Talking about the 3 biggest components in Singapore SGX. DBS, UOB, and OCBC form Singapore'd "big three" banks — all profitable, well-capitalized, and regionally significant. However, DBS stands apart in terms of scale, digital leadership, and regional execution.

Let's talk about firstly Dbs total assets - the largest in Singapore and among the largest in Asia.

Next to focus will be based on ROE. Staying consistently at  ~18%. An incredible record among her peers, driven by rising net interest margins, digital scalability, and wealth management gains.

Another will be the Dividend Yield: Attractive and rising — ~6%+ with strong payout commitment. Easily beating the other 2 major banks hands down.

DBS is widely regarded as a global leader in banking digitization. Significant non-interest income, especially from high-net-worth (HNWI) clients across the region. Strong early investment in AI (e.g. AI engines for customer targeting) and data analytics gives them an edge in credit scoring, product design, and efficiency.

Now let's talk about UOB.

UOB is the most conservative and disciplined being strong in SME and property-backed lending. However, it has lower non-interest income % than DBS. Their digital capabilities not as advanced as DBS and tend to progress much slower and conservatively. Their risk-averse culture slows product innovation.

Now let's focus on the next bank OCBC.

It has the most diversified among the three due to Great Eastern Holdings (insurance arm) and Bank of Singapore (private bank). Strong presence in Greater China, Malaysia, and wealth management. ROE is only at a lower band 13 to 14% but steadily improving. 

It is still largely lagging behind DBS in AI/data integration and customer personalization. Another point is their less aggressive  approach in regional M&A.

From the evidences and pointers above, DBS remains the gold standard. Think of it as a "tech-driven Asian JP Morgan" with aggressive yet disciplined expansion. So it is also fair that DBS priced as a premium for a reason. 

My Final view on it is they are unlikely to catch up in overall scale, profitability, and tech leadership. Their gap certainly too big to catchup in a short time or the near future especially so for DBS being very driven in their AI/digital adoption and marketing strategy.