This outgoing CEO has 2 scars in his career. His push for DBS into the forefront of digitalisation which cost a bomb yet has caused 2 major disruptions to customers and subsequently punished by MAS with a fine. Under this outgoing CEO, DBS brand is tarnished by his lapse in managing the bank in monitoring money laundering. He highlighted DBS India growth in branches and activities under his management; however he failed to give the ROI and a comparison vs China.😊