DBS Bank's AI Integration Yields Over SGD 1 Billion Revenue

Southeast Asia’s Largest Bank Reports Immediate Payoff from AI Adoption

SINGAPORE — The CEO of Southeast Asia’s largest bank, DBS Group Holdings Ltd., Tan Su Shan, declared at the Singapore Fintech Festival on November 12, 2025, that artificial intelligence (AI) adoption is already delivering tangible financial benefits, dispelling concerns about AI being a future promise rather than a present reality. “It’s not hope, it’s now,” she said, emphasizing that DBS is seeing over 1 billion Singapore dollars in revenue this year directly attributable to around 370 AI-driven use cases.

Leading AI Integration in Banking

DBS, a dominant financial institution in Southeast Asia, has aggressively integrated AI technologies into its operations and client services. Unlike many companies that are still grappling with the challenge of converting AI investments into profits, DBS’s approach demonstrates how AI can yield immediate returns when strategically deployed.

Revenue Gains: Tan Su Shan revealed the bank’s AI initiatives are contributing more than SGD 1 billion in revenue in 2025 alone, a remarkable figure that underscores the maturity of their AI applications.
Operational Efficiency: AI has enabled DBS to build faster, more resilient teams and enhance the customer experience, improving deposit growth that outpaces regional competitors.
Customer-Centric AI: The bank employs over 100 AI algorithms to provide personalized insights and tailored financial advice through its mobile app, aiming to evolve its generative AI into a trusted financial advisor for clients.

Strategic Focus on Human-AI Collaboration

While DBS is advancing AI capabilities, Tan Su Shan stresses the importance of balancing technological progress with human skills. The bank has invested heavily in reskilling its workforce to ensure employees adapt alongside AI, maintaining a human touch in customer relationships.

Tan describes AI adoption as an “upgrade” that frees employees to focus on higher-value tasks, enhancing productivity and job satisfaction.
Ongoing training programs help staff acquire AI literacy and new skill sets necessary for operating in an AI-enhanced environment.

Industry Context and Significance

DBS’s success comes at a time when the broader tech and financial sectors are cautious about AI’s immediate profitability. Many large corporations have reported that billions invested in AI have yet to produce commensurate returns, fueling skepticism about an AI investment bubble. Against this backdrop, DBS stands out as a case study for AI’s practical and measurable impact in the financial services industry.

The bank’s AI-driven innovations improve institutional client services, enabling faster decision-making and risk management.
DBS’s leadership in AI adoption aligns with Singapore’s broader ambition to be a global fintech hub, leveraging advanced technologies to enhance financial inclusion and efficiency.

The Vision Ahead: AI as a Trusted Financial Advisor

Looking forward, DBS plans to deepen its AI capabilities by integrating generative AI more fully into client engagement. The goal is to create a personalized, interactive financial assistant that clients can rely on for advice and support, accessible through the bank’s digital platforms.

This vision involves combining data analytics, machine learning, and natural language processing to deliver contextual, real-time insights.
Personalized AI interactions aim to democratize financial planning, making sophisticated advisory services available to a wider audience.

About Tan Su Shan and DBS

Tan Su Shan, recognized as Fortune’s Most Powerful Woman in Asia in 2025, has been a vocal advocate of AI in banking. Under her leadership, DBS has transformed from a traditional bank into a digital powerhouse, pioneering AI and fintech innovations across Southeast Asia.

DBS Bank is Southeast Asia’s largest bank by assets and market capitalization, headquartered in Singapore, with a significant presence across the region. The bank’s strategic AI investments place it at the forefront of digital transformation in the financial sector.

Visuals to Accompany the Article

Portrait of Tan Su Shan, CEO of DBS Group Holdings, ideally from the Singapore Fintech Festival or a professional corporate setting.
DBS Bank logo and images of DBS digital banking platforms showcasing AI-powered features.
Screenshots or conceptual visuals of the AI chatbot launched by DBS for corporate client services.
Infographics illustrating AI revenue impact and the number of AI use cases deployed by DBS.

DBS’s experience highlights how AI is not merely a futuristic hope but a present-day catalyst for growth and innovation in banking. Its strategic approach, combining technology with human expertise, offers a blueprint for financial institutions worldwide navigating the AI revolution.