DBS has rolled out an agentic AI solution designed to change how relationship managers and credit risk managers handle complex credit assessments for large and mid-sized corporate clients. Specialised agents cover more than 70 tasks, turning raw data into a review-ready first draft of a credit memo. That means faster memo generation, sharper risk analysis, and more time for relationship managers to focus on strategic client work.
The rollout follows a pilot with 150 participants and now covers around 1,500 employees globally.
Credit assessments sit at the core of due diligence, helping banks gauge a company’s financial health, business prospects and risk profile before extending financing. They’re also slow going. Relationship managers can spend up to 40% of their time on credit memos, working through structured and unstructured information from annual reports, industry research and internal records. DBS wants to cut that time by at least 30%.
With the new tool, relationship managers and credit risk managers work directly with the agent to refine the initial draft into a final memo, layering in deeper agent-driven research alongside the team’s own industry expertise, client knowledge and business context. That shift frees relationship managers to focus on strategic client conversations, and gives credit risk managers more room for portfolio strategy, risk calibration and emerging risks.
Han Kwee Juan, Group Head of Institutional Banking at DBS, said, “We believe that agentic AI can help to reimagine corporate banking. Through this capability, we have been able to capture the knowledge and insight of our best relationship managers and credit risk managers, turning these into a solution which enables us to level up the quality of our credit analysis at scale. This in turn helps our relationship managers to pivot their time and focus on partnering with our clients to drive growth for their business and for our credit risk managers to proactively manage risks.”
The initiative fits DBS’s broader ambition to become an AI-enabled bank that amplifies human expertise rather than replacing it, freeing employees to focus on what matters most. It builds on the bank’s wider agentic AI push: last month, DBS rolled out agentic AI upgrades to its virtual assistants, DBS Joy and DBS digibot, which together serve around 10 million customers across Singapore, Hong Kong and Taiwan.
DBS operates across 19 markets and is headquartered in Singapore, spanning Greater China, Southeast Asia and South Asia. The bank has been named “World’s Best Bank” by Global Finance and Euromoney, “Global Bank of the Year” by The Banker, and “World’s Best AI Bank” by Global Finance, and has held Global Finance’s “Safest Bank in Asia” title for 17 straight years through 2025.
Digital Trade Outlook’s View: Agentic AI
This rollout marks a shift from AI-assisted drafting to agentic systems performing multi-step reasoning across dozens of tasks in a live corporate credit workflow, at scale rather than in pilot. As agents absorb the heavy lifting of data synthesis, banks may start competing more on how well they blend automated drafts with human judgment than on raw speed. Expect similar deployments to spread into trade finance underwriting and supply chain risk assessment, where the same document-heavy, judgment-intensive work applies.
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