OCBC Bank is the longest established Singapore bank. It was formed in 1932 from the merger of three local banks, the oldest of which was founded in 1912. OCBC has a presence in key markets such as Singapore, Malaysia, Indonesia, and Greater China. It has 590 branches and representative offices in 18 countries and regions. As of 31 December 2017, it has total assets of $455 billion.

When you attend several AGMs in the space of two weeks, it is very easy to lose track of where you are. Before I knew it, I found myself back at the Marina Bay Sands Grand Ballroom.

I thought to myself, “Could this be déjà vu all over again?”

It was not until I heard someone in the background complaining — “Why did you increase the dividend by only one cent compared to the two other local banks?” — that I …