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        BOS logo
        Disclosures
        • Home
        • Disclosures and Disclaimers
        • Disclosures

        Disclosures

        Contents

        • For Bank of Singapore Limited
        • For Bank of Singapore Limited (Hong Kong Branch)
        • For BOS Wealth Management Europe S.A.

        For Bank of Singapore Limited

        The following document explains how we treat accredited investors like you.

        Explanation of the effect of Accredited Investor status

        Bank of Singapore is expected to comply in delivering best execution in respect of certain financial instruments within the scope of requirements imposed by applicable laws and regulations in the locations we operate in.

        Best Execution Policy

        We believe in transparency and being forthright with all clients and investors. We strive to disclose all information that could help you evaluate our strengths and understand the corporate governance of our Bank. We have a transparent governance structure that ensures the interests of all our stakeholders are protected.

        Corporate governance report

        In line with the culture of our parent company, OCBC, we are focused on building enduring relationships with clients by making fair dealing the basis of our business. In our dealings with you:

        • you will be offered only products and services that you need or are suitable for you
        • you will deal only with competent staff who can give quality investment views and recommendations
        • you will be able to make informed decisions because we will provide clear, relevant and timely information
        • your complaints, if any, will be handled independently, effectively and promptly

        Fair dealing is embedded in the Purpose and Values that are the bedrock of both banks, especially in our Value of Integrity. These Values – the others are Customers, People, Teamwork, Prudent Risk Taking and Effectiveness – are continuously and consistently instilled as principles both to guide decisions and behaviour, and to inspire our people.

        OCBC Whistleblowing Programme

        Bank of Singapore's Common Equity Tier 1 Capital Adequacy Ratio (CAR), Tier 1 CAR and Total CAR, as of 31 December 2024, were above the minimum 6.5%, 8% and 10% required by the Monetary Authority of Singapore, respectively.

        Capital adequacy ratio disclosure as of 31 December 2024

        The Bank has policies and controls that are designed to protect a counterparty’s confidential information. Please note that the Bank, as a regulated entity, has regulatory and other duties to supervise and control its business. The Bank shares information as necessary to fulfil these responsibilities and will respond to general and specific regulatory and other requests with which it is required to comply with. With regard to executed transactions, the Bank analyses this information on an individual and aggregate basis for a variety of purposes, including counterparty risk management.

        Download pdf

        Modern Slavery Act

        List of insured deposits

        Deposit accounts which are eligible for deposit insurance coverage under the Deposit
        Insurance and Policy Owners’ Protection Schemes Act 2011. 

        • Current Accounts
          • Capital Account
            Current Account
            Income Account
            Investment Account
        • Fixed Deposit Accounts
          • Term deposits

        Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation ("SDIC"), for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please refer to SDIC's consumer guide.

        Discretionary Portfolio Management (DPM) Sustainability Disclosure

        [English] Extract of audited financial statements 2024
        [Chinese] Extract of audited financial statements 2024
        [Malay] Extract of audited financial statements 2024
        [Tamil] Extract of audited financial statements 2024

        For Bank of Singapore Limited (Hong Kong Branch)

        To enhance customer protection and efficiency of payment, the banking industry provides customers with an additional payment arrangement for property transactions as an alternative to the existing arrangement. This applies to refinancing transactions of residential properties in Hong Kong including car parking space in a residential building whether independently or together with a residential unit. This has been endorsed by the Hong Kong Monetary Authority.

        Additional Payment Arrangements for Property Transactions

        Quarterly Disclosure statement 31 March 2025
        Annual financial year ended 31 Dec 2024
        Quarterly Disclosure statement 30 Sep 2024
        Interim financial year ended 30 June 2024
        Quarterly disclosure statement 31 March 2024
        Annual financial year ended 31 December 2023
        Quarterly disclosure statement 30 September 2023
        Interim financial year ended 30 June 2023
        Quarterly disclosure statement 31 March 2023
        Annual financial year ended 31 December 2022
        Quarterly disclosure statement 30 September 2022
        Interim financial year ended 30 June 2022
        Quarterly disclosure statement 31 March 2022
        Annual financial year ended 31 December 2021
        Quarterly disclosure statement 30 September 2021
        Interim financial year ended 30 June 2021
        Quarterly disclosure statement 31 March 2021
        Annual financial year ended 31 December 2020
        Quarterly disclosure statement 30 September 2020
        Interim financial year ended 30 June 2020
        Quarterly disclosure statement 31 March 2020
        Annual financial year ended 31 December 2019
        Quarterly disclosure statement 30 September 2019
        Interim financial year ended 30 June 2019
        Quarterly disclosure statement 31 March 2019
        Annual financial year ended 31 December 2018
        Quarterly disclosure statement 30 September 2018
        Interim financial year ended 30 June 2018
        Interim financial year ended 30 June 2017
        Interim financial year ended 30 June 2016
        Annual financial year ended 31 December 2017
        Annual financial year ended 31 December 2016
        Interim financial year ended 30 June 2015
        Annual financial year ended 31 December 2015

        At Bank of Singapore, we value high ethical standards that drive our core values – Lasting Value, Integrity, Forward-looking, Respect and Responsibility. What we do, what we say and the decisions we make, must reflect these values.

        Code of Conduct

        For BOS Wealth Management Europe S.A.

        Best Execution

        The BOSWME Best Execution Policy is a document that provides the reasonable steps taken by us to obtain the best possible result for our clients, considering price, costs, speed, likelihood of execution and settlement, size, nature, or any other consideration relevant to order execution.

        In addition to this, regarding the Top 5 Venue and Quality Report that informs our clients about how and if we achieve the best execution results for them, as per the ESMA public statement ESMA35-335435667-5871 from 13 February 2024 on the “Deprioritisation of supervisory actions on the obligation to publish RTS 27 reports after 28 February 2023”, the reporting obligation for investment firms set out in Article 27(6) of the MiFID II to publish annually information on the identity of execution venues and on the quality of execution (the Top 5 Venue and Quality Report) has been deleted pending implementation of the European Parliament adoption of the agreed MiFID II/MiFiR review Level 1 texts.

        Best Execution Policy
        SFDR & ESG

        BOS Wealth Management Europe’s Environmental, Social and Governance (ESG) Disclosures issued in the context of the regulation on sustainability-related disclosures in the financial services sector ('SFDR').

        BOSWME SFDR Disclosure on the Remuneration Policy and Sustainability Risks
        BOSWME SFDR & ESG Disclosure
        Conflict of Interest

        BOSWME has developed best practices to address any conflict of interest, including potential or perceived conflicts. Internally, we have adopted a Conflict of Interest Policy in 2019 which is approved by the Board of Directors and reviewed annually.

        Our declared objectives concerning conflicts of interest are as follows:

        • identify situations where (potential, perceived or real) conflicts of interests may arise, entailing a material risk of damage to the client’s interests
        • inform clients about the conflicts of interests
        • establish appropriate procedures, mechanisms and systems that allow, to the greatest extent possible, to prevent the occurrence of real conflicts of interests and to have appropriate measures and procedures for managing conflicts of interest that cannot be avoided
        • maintain records of such conflicts of interests (including potential or perceived conflicts of interests)

        In case you would like to report a conflict of interest, you may do so by email to coi@boswm.com.

        BOSWME Conflict of Interest Policy
        Whistleblowing

        BOSWME encourages and protects employees (including candidates and former employees), clients, parties with whom the firm has a business relationship (e.g., vendors) who speak up when they encounter behaviour by or within BOSWME that either is or may be unethical, illegal or goes against our core values and principles.

        Internally, we have adopted a Whistleblowing Policy in 2023 which is approved by the Board of Directors and reviewed annually.

        The policy includes but is not limited to wrongdoings involving:

        • accounting, internal accounting controls or auditing matters
        • money laundering or terrorist financing
        • financing clients who violate human rights or commit environmental crimes
        • market manipulation
        • insider trading
        • confidentiality or privacy breaches
        • theft
        • fraud
        • bribery or corruption
        • undesirable behaviours
        • violations of any other laws, regulations or BOSWM, Bank of Singapore or OCBC policies

        In case you would like to raise a concern, you may do so by email to whistleblowing@boswm.com.

        Additionally, a dedicated whistleblowing procedure and reporting tool are available on the CSSF website which is the supervisory authority for professionals and products of the Luxembourg financial sector.

        BOSWME Whistleblowing Policy
        COMPLAINTS

        At BOSWME, we are committed to providing you with the highest quality of service that you, our valued customer, deserve.

        If you feel that our service does not meet your expectations at any point, you can complain however you feel comfortable: by letter, by e-mail or by speaking to any contact at BOSWME.

        Your feedback is important to us, and we are committed to addressing any concerns you may have promptly and effectively.

        Customers can contact us via these channels:

        BOS Wealth Management Europe, SA, Luxembourg office

        • Email: complaints.lu@boswm.com
        • Mail: BOS Wealth Management Europe S.A., Complaints Officer, 33 Rue Ste Zithe, L-2763 Luxembourg, Luxembourg

        BOS Wealth Management Europe, SA, UK Branch

        • Email: complaintshandling.uk@bankofsingapore.com
        • Mail: 3rd Floor, The Rex Building 62 Queen Street London EC4R 1EB

        Customers can also reach out to their Relationship Manager or the Branch Manager.

        Upon receiving your complaint, we will look into what has happened and try our best to resolve your complaint as soon as we can.

        If we have been able to sort things out straight away, we will write to confirm and let you know about the summary resolution.

        However, depending on the nature of your concern(s), sometimes this can take longer. Where we need to look into your complaint in more detail, we will send you an acknowledgement. This will provide further information and what you can expect in terms of next steps.

        If you are not satisfied with the resolution of your complaint, you can escalate it to the Commission de Surveillance du Secteur Financier (CSSF) at: https://reclamations.apps.cssf.lu or the Financial Ombudsman Service (FOS) at https://www.financial-ombudsman.org.uk whichever applicable.

        Professional Secrecy And Outsourcings Disclosure

        BOSWME maintains secrecy of the information entrusted to us by clients in the context of our professional activity or mandate, as provided by Article 41 of the Luxembourg Law of 5 April 1993 on the financial sector.

        Outsourcing table

        The outsourcing arrangements of BOSWME involving the disclosure of client information subject to professional secrecy obligations are detailed in this document (e.g., the relevant services, the type of information to be disclosed in this context and the country of establishment of the service provider).

        BOSWME Outsourcing table

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