Use the arrows to explore our Value Creation Model
FINANCIAL STRENGTH
Funds available to the Group obtained from diverse sources.
SKILLS & KNOWLEDGE
The skills, knowledge and abilities of our people.
BRAND STRENGTH
Our brand is a key intangible asset that gives the Group a competitive advantage.
BANKING NETWORK
The licences we have that allow us to build a strong banking franchise.
TECHNOLOGY PLATFORM
Our resilient technology platform supports our operations across the region.
Our Strategy
We are an Asian bank, seeking to make banking joyful for our customers.
We intermediate trade and investment flows across Greater China, South Asia and Southeast Asia.
In Singapore, we are a universal bank serving all customer segments.
In other markets, we have traditionally focused on affluent individuals, large corporates, small and medium enterprises (SMEs) and institutional investors. Going forward we will leverage digital technologies to extend our reach to individuals.
What We Offer
Consumer Banking/Wealth Management
We serve individuals, from mass market to affluent, at every stage of their lives: from saving at a young age to buying a home as they start their own families to investing for retirement.
We offer a diverse range of banking products and services, including deposits, loans, cards, payments, investment and insurance products.
See Consumer Banking/Wealth Management
Institutional Banking
We serve large corporates, SMEs and institutional investors: from helping them finance their business activities to managing their financial risks.
We offer a full range of credit facilities from short-term working capital financing to specialised lending. We also provide transaction services such as cash management, trade finance and securities and fiduciary services; treasury and markets products; capital markets and advisory solutions.
We marry the professionalism of a world-class bank with the cultural nuances that are important in Asia – what we call Banking the Asian Way.
Asian Relationships
We strive to embody the elements of what relationships are about in Asia. We recognise that relationships have swings and roundabouts, and that every transaction does not have to be profitable in its own right.
Asian Insights
We know Asia better: we provide unique Asian insights and create bespoke Asian products.
Asian Service
We are respectful, easy to deal with and dependable, with the humility to serve and the confidence to lead.
Asian Innovation
We constantly innovate new ways of banking that are appropriate to our markets as we strive to make banking more intuitive and interactive for our customers.
Asian Connectivity
We work in a collaborative manner across geographies, supporting our customers as they expand across Asia.
Corporate Governance
We are committed to the highest standards of integrity, ethics and professionalism. To safeguard stakeholders' interests, the Board of Directors is actively engaged in providing sound leadership on the bank's direction. We believe that sound and effective corporate governance is fundamental to the Group's long-term success and sustainability.
Risk Management
Effective risk management is central to all parts of our organisation. The Board of Directors has overall accountability for ensuring that risk is effectively managed across the group.
Capital Management
As the safest bank in Asia, we maintain a strong capital position well above regulatory requirements.
See Capital Management and Planning
Our Values
Our organisational values PRIDE! shape the way we do business and work within the Group.
Purpose-driven
We strive to be a long-term Asian partner, committed to making banking joyful and trustworthy, and transforming Asia for the better.
Relationship-led
We build long-lasting relationships and strong teams, and work together to find better solutions.
Innovative
We embrace change and are not afraid to do things differently.
Decisive
Our people are given the freedom to decide, take ownership and make things happen.
E! – Everything Fun!
We have fun and celebrate together!
Our Balanced Scorecard
We use a balanced scorecard to track the progress we have made in serving the interests of our multiple stakeholders.
Our scorecard is balanced in the following ways:
- Balanced between financial and non-financial performance indicators; almost a third of the total weighting is focused on control and compliance metrics
- Balanced across multiple stakeholders, and not focused solely on shareholders
- Balanced between short-term and long-term outcomes
The scorecard is updated every year and approved by the Board. It is cascaded throughout the organisation, ensuring that the performance goals of every business, country and support function are aligned to those of the Group.