In the pre-2020 era, banking was shaped by the traditional brick and mortar model whilst a complementary digital transformation gained rapid ground. Today, as a consequence of COVID-19, the thrust into a digitally enabled world has taken place more quickly than envisaged. An age is upon us, where the 'old' will finally give way to the 'new' and digital becomes the new mainstream. The foresight of DFCC in reading the signs well before and developing its digital platform, products and services ahead of many, has enabled us to remain a bank for all customers — every segment and every demographic... for all time.
This Integrated Annual Report serves as a disclosure of our strategy, governance, performance, and prospects and how they help to create sustainable value within our operating environment.