A
disruptive innovator
for real-world

Our customer engagement scores for both Consumer Banking and Wealth Management continued to improve, driven by strong RM engagement and advisory, seamless customer journeys and positive frontline interactions. Our dedication to customer experience was recognised with the 2025 Euromoney ‘World’s Best Bank for Customer Experience’ award. We also maintained our leadership in market penetration, as well as customer satisfaction and quality across all key markets in the Coalition Greenwich survey index for Large Corporates.

To help SMEs cope with foreign exchange (FX) volatility, we launched SecureFX, enabling SMEs to lock in preferred FX rates up to one month in advance for up to USD 1 million of payments. We also organised multiple engagement events in our core markets to provide customers with expert insights on navigating heightened geopolitical and macroeconomic uncertainties. We organised dialogues with Singapore’s Deputy Prime Minister and Minister for Trade & Industry Gan Kim Yong as well as Deputy Chairman of the Monetary Authority of Singapore Chee Hong Tat for our corporate customers to discuss emerging challenges and opportunities.

We continued to integrate the strengths across our franchise to capture the white space between markets, product segments and business units, delivering a differentiated and holistic proposition to our customers. For instance, we brought together our private banking, corporate and investment banking expertise to deliver holistic advisory to our wealth clients, of whom more than 70% are entrepreneurs and business-owners. They choose us not just for our safety and world-class capabilities, but also the strength of our corporate banking franchise, which enables them to expand their business across Asia.

We continued to deepen our data and AI capabilities, deploying over 2,000 models across more than 430 use cases, and generating approximately SGD 1 billion in economic value from data analytics and AI/ ML. New innovations included DBS Joy, a Gen AI-powered corporate banking bot used by over 20,000 customers. In recognition of our strengths, Global Finance named us ‘World’s Best AI Bank’.

We expanded our digital asset capabilities by launching tokenised structured notes on Ethereum. We also partnered Franklin Templeton to introduce Singapore’s first money market fund with a tokenised register. We are developing an interbank tokenised deposit transfer framework with Kinexys by J.P. Morgan. In Singapore, we launched programmable rewards on DBS PayLah! and joined the Monetary Authority of Singapore’s trial to settle interbank overnight lending transactions using wholesale central bank digital currency. We also completed a pilot under the Hong Kong Monetary Authority’s Project e-HKD+, leveraging tokenisation and programmability to enhance digital vouchers.

We deepened our strategic collaboration with Ant International, enabling over three million DBS PayLah! users to make QR code payments to more than 150 million merchants on the Alipay+ network. Both DBS and Ant International also committed to exploring near-instant remittances to 1.8 billion consumer accounts on Alipay+. We also partnered Tencent to enable DBS PayLah! users to make seamless payments to merchants in China on Weixin Pay, and to allow DBS Remit users to transfer funds directly to WeChat wallets in China. In Taiwan, we launched DBS GlobeSend to offer SMEs a user-friendly portal to make faster, simpler and safer cross-border payments.