Since DBS was founded 31 years ago, we've seen firsthand the speed and breadth of change - and learned the importance of adaptability. As a matter of operating philosophy, we seek to make continuous improvement an integral part of our organisational culture. That's why, across DBS Bank, we're accelerating the development of new services, capabilities and solutions for our customers. In so doing, we believe we can improve the way we approach financial services and deliver DBS to our customers.