· Business model

  • The capitals
  • Value creation
  • Connectivity of information
  • Stakeholder relationships

Key observations:

DBS’s 2014 annual report provides an overview of how the bank creates value for internal and external stakeholders in the table on page 24, with clear signposting to more detailed information elsewhere in the report.

The table identifies the key resources which the business draws upon and explains how it uses these resources to execute its strategy, specifically highlighting the distinction between its consumer and institutional banking services. DBS demonstrates its value proposition by outlining the ways that the business differentiates itself from other banks, through ‘Banking the Asian Way’.  The table then provides an overview of how the business is managed as well as the balance scorecard approach that is used to measure both financial and non-financial performance.   Finally the outputs of DBS’s activities are summarized, highlighting the value that is provided to each key stakeholder group.

Page 26 describes DBS’ stakeholder engagement process.  Brief, bulleted lists at the bottom of the page summarize the key aspects of stakeholder engagement for each group with additional detail and background being provided in the accompanying narrative discussion. 

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