Green Link Digital Bank (GLDB) is one of two MAS-licensed digital wholesale banks in Singapore. They launched in June 2022 to serve Micro, Small, and Medium Enterprises (MSMEs), with a key focus on the supply chain business.
The Bank’s two shareholders come together to provide a unique value proposition for the Bank. Greenland Group is a Fortune Global 500 enterprise with extensive experience across real estate, infrastructure and large-scale business operations, while Linklogis is a leading supply chain finance technology solutions provider.
GLDB’s experience in supply chain financing and innovative, easy-to-use technological solutions provide accessible commercial banking, as well as supply chain offerings for underserved MSMEs.
Their banking functions support the day-to-day financial needs of businesses at different stages of growth, from cash management and payments to financing and liquidity planning.
#1 How Does A Relatively New Player Like Green Link Digital Bank Stand Out?
We serve the underserved and provide practical tools and services that help businesses manage complexity and operate more efficiently.
Due to the Bank’s digital nature, we do not incur the brick-and-mortar costs associated with traditional banks and their branch networks, enabling us to potentially translate these cost efficiencies into more favourable terms for our customers.
Unlike many of the traditional banks which lean towards traditional and more established business models and segments, we are sector-agnostic and serve newer segments such as those in the high-tech space. Our deposit offerings also provide more flexibility for clients to manage their cash, including innovative structures such as offering current accounts and multi-currency accounts which do not charge a minimum balance fee and lets customers earn credit interest – features typically not offered by traditional banks.
Last but not least, our leaner and flatter organisation structure with experienced banking professionals enables us to scale new solutions rapidly, while improving quality and maintaining compliance.
#2 How Does The Bank Drive Sustained Business Growth, Especially After Becoming Profitable In 2025?
Overall, as we grow our business, we bring together two complementary mindsets: a disciplined test‑then‑scale approach and a constant focus on innovation. We continuously pilot new products and initiatives, then scale only when product-market fit, commercial viability and control readiness are evidenced. This pairing helps us quickly identify growth and cost-saving opportunities, scale what works at pace, and decisively retire ideas that do not.
We have also diversified our revenue across products such as lending, payments, and FX. We also optimise lending margin yields through risk-adjusted pricing, active portfolio management, and disciplined underwriting, while maintaining prudent credit performance. In addition, we selectively target underserved segments where our capabilities command risk‑appropriate pricing, helping to offset margin and fee compression.
This has enabled the Bank to scale its operating income by over eight times between 2023 and 2025 and turn profitable in 2025.
In 2026, we have identified several initiatives to potentially improve our offerings and capabilities, such as leveraging AI in various aspects of the Bank’s operations, and which we will test robustly before rolling them out progressively. Our goal for FY2026 is to deliver double‑digit year‑on‑year growth while maintaining prudent risk and capital buffers.
#3 What Strategies And Technologies Does GLDB Use To Maximise Its Value Proposition?
We have maintained a lean and flat organisational model, which enables us to quickly execute business decisions and uphold strict compliance with the latest regulatory requirements across all transactions carried out by the Bank.
Green Link Digital Bank embeds artificial intelligence and machine learning end-to-end in its business and leads ecosystem upskilling as one of the first digital banks in the inaugural MAS PathFinder AI programme.
GLDB has built a bank-only on-prem AI platform to host internal LLMs and agents.
In 2026, this will expand to include: 1) GLDB Internal AI Assistant for staff, providing role-aware access to policies, procedures, playbooks, and code, and 2) an Agent Studio for teams to design and publish self-service task agents. These AI initiatives will accelerate onboarding, improve first-contact resolution, enhance risk monitoring, and streamline engineering workflows.
#4 What Is The Bank’s Biggest Risk Or Challenge In The Near Future?
Uncertainties in global supply chains, driven by trade tensions and geopolitical risks, are a major risk. These forces can raise input costs and disrupt logistics for our clients, affecting both new and existing loans through higher operating expenses and potential revenue delays. Downstream, a more challenging trade environment may impede customers’ ability to convert orders to cash. Upstream, it may increase the cost and availability of key supplies. This can, in turn, influence funding costs and overall credit quality.
To mitigate these risks, the Group maintains robust portfolio and risk-management policies, including constant monitoring of customers for any changes in their risk profiles, as well as identification of emerging risks.
#5 As The Bank Matures To A Commercially Viable Entity, What Are Your Mid-To-Longer Term Plans?
Now that the Bank is profitable, we are able to fund growth through retained earnings while maintaining prudent capital buffers and robust risk management and monitoring.
We are evaluating a future IPO, subject to market conditions and regulatory approvals, and may complement retained earnings with selective capital actions where appropriate.
New capital would be used to grow our loan book, as well as to build up new capabilities of the Bank through technology such as AI.
Editor’s Note: Some answers for this article were extracted from the SGX 10 in 10 series published on 21 April 2026 and republished with permission. You can read more about Green Link Digital Bank on the SGX website.
You can also read other featured companies from SGX’s 10 in 10 series on the DollarsAndSense website.
