I go for OCBC, especially for

I go for OCBC, especially for the value released after the integration with GE. Streamlining of operation and corporate office function and a integrate suite of financial services will have more value creation for both shareholders and clients.

DBS, OCBC or UOB: Which of the Three Singapore Banks Should You Buy?

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Comments

LenaAnne
05-16
LenaAnne
Good call!
Rahul99
05-16
Rahul99
Ocbc

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{"i18n":{"language":"en_US"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":306370394910792,"tweetId":"306370394910792","gmtCreate":1715832621324,"gmtModify":1715842451072,"author":{"id":4103505618857970,"authorId":4103505618857970,"authorIdStr":"4103505618857970","name":"Tigerwong","avatar":"https://static.itradeup.com/news/117d896e04ecaa5155e012726668c759","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":3,"crmLevelSwitch":0,"currentWearingBadge":{"badgeId":"a83d7582f45846ffbccbce770ce65d84-1","templateUuid":"a83d7582f45846ffbccbce770ce65d84","name":"Real Trader","description":"Completed a transaction","bigImgUrl":"https://static.tigerbbs.com/2e08a1cc2087a1de93402c2c290fa65b","smallImgUrl":"https://static.tigerbbs.com/4504a6397ce1137932d56e5f4ce27166","grayImgUrl":"https://static.tigerbbs.com/4b22c79415b4cd6e3d8ebc4a0fa32604","redirectLinkEnabled":0,"hasAllocated":1,"isWearing":1,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2021.12.29","individualDisplayEnabled":0},"individualDisplayBadges":[],"fanSize":1,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"html":"<html><head></head><body>I go for OCBC, especially for the value released after the integration with GE. &nbsp;Streamlining of operation and corporate office function and a integrate suite of financial services will have more value creation for both shareholders and clients.</body></html>","htmlText":"<html><head></head><body>I go for OCBC, especially for the value released after the integration with GE. &nbsp;Streamlining of operation and corporate office function and a integrate suite of financial services will have more value creation for both shareholders and clients.</body></html>","text":"I go for OCBC, especially for the value released after the integration with GE. Streamlining of operation and corporate office function and a integrate suite of financial services will have more value creation for both shareholders and clients.","highlighted":1,"essential":1,"paper":1,"likeSize":26,"commentSize":2,"repostSize":2,"favoriteSize":0,"link":"https://ttm.financial/post/306370394910792","repostId":2435797687,"repostType":4,"repost":{"id":"2435797687","pubTimestamp":1715825348,"share":"https://www.laohu8.com/m/news/2435797687?lang=&edition=full","pubTime":"2024-05-16 10:09","market":"sg","language":"en","title":"DBS, OCBC or UOB: Which of the Three Singapore Banks Should You Buy?","url":"https://stock-news.laohu8.com/highlight/detail?id=2435797687","media":"The Smart Investor","summary":"It can be a tough decision to decide between the three big local banks. We simplify the decision by comparing various metrics across the lenders.","content":"<html><head></head><body>The earnings season for the first quarter of 2024 (1Q 2024) is almost over.Singapore’s three big banks have handed in their report cards in an environment of “higher-for-longer” interest rates.DBS Group (SGX: D05) was the first to report and announce a stellar set of results with net profit hitting a new record.United Overseas Bank (SGX: U11), or UOB, was next but delivered a subdued performance for 1Q 2024.OCBC Ltd (SGX: O39) was the last of the trio to announce its earnings and it, too, saw its net profit hit a new record.If you are looking for one of the banks to invest in, you are in luck.We place the three side by side to determine which is the best bank you should purchase.<h2 id=\"id_2540610619\">Financials</h2><img src=\"https://community-static.tradeup.com/news/85f16851be4b0c8deeca9534a80240be\" tg-width=\"800\" tg-height=\"276\"/>Source: Banks’ Earnings ReportsFirst off, we look at each bank’s financial performance.There was a wide spread across the trio with DBS leading the pack with a 12.6% year on year increase in total income.DBS saw its net interest income rise 8% year on year while its fee and commission income hit a new high of S$1 billion for the quarter.UOB, on the other hand, saw its total income remain flat year on year as its net interest income fell 2% year on year while fee income rose 5% year on year.For net profit, DBS is the clear winner with a near-15% year on year rise to S$2.95 billion as expenses rose less than total income.OCBC came in second place with a decent performance – its total income rose 8% year on year on the back of a 4% year-on-year increase in net interest income.OCBC managed to improve its net profit for 1Q 2024 by 5% year on year to nearly S$2 billion.Winner: DBS<h2 id=\"id_3203690406\">Loan book and net interest margin (NIM)</h2><img src=\"https://community-static.tradeup.com/news/6a0d1631d729f04a1db2678f1990e943\" tg-width=\"797\" tg-height=\"307\"/>Source: Banks’ Earnings ReportsNext, we examine each bank’s loan book and net interest margin (NIM).The three banks all reported a year-on-year rise in their loan books with the average rise being around 2%.For NIM, OCBC has the highest among the trio at 2.27% for 1Q 2024.However, investors should note that OCBC’s NIM had dipped by 0.03 percentage points from 2.3% a year ago.Its 1Q 2024 NIM was also lower than the previous quarter’s 2.29%.DBS, on the other hand, reported a slight year-on-year and quarter-on-quarter increase for its NIM, which came in at 2.14% for 1Q 2024.UOB saw the largest year-on-year NIM decline among the three banks with a 0.12 percentage point drop.OCBC still emerges as the winner as its NIM is the highest while remaining fairly stable year on year.Winner: OCBC<h2 id=\"id_2998773557\">Cost-to-income ratio (CIR)</h2><img src=\"https://community-static.tradeup.com/news/907ead3182a6e6226e65326476b63afb\" tg-width=\"800\" tg-height=\"217\"/>Source: Banks’ Earnings ReportsThe next metric to look at is each bank’s cost-to-income ratio (CIR).The CIR is the ratio of the bank’s total expenses to its total income and a lower ratio signifies that a bank has its expenses well-controlled.OCBC is once again the winner here with the lowest CIR among the three banks for 1Q 2024.However, credit should be given to DBS for improving its CIR both year-on-year and quarter-on-quarter.While UOB also saw an improvement in its CIR, it was the only bank with its CIR consistently above 40%.Winner: OCBC<h2 id=\"id_2158381337\">Non-performing loans (NPL) ratio</h2><img src=\"https://community-static.tradeup.com/news/9d0bbec405f03b498d04ff8dc494fecc\" tg-width=\"802\" tg-height=\"217\"/>Source: Banks’ Earnings ReportsMoving on to the non-performing loans (NPL) ratio, OCBC once again is the winner with the lowest NPL ratio.As a reminder, the NPL ratio measures the credit quality of a bank’s loan book.Hence, a lower NPL ratio will imply that a bank’s loan book has a lower level of problematic borrowers.Winner: OCBC<h2 id=\"id_2373484926\">Return on equity (ROE)</h2><img src=\"https://community-static.tradeup.com/news/2f645e00df00f75093db4ccab3ceacf1\" tg-width=\"801\" tg-height=\"221\"/>Source: Banks’ Earnings ReportsA bank’s return on equity measures the amount of profit generated per dollar of capital, so a higher ROE is a signal that a bank is more profitable with less capital.On this front, DBS is the clear winner with its ROE hitting an all-time high of 19.4% for 1Q 2024.DBS also saw a sharp increase of 3.2 percentage points for its ROE from the previous quarter (4Q 2023).OCBC also saw a 2.3 percentage point ROE improvement while UOB’s improvement came in at just 0.2 percentage points over the same period.Winner: DBS<h2 id=\"id_3580577200\">Valuation</h2><img src=\"https://community-static.tradeup.com/news/dafa1f900a970d465b08c1d1aaeafa2b\" tg-width=\"798\" tg-height=\"217\"/>Source: Banks’ Earnings ReportsWhen it comes to valuation, DBS is the most expensive bank of the three with a price-to-book (P/B) ratio of 1.64 times.UOB and OCBC are both valued at 1.13 times and 1.16 times P/B, respectively, making them much more affordable compared to Singapore’s largest bank.Winner: UOB<h2 id=\"id_2844377570\">Get Smart: A tough choice</h2>A clear decision is not easy in this case as both OCBC and DBS score points on different attributes.While OCBC has the highest NIM and the lowest CIR and NPL ratio, DBS scores points in raising its net profit and knocking the ball out of the park with the highest ROE.Investors need to decide which metrics are more important in their decision-making process.Another factor to consider is that DBS pays out a quarterly dividend while the other two banks only pay dividends every six months.For 1Q 2024, DBS declared an interim dividend of S$0.54 per share, a 42% increase over the prior year’s S$0.38.Attention: Investors aiming for both growth and peace of mind. We’ve pinpointed 5 SGX stocks known for consistent dividends. If you want to build a retirement portfolio, but don’t want the stress of stock watching, this report is for you. Click HERE to download now.</body></html>","source":"thesmartinvestor_highlight","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>DBS, OCBC or UOB: Which of the Three Singapore Banks Should You Buy?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ 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}\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nDBS, OCBC or UOB: Which of the Three Singapore Banks Should You Buy?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-05-16 10:09 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://thesmartinvestor.com.sg/dbs-ocbc-or-uob-which-of-the-three-singapore-banks-should-you-buy/>The Smart Investor</a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\nThe earnings season for the first quarter of 2024 (1Q 2024) is almost over.Singapore’s three big banks have handed in their report cards in an environment of “higher-for-longer” interest rates.DBS ...\n\n<a href=\"https://thesmartinvestor.com.sg/dbs-ocbc-or-uob-which-of-the-three-singapore-banks-should-you-buy/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LU0588545730.USD":"EASTSPRING INVESTMENTS ASIAN EQUITY INCOME \"ADM\" (USD) INC","LU1048596156.SGD":"Blackrock Asian Growth Leaders A2 SGD-H","LU0762540952.USD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED INCOME \"AC\" (USD) ACC","LU0414403682.SGD":"Blackrock Asia Pacific Equity Income A5 SGD-H","SG9999001689.USD":"施罗德亚洲成长股票","SG9999002620.SGD":"LionGlobal South East Asia SGD","SG9999000327.SGD":"Schroder Asian Growth A Dis SGD","LU1497734951.SGD":"Eastspring Investments - Asian Low Volatility Equity Fund ASDM SGD-H","LU0738912210.USD":"Blackrock Asia Pacific Equity Income A6 USD","U11.SI":"大华银行","LU1634259391.SGD":"Eastspring Investments - Asian Low Volatility Equity Fund AS SGD","LU0210637038.USD":"HSBC GIF THAI EQUITY \"AD\" INC","LU0588545904.SGD":"Eastspring Investments - Asian Equity Income ASDM SGD","SG9999004360.SGD":"Nikko AM Shenton Thrift Fund SGD","SG9999002604.SGD":"LionGlobal Singapore/Malaysia SGD","LU1064131342.USD":"Fullerton Lux Funds - Global Absolute Alpha A Acc USD","LU0128522157.USD":"TEMPLETON ASIAN GROWTH \"A\" ACC","SG9999008742.SGD":"Eastspring Investments Unit Trusts - Singapore ASEAN Equity SGD","LU1634259557.SGD":"Eastspring Investments - Asian Low Volatility Equity Fund AS SGD-H","LU0029875118.USD":"TEMPLETON ASIAN GROWTH \"A\" INC","BK6516":"银行与投资服务概念","LU0577902371.SGD":"FULLERTON LUX FUNDS - ASIA GROWTH & INCOME EQUITIE \"I\" (SGD) ACC","SG9999016042.SGD":"Schroder Singapore Trust A Acc SGD","LU0048573645.USD":"富达东盟基金","LU0084288322.USD":"Natixis Asia Equity RD USD","LU2257852520.SGD":"JPMorgan Funds - Asia Growth A (acc) SGD","BK6523":"ESG概念","LU0979878070.USD":"FULLERTON LUX FUNDS - ASIA ABSOLUTE ALPHA \"A\" (USD) ACC","LU0384037296.USD":"ALLIANZ ASIAN MULTI INCOME PLUS \"AT\" (USD) ACC","BK4161":"工业机械","LU0898667661.SGD":"JPMorgan Funds - Asia Pacific Income A (mth) SGD-H","LU0048597586.USD":"富达亚洲焦点A","LU1988902786.USD":"FULLERTON LUX FUNDS GLOBAL ABSOLUTE ALPHA \"I\" (USD) ACC","D05.SI":"星展集团控股","LU0315178854.USD":"EASTSPRING INVESTMENTS ASIAN EQUITY INCOME \"A\" ACC","O39.SI":"华侨银行","LU0516423174.USD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (USD) ACC","SG9999000343.SGD":"Schroder Singapore Trust A Dis SGD","SG9999005177.SGD":"Legg Mason Martin Currie - Southeast Asia Trust A Acc SGD","LU0821914370.USD":"贝莱德亚洲成长领袖A2","LU0831093199.SGD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED INCOME \"AM3\" (SGDHDG) INC","LU0516423091.SGD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (SGD) ACC","SGXZ58947870.SGD":"LIONGLOBAL SINGAPORE DIVIDEND EQUITY (SGDHDG) INC","LU0181495838.USD":"施罗德新兴亚洲A Acc","LU0488056044.USD":"Allianz Asian Multi Income Plus Cl AM DIS USD","LU0831103253.SGD":"JPMorgan Funds - Asia Pacific Income A (mth) SGD"},"source_url":"https://thesmartinvestor.com.sg/dbs-ocbc-or-uob-which-of-the-three-singapore-banks-should-you-buy/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2435797687","content_text":"The earnings season for the first quarter of 2024 (1Q 2024) is almost over.Singapore’s three big banks have handed in their report cards in an environment of “higher-for-longer” interest rates.DBS Group (SGX: D05) was the first to report and announce a stellar set of results with net profit hitting a new record.United Overseas Bank (SGX: U11), or UOB, was next but delivered a subdued performance for 1Q 2024.OCBC Ltd (SGX: O39) was the last of the trio to announce its earnings and it, too, saw its net profit hit a new record.If you are looking for one of the banks to invest in, you are in luck.We place the three side by side to determine which is the best bank you should purchase.FinancialsSource: Banks’ Earnings ReportsFirst off, we look at each bank’s financial performance.There was a wide spread across the trio with DBS leading the pack with a 12.6% year on year increase in total income.DBS saw its net interest income rise 8% year on year while its fee and commission income hit a new high of S$1 billion for the quarter.UOB, on the other hand, saw its total income remain flat year on year as its net interest income fell 2% year on year while fee income rose 5% year on year.For net profit, DBS is the clear winner with a near-15% year on year rise to S$2.95 billion as expenses rose less than total income.OCBC came in second place with a decent performance – its total income rose 8% year on year on the back of a 4% year-on-year increase in net interest income.OCBC managed to improve its net profit for 1Q 2024 by 5% year on year to nearly S$2 billion.Winner: DBSLoan book and net interest margin (NIM)Source: Banks’ Earnings ReportsNext, we examine each bank’s loan book and net interest margin (NIM).The three banks all reported a year-on-year rise in their loan books with the average rise being around 2%.For NIM, OCBC has the highest among the trio at 2.27% for 1Q 2024.However, investors should note that OCBC’s NIM had dipped by 0.03 percentage points from 2.3% a year ago.Its 1Q 2024 NIM was also lower than the previous quarter’s 2.29%.DBS, on the other hand, reported a slight year-on-year and quarter-on-quarter increase for its NIM, which came in at 2.14% for 1Q 2024.UOB saw the largest year-on-year NIM decline among the three banks with a 0.12 percentage point drop.OCBC still emerges as the winner as its NIM is the highest while remaining fairly stable year on year.Winner: OCBCCost-to-income ratio (CIR)Source: Banks’ Earnings ReportsThe next metric to look at is each bank’s cost-to-income ratio (CIR).The CIR is the ratio of the bank’s total expenses to its total income and a lower ratio signifies that a bank has its expenses well-controlled.OCBC is once again the winner here with the lowest CIR among the three banks for 1Q 2024.However, credit should be given to DBS for improving its CIR both year-on-year and quarter-on-quarter.While UOB also saw an improvement in its CIR, it was the only bank with its CIR consistently above 40%.Winner: OCBCNon-performing loans (NPL) ratioSource: Banks’ Earnings ReportsMoving on to the non-performing loans (NPL) ratio, OCBC once again is the winner with the lowest NPL ratio.As a reminder, the NPL ratio measures the credit quality of a bank’s loan book.Hence, a lower NPL ratio will imply that a bank’s loan book has a lower level of problematic borrowers.Winner: OCBCReturn on equity (ROE)Source: Banks’ Earnings ReportsA bank’s return on equity measures the amount of profit generated per dollar of capital, so a higher ROE is a signal that a bank is more profitable with less capital.On this front, DBS is the clear winner with its ROE hitting an all-time high of 19.4% for 1Q 2024.DBS also saw a sharp increase of 3.2 percentage points for its ROE from the previous quarter (4Q 2023).OCBC also saw a 2.3 percentage point ROE improvement while UOB’s improvement came in at just 0.2 percentage points over the same period.Winner: DBSValuationSource: Banks’ Earnings ReportsWhen it comes to valuation, DBS is the most expensive bank of the three with a price-to-book (P/B) ratio of 1.64 times.UOB and OCBC are both valued at 1.13 times and 1.16 times P/B, respectively, making them much more affordable compared to Singapore’s largest bank.Winner: UOBGet Smart: A tough choiceA clear decision is not easy in this case as both OCBC and DBS score points on different attributes.While OCBC has the highest NIM and the lowest CIR and NPL ratio, DBS scores points in raising its net profit and knocking the ball out of the park with the highest ROE.Investors need to decide which metrics are more important in their decision-making process.Another factor to consider is that DBS pays out a quarterly dividend while the other two banks only pay dividends every six months.For 1Q 2024, DBS declared an interim dividend of S$0.54 per share, a 42% increase over the prior year’s S$0.38.Attention: Investors aiming for both growth and peace of mind. We’ve pinpointed 5 SGX stocks known for consistent dividends. If you want to build a retirement portfolio, but don’t want the stress of stock watching, this report is for you. Click HERE to download now.","news_type":1},"isVote":1,"tweetType":1,"viewCount":490,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":["O39.SI"],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"upFlag":true,"length":207,"xxTargetLangEnum":"ORIG"},"commentList":[{"id":306540363444248,"gmtCreate":1715842764252,"gmtModify":1715948659037,"authorId":9000000000000512,"author":{"id":9000000000000512,"authorId":9000000000000512,"name":"LenaAnne","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":8,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":306370394910792,"type":1,"supId":0,"prevId":0,"content":"Good call!","text":"Good call!","html":"Good call!","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"invalid","coins":0,"score":0},{"id":306647843614744,"gmtCreate":1715869004525,"gmtModify":1715869009264,"authorId":4091162602169930,"author":{"id":4091162602169930,"authorId":4091162602169930,"name":"Rahul99","avatar":"https://static.tigerbbs.com/a07d379f166c0adb73b455a6ea6666f3","vip":1,"currentWearingBadge":{"badgeId":"7a9f168ff73447fe856ed6c938b61789-1","templateUuid":"7a9f168ff73447fe856ed6c938b61789","name":"Knowledgeable Investor","description":"Traded more than 10 stocks","bigImgUrl":"https://static.tigerbbs.com/e74cc24115c4fbae6154ec1b1041bf47","smallImgUrl":"https://static.tigerbbs.com/d48265cbfd97c57f9048db29f22227b0","grayImgUrl":"https://static.tigerbbs.com/76c6d6898b073c77e1c537ebe9ac1c57","redirectLinkEnabled":0,"hasAllocated":1,"isWearing":1,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2023.08.11","individualDisplayEnabled":0,"individualDisplaySort":0,"categoryType":1102},"crmLevel":2,"crmLevelSwitch":1,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":306370394910792,"type":1,"supId":0,"prevId":0,"content":"Ocbc","text":"Ocbc","html":"Ocbc","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"invalid","coins":0,"score":0}],"isCommentEnd":false,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/306370394910792"}