DBS Банк: Крупнейший банк Юго-Восточной Азии

Singaporean multinational banking and financial services company

DBS is the largest bank in Southeast Asia by assets and among the largest banks in Asia, with assets totaling S$739 billion as of 2023. It also holds market dominant positions in consumer banking, treasury and markets, securities brokerage, equity and debt fund raising in other regions aside from Singapore, including in China, Hong Kong, Taiwan and Indonesia. DBS's largest and controlling shareholder is Temasek Holdings, Singapore's second largest sovereign wealth fund after GIC. as of 2023, Temasek owns 29% of DBS shares. The bank's reliable capital position has garnered a "AA−" and "Aa1" credit ratings by Standard & Poor's and Moody's, which are among the highest in the Asia Pacific region, as well as earning the Global Finance's "Safest Bank in Asia" accolade for six consecutive years, from 2009 to 2015. In July 2019, DBS became the first bank in the world to concurrently hold three of the most prestigious global best bank honours from Euromoney, Global Finance and The Banker. DBS has been listed on the Dow Jones Sustainability Asia Pacific Index since 2 October 2018, making it the first bank in Southeast Asia to do so. DBS was one of the first companies in Singapore to be recognised for gender equality efforts along with City Developments Limited in the first Bloomberg L. P. Gender Equality Index (GEI) that was published in 2018.

The Development Bank of Singapore Limited was established on 16 July 1968 by the Singapore government to take over the industrial financing responsibilities of the Economic Development Board (EDB) and began operations on 1 September 1968. The bank's main function upon its establishment was to finance Singapore’s industrialisation and the government’s urban development projects. Back in 1960, the government invited a United Nations (UN) industrial survey mission to assess the economic situation in Singapore and to come up with an industrialization programme for the city. The proposal included setting up a development bank, together with an economic body to attract foreign investments to Singapore and also provide industrial financing and management of industrial estates.

Formerly known as Post Office Savings Bank, it was established on 1 January 1877 at the General Post Office Building in Raffles Place by the Straits Settlements government. By 1976, POSB had one million depositors, while deposits crossed the S$1 billion mark. The bank was then renamed POSBank in 1990, before being acquired by DBS Bank on 16 November 1998 for S$1.6 billion (first announced on 24 July 1998), giving it a dominant market share with over four million customers. The merger was seen to enable POSB to compete better with full fledged commercial banks, to better serve more sophisticated customers, and in line with the government's call for local banks to merge and create larger and stronger banks to compete internationally. POSB Bank still operates one of the highest numbers of bank branches in Singapore, especially in the heartlands, and operates the highest number of ATM outlets throughout the country. The integration of both banks allowed customers of either bank to share the facilities; DBS Bank depositors may use the Cash Deposit Machine installed islandwide in POSBank branches, likewise for POSB Bank depositors.

DBS Bank launched The Islamic Bank of Asia (IB Asia) on 7 May 2007, after receiving official approval from the Monetary Authority of Singapore for a full bank licence. IB Asia's founding shareholders include majority stakeholder DBS and 34 Middle Eastern investors from prominent families and industrial groups from Gulf Cooperation Council (GCC) countries. On 14 September 2015, DBS Bank announced that it will progressively cease IB Asia as it was not able to achieve economies of scale when operated as a single entity. The process was estimated to take about 2 to 3 years. DBS stated that it would developing its own Islamic compliant banking products instead.

Starting in late 2006, the bank began releasing to its Internet banking customers a Dual Factor Authentication device to assist in thwarting phishing attacks. The DBS iB Secure Device is a hardware device with a key fob form factor that generates a password that is linked to the log on name. The password changes every sixty seconds and once used is no longer valid. The institution Code for DBS is 7171. In 2012, DBS introduced a New Generation IB Secure Device as part of the financial industry wide initiative for an even safer online banking experience. The device has stronger authentication capabilities and provides users with an extra layer of security against potential fraudulent activities and threats. DBS had a total of 2.4 million Internet banking users in Singapore as of 2013.

On 15 April 2010, DBS Bank launched mBanking to both DBS and POSB customers. It allows customers to view their banking and credit card accounts, transfer funds and pay bills via their mobile phones. Customers using mBanking will be protected by DBS Bank's 'money safe' guarantee. The bank promised reimbursements if were are any unauthorised transactions. As of 2013, there were 839,000 mBanking users in Singapore. In 2014, CEO Piyush Gupta and his leadership team launched a digital transformation programme intended to "Make Banking Joyful". Under this programme, the bank would consider itself "a technology company delivering banking services" and benchmark its progress against leading technology companies and aim to be the "D" in the acronym GANDALF, alongside Google, Amazon, Netflix, Apple, LinkedIn, and Facebook. In 2016 and 2018, the Euromoney magazine named DBS the world's best digital bank and the world's best small and medium size enterprise bank. The Monetary Authority of Singapore (MAS) stated that the disruption was "unacceptable" and that the bank had fallen short of MAS's expectations that the bank would maintain "high system availability and ensure its IT systems are recovered expeditiously". The regulator stated that it would "take the commensurate supervisory actions against DBS after gathering the necessary facts". At the bank's annual general meeting held on 31 March 2023, CEO Piyush Gupta apologised for the service outage that had occurred earlier in the month. Chairman Peter Seah announced that a special board committee had been set up to investigate the incident and that external experts would be brought in to assist the bank. On 5 May 2023, DBS's online banking and payment services, as well as its ATM services, were disrupted from about noon until about 3.10pm. The disruption affected the bank's PayLah! service as well as the 'paywave' feature on credit and debit cards. Following the incident, the MAS imposed additional capital requirements on DBS, requiring it to apply a multiplier of 1.8 times to its risk weighted assets for operational risk, such that its total additional regulatory capital would need to amount to approximately S$1.6 billion. On 14 October 2023, DBS suffered a service disruption that affected its digital banking services, including its online banking and payment services as well as its ATM services. The disruption lasted from began from 3pm and lasted for at least several hours. At 10.10pm, DBS announced that all ATMs were back up and running, although some digital services, such as digital banking and its PayLah! service continued to be disrupted. On 1 November 2023, in response to the incidents, the MAS imposed restrictions on DBS: prohibiting it from acquiring any new business ventures and requiring it to pause all non essential IT changes for 6 months. DBS was also prohibited from reducing the size of its branch and ATM networks in Singapore. CEO Piyush Gupta apologised for the disruption and stated that the bank will set aside a special budget of S$80 million to enhance system resiliency. According to CEO Piyush Gupta, four out of five of the bank's major disruptions in 2023 were related to software bugs, and further that "in at least two or three of these incidents, the bug was so deep that we wouldn't be able to pick it up". He also cited "working from home" as a possible cause for these software bugs and said that the bank intended to improve the depth of its engineering team. DBS has set aside a special budget of S$80 million to enhance system resiliency and hopes to have a more robust recovery process in place by the end of Q1 2024.

In October 2016, the Monetary Authority of Singapore (MAS) imposed financial penalties amounting to S$1 million on DBS for 10 breaches of anti money laundering requirements and control lapses in relation to Malaysia’s scandal tainted 1Malaysia Development Berhad (1MDB) related fund flows.

In June 2023, DBS was fined S$2.6 million by the Monetary Authority of Singapore (MAS) for breaching anti money laundering and countering the financing of terrorism requirements, in a matter related to the German payments provider Wirecard scandal between July 2015 and February 2020, in relation to the accounts of 11 corporate customers. DBS had failed to maintain relevant and up to date due diligence information on the customers’ beneficial ownerships, and to update their risk ratings for money laundering and terrorism financing. The bank also failed to adequately establish the source of wealth of higher risk customers and their beneficial owners. In addition, it did not adequately inquire into the background and purpose of unusually large transactions that were not consistent with its knowledge of the customers, or had no apparent economic purpose.