Everything is rosy for DBS but be careful as it is sitting on a big time bomb - over invested in India.  It is extremely aggressive in India, expansion due to buying of a bankrupt Indian bank.  Why does HSBC and Standard Chartered with long history from colonial days know that DBS does not.  When time are bad, even so called Indian blue chips can default or find excuse in repaying their debts.  India is so corrupt that the Indians can buy influences with judges too.  Where in the world no matter how corrupt the country, entrepreneur only get to own one or two type of infrastructures like power station and something else.  In India, the blue eye boy, got everything namely power station, telecom, airport, seaport, cables, etc and he claims no corruption.  Westerners love India because of its growing population versus China, but it is a world problem.  India is trying very hard to export its unemployment to the world.  There is so much unhappiness in Singapore and it is the real reason for Brexit in Britain because Indians came through the continent.  So watch out for crisis in DBS down the road. It may have already started with its shares market decline in tandem with US because of floating Chinese money is getting out and beginning to flow back to China.