Marketplace

We position ourselves as "The Local Bank with a Personal Touch" and have been growing with our customers in Hong Kong, the Greater Bay Area and beyond over the years. As we reflect on the global environmental and social issues with local market development, we are determined to prioritise green and sustainable banking and aim to differentiate with a focus on small and medium-sized enterprises ("SMEs"). We also focus on customer centricity to build long-lasting relationships as well as ensure the satisfaction of our customers. We continue to invest in differentiating ourselves and creating the best customer experience, accommodating growing interests in new areas such as ESG by offering ESG and financing products to retail and corporate customers and educating our customers on the importance of such considerations.

Support for SMEs
SMEs are important contributors to the economy and are one of our key strategic customer segments. Supporting their participation in the mainstream economy and promoting inclusive and sustainable economic growth thus form an integral part of our business ethos, and is a key component of SDG 8: Decent Work and Economic Growth.

Through the bank's 328 Business Banking service, DSB offers a simplified and fast account opening experience to eligible SMEs and start-ups. We offer various lending solutions to support the business expansion and liquidity needs of our SME customers, both unsecured and secured. To expand our coverage and to support more SMEs, 11 SME Centres were opened within DSB branches in 2021 with dedicated teams handling account openings and providing SME products such as payroll services, SME loans and merchant services.

To alleviate the cash flow pressure of SMEs due to the challenging business environment since the outbreak of COVID-19, DSB continues to participate in the Special 100% Loan Guarantee under the SME Financing Guarantee Scheme introduced by the Hong Kong Mortgage Corporation Limited since April 2020. We also fully support the Pre-approved Principal Payment Holiday Scheme led by the Hong Kong Monetary Authority and the Banking Sector SME Lending Coordination Mechanism to offer eligible customers initially an interest-only payment for six months for loan products and a 90-day repayment deferment for trade facilities, and the subsequent extensions in line with the local banking industry.