DBS Group is a leading financial services group in Asia, with over 280 branches across 18 markets. Headquartered and listed in Singapore, the bank has a growing presence in three key Asian markets: Greater China, Southeast Asia and South Asia. As of 31 December 2017, DBS has total assets of $518 billion. Recently, DBS has strived to position itself as the Digital Bank of Singapore – a play on its original name Development Bank of Singapore.

However, not only are banks getting smarter through digital transformation; shareholders are also getting smarter too. They buy one lot of shares and wait eagerly each year to voice their grievances at the annual general meeting. This year at DBS’s 2018 AGM, I heard complaints from one shareholder about the bank donating money to ‘fake’ charities and another about having his credit limit reduced after being a customer for 30 years.

It was definitely …