long-term economic value through responsible banking to enhance the communities we serve.

Given our roots as the Development Bank of Singapore and unique position as the custodian of Singapore's oldest and much-loved Post Office Savings Bank (now known as POSB), we believe that banking is more than just being a commercially-centred enterprise. We are committed to the philosophy of doing the right thing for our stakeholders and have embedded it in our business. Apart from creating long-term economic value, we also seek to positively benefit the communities we are present in, and deliver social value. To further our corporate social responsibility efforts, we recently established a SGD 50 million foundation to further our commitment to be a force for good.

To further our belief that we need to deliver value to all our stakeholders, DBS, in 2012, was the first Singapore member of a pilot programme set up by the International Integrated Reporting Council (IIRC), which is focused on enhancing the way companies communicate their strategies and values to stakeholders. This underlines our continued commitment to using the integrated reporting format for our annual reports. Following IIRC's newly issued framework, we have made further enhancements to our 2013 annual report, which we believe will help our stakeholders better understand the bank's integrated approach to doing business.

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