“My contractors, my bank, my clients; these are my partners whom I count on for support. Even through the 1998 crisis, SARS and the current downturn, my bank has stood by me.”

Teamwork is something Joe understands very well. By working with his external partners and clients as if they are part of his own team, they have come to understand how he runs his business. This also helped to create a sizeable body of quality partners, who in turn help bring in new ones.

Joe's belief in fostering a true spirit of teamwork at every stage of his business has helped Germaxco to grow rapidly since its inception in 1993.

“I was lucky to have the opportunity to work with a great DBS team. They really listened to me and believed in my vision and help us to grow from the very beginning. They identified with my business vision and worked as if they were my employees and my partners.”

More importantly, DBS was able to show Joe that it wanted to earn his trust and to be part of his long term plans. For him, such loyalty from a bank is uncommon and he greatly appreciated it.

Read on to find out how Joe put his people over profits