Business Model
ENDURING JOURNEY
INVESTORS
Business initiatives require financial capital, which includes shareholders’ equity, debt and operating cash. Our investors are key to the financial resources necessary to run the business.
Shareholders’ equity
Average gearing
EMPLOYEES
Our people bring on board expertise and experience to drive efficiency in all aspects of the business.
Total workforce
PARTNERS
The Company reaches out to customers through in-house distribution channels and independent sales agents. Consultation with external service providers and auditors is undertaken to fulfil various business objectives.
External sales partners (including direct marketing agents, deposit brokers and connectors)
CUSTOMERS
Individuals, households, businesses and corporates help in generating revenues through interest payments.
AUM
GOVERNMENTS AND REGULATORS
We are committed to good governance practices, adhering to all pertinent regulatory frameworks, complying with taxes payable on our products and services and conducting constructive dialogue with relevant authorities
Paid in taxes to the exchequer (excluding GST)
COMMUNITIES
We derive the license to operate from the trust our stakeholders place in us. The goal is to validate this trust through our initiatives.
CSR spend
CSR beneficiaries
MAKING
owning a home a
seamless experience
OFFERING
a broad range of products to suit the
requirements of different customers
POSSESSING
sector-specific knowledge and
technical expertise to better
understand customers
EVALUATING
risks to people, property and assets
for the sake of business sustainability
Regular returns to investors
Creation of jobs, upskilling of high-potential talent and providing career development opportunities
Reliable value-accretive partnerships for associates, offering insights and analysis
Trusted experience and solutions that offer unparalleled service
Direct and indirect contribution to the prosperity of local communities