• Specialised agents tackle over 70 different tasks to prepare a review-grade first draft of credit memo while bankers and credit managers deepen the assessment
• Innovative solution is now rolled out to some 1,500 bankers globally, following a successful pilot with 150 users

Singapore, 19 August 2026 – DBS today announced the rollout of an agentic AI solution to transform how its relationship managers and credit risk managers prepare complex credit assessments for large and mid-sized corporate clients. Powered by specialised agents tackling more than 70 different tasks, the innovative solution synthesises raw data into a review-ready first draft of a credit memo. This enables faster credit memo generation and more robust risk analysis, freeing up time for relationship managers to focus on more strategic engagements with clients.

After an initial pilot phase involving 150 participants, the capability has been rolled out to approximately 1,500 employees globally.

Reimagining corporate banking with agentic AI

Credit assessments are an essential part of the due diligence process, helping banks evaluate a company's financial health, business prospects and risk profile before extending financing. They are also time-consuming and labour-intensive, requiring deeper research and detailed analysis.

For relationship managers, preparing credit memos and related credit activities can account for up to 40% of their time, requiring them to sift through vast amounts of structured and unstructured information from sources such as annual reports, industry research and internal records. The goal is to reduce time spent by at least 30%.

The solution allows relationship managers and credit risk managers to iterate with the agent to sharpen the review-ready first draft into the final credit memo with deeper research by the agents and incorporate industry expertise, client knowledge and business context of the team. This will free up time for relationship managers to focus on strategic client conversations, and for credit risk managers to focus more deeply on portfolio strategy, risk calibration and emerging risks.

Han Kwee Juan, group head of institutional banking, 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."

This solution is part of DBS' broader ambition to become an AI-enabled bank with a heart, where human expertise is amplified through AI and enables employees to focus on what matters most. It also builds on the bank's wider effort to embed agentic AI across customer and employee journeys. Last month, DBS announced agentic AI enhancements to its virtual assistants, DBS Joy and DBS digibot, which will serve some 10 million customers across Singapore, Hong Kong and Taiwan.

Re-disseminated by The Asian Banker