Why are the prices so low huh!

2023-05-17

Why are the prices so low huh!?

This time, we're referring to the local trio banks which produce amazing financial gains and record profits. Is this flute?

In my opinion and analysis of their financial records and historical performance, they're NOT.

All 3 banks possess prudent management skills as well as strategic foresight as they work efficiently both at home and in the region they know best and any expansion outside familiar grounds is threaded cautiously to the benefits of us - the investors big or small.

They operate differently from their US counterparts and think long term instead of short term and riskier endeavours which are proven wrong in recent financial banking crisis in the US, albeit the small and medium regional banks.

In conclusion, it's astonishingly amazing that at this time there's low hanging fruits (local banks) for our pickings not just cherry picking among the 3. I'll take all 3 and wait for the markets to react accordingly. Good luck 🤞

DBS, OCBC and UOB All Reported Record Earnings: Which Bank Qualifies as the Best Pick?

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

intheloop
2023-05-17
intheloop
wow...if the budget is allowed, truly support "the conviction of taking all 3"
SnakeToad
2023-05-17
SnakeToad
im guessing is the negative press for dbs due to their ebanking problem? by right the drop should be temporary

but i dunno how to cough up $3000+ to buy into dbs [Cry]
HuatRocket
2023-05-17
HuatRocket
Why $3000 u cant cough? What makes u think it not worth for u to buy dbs now?
jayc
2023-05-18
jayc
👍
VivianChua
2023-05-17
VivianChua
ok

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Is this flute?\nIn my opinion and analysis of their financial records and historical performance, they're NOT.\nAll 3 banks possess prudent management skills as well as strategic foresight as they work efficiently both at home and in the region they know best and any expansion outside familiar grounds is threaded cautiously to the benefits of us - the investors big or small.\nThey operate differently from their&nbsp;US counterparts and think long term instead of short term and riskier endeavours which are proven wrong in recent financial banking crisis in the US, albeit the small and medium regional banks.\nIn conclusion, it's astonishingly amazing that at this time there's low hanging fruits (local banks) for our pickings not just cherry picking&nbsp; among the 3. I'll take all 3 and wait for the markets to react accordingly. Good luck 🤞\n \n </body></html>","htmlText":"<html><head></head><body>Why are the prices so low huh!?&nbsp;\nThis time, we're referring to the local trio banks which produce amazing financial gains and record profits. Is this flute?\nIn my opinion and analysis of their financial records and historical performance, they're NOT.\nAll 3 banks possess prudent management skills as well as strategic foresight as they work efficiently both at home and in the region they know best and any expansion outside familiar grounds is threaded cautiously to the benefits of us - the investors big or small.\nThey operate differently from their&nbsp;US counterparts and think long term instead of short term and riskier endeavours which are proven wrong in recent financial banking crisis in the US, albeit the small and medium regional banks.\nIn conclusion, it's astonishingly amazing that at this time there's low hanging fruits (local banks) for our pickings not just cherry picking&nbsp; among the 3. I'll take all 3 and wait for the markets to react accordingly. Good luck 🤞\n \n </body></html>","text":"Why are the prices so low huh!? This time, we're referring to the local trio banks which produce amazing financial gains and record profits. Is this flute? In my opinion and analysis of their financial records and historical performance, they're NOT. All 3 banks possess prudent management skills as well as strategic foresight as they work efficiently both at home and in the region they know best and any expansion outside familiar grounds is threaded cautiously to the benefits of us - the investors big or small. They operate differently from their US counterparts and think long term instead of short term and riskier endeavours which are proven wrong in recent financial banking crisis in the US, albeit the small and medium regional banks. In conclusion, it's astonishingly amazing that at this time there's low hanging fruits (local banks) for our pickings not just cherry picking among the 3. I'll take all 3 and wait for the markets to react accordingly. Good luck 🤞","highlighted":1,"essential":2,"paper":1,"likeSize":253,"commentSize":5,"repostSize":5,"favoriteSize":0,"link":"https://ttm.financial/post/9970862056","repostId":2336334291,"repostType":4,"repost":{"id":"2336334291","pubTimestamp":1684287551,"share":"https://www.laohu8.com/m/news/2336334291?lang=&edition=full","pubTime":"2023-05-17 09:39","market":"sg","language":"en","title":"DBS, OCBC and UOB All Reported Record Earnings: Which Bank Qualifies as the Best Pick?","url":"https://stock-news.laohu8.com/highlight/detail?id=2336334291","media":"The Smart Investor","summary":"We size up the trio of local banks after their recent earnings period to tease out which qualifies as the best investment.","content":"<html><head></head><body>The trio of local banks have been a big beneficiary of surging interest rates as the US Federal Reserve began its aggressive rate hikes in March 2022.Back then, no one thought that over the next year, the central bank would embark on one of its most aggressive interest-rate increases in history to combat inflation.<a href=\"https://laohu8.com/S/U11.SI\">United Overseas Bank Ltd</a>, or UOB, was the first to hand in its report card, where it announced a record net profit of S$1.6 billion.Next, <a href=\"https://laohu8.com/S/D05.SI\">DBS Group</a> turned in a similarly-stellar earnings report for fiscal 2023’s first quarter (1Q 2023) with a historical net profit of S$2.57 billion.Not to be outdone, <a href=\"https://laohu8.com/S/O39.SI\">OCBC Ltd</a> followed up with its record net profit of S$1.88 billion, being the last of the three banks to report its results.With all three blue-chip banks reporting impressive sets of earnings, it can be tough to decide on which bank to add to your buy watchlist.We sized up all three banks to review their latest numbers and determine which qualifies as the best investment idea.<h2>Financials</h2><img src=\"https://static.tigerbbs.com/b3c37d52fad6b528bbb2355b2ba4f571\" tg-width=\"796\" tg-height=\"273\"/>Looking at the financials angle, all three banks posted higher total income as their results were strongly boosted by a surge in net interest income.Profit before allowances also surged in all three cases as the rise in expenses was dwarfed by the sharp jump in total income.The result? A strong year on year net profit growth for all three banks allowed them to record historic levels of net profit.Looking at the percentage increases, UOB is the winner in this round as total income, profit before allowance, and net profit all increased at the fastest pace among the trio.This outstanding performance may also be tied to its recent acquisition of Citigroup’s (NYSE: C) consumer banking division which is now being slowly integrated into the group’s results.Winner: UOB<h2>NIMs and loan growth</h2><img src=\"https://static.tigerbbs.com/fbf49b7039501c051e2e50d97e83d4f8\" tg-width=\"795\" tg-height=\"302\"/>Moving on to the net interest margin (NIM), the surge in interest rates has helped to lift all three banks’ NIM to above 2%, levels that have not been seen in a while.Although DBS Group has the lowest NIM of the three, it was the only bank to have displayed quarter-on-quarter growth in NIM, going from 2.05% to 2.12%.The other two banks saw NIM dip slightly. UOB’s NIM fell by 0.08 percentage points to 2.14% from 4Q 2022 while OCBC’s slid just 0.01 percentage points to 2.3%.This slight dip suggests that NIMs may have peaked for both UOB and OCBC, while there may still be some NIM upside for DBS Group.For loan growth, all three banks displayed relatively flat loan growth but DBS Group takes the cake here with a 0.2% year on year increase in its loan book.Winner: DBS Group<h2>Cost-to-income ratio</h2><img src=\"https://static.tigerbbs.com/08185760a098096c9c0f333e2a15c9b7\" tg-width=\"797\" tg-height=\"216\"/>The cost-to-income ratio measures how efficiently a bank is run by comparing its expenses base to its total income.OCBC has shown an amazing ability to reduce its cost base with its cost-to-income ratio jumping from 43.3% in 4Q 2022 to 37.1%, making it the lowest among the three.It was also the largest improvement among the trio on a year on year basis as OCBC’s cost-to-income ratio stood at 45.6% in 1Q 2022.Winner: OCBC<h2>Return on equity</h2><img src=\"https://static.tigerbbs.com/5528ae35723aa3b6ce81b623921f61e4\" tg-width=\"795\" tg-height=\"215\"/>Next, we look at the important return on equity (ROE) metric that measures the profitability of each bank relative to its equity base.DBS easily takes the trophy here with an ROE of 18.6%, with UOB and OCBC coming in relatively close to each other at 14.9% and 14.7%, respectively.It should be noted that DBS’s ROE was already the highest in the prior quarter (4Q 2022) at 17.2%), but it has continued to maintain its lead as we head into 1Q 2023.Winner: DBS Group<h2>Non-performing loans (NPL) ratio</h2><img src=\"https://static.tigerbbs.com/dcdda4a7ffe6a70f02d20870680da4b4\" tg-width=\"796\" tg-height=\"213\"/>As higher interest rates tend to dampen consumer spending and raise the probability of bad loans, we took a look at each bank’s non-performing loans (NPL) ratio.DBS also comes up as the winner here with a consistently low NPL ratio of 1.1% which is down from the prior year’s 1.3%.OCBC also fared well by reducing its NPL ratio to be on par with DBS Group, but its prior 4Q 2022’s NPL ratio was slightly higher than DBS at 1.2%.Winner: DBS Group<h2>Valuation</h2><img src=\"https://static.tigerbbs.com/eec59818676937afeff0b79c8877ddca\" tg-width=\"797\" tg-height=\"217\"/>An analysis of the three banks would not be complete without a look at their valuations.Based on the price-to-book (P/B) for each bank, OCBC once again emerges as the cheapest of the trio at just 1.06 P/B.DBS is, as usual, the most expensive once again at 1.45 P/B while UOB is sandwiched in the middle with a 1.11 P/B.Winner: OCBC<h2 style=\"text-align: start;\">Get Smart: Other considerations</h2>It seems DBS has won this round with three attributes coming up tops, compared with two for OCBC and one for UOB.Of course, investors need to consider other factors too when evaluating all three lenders.For instance, DBS Group also pays out a quarterly dividend of S$0.42 per share.Income-seeking investors could view this aspect favourably when considering which bank to buy as Singapore’s largest bank is the only bank to dole out quarterly dividends.</body></html>","source":"thesmartinvestor_highlight","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; 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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 and UOB All Reported Record Earnings: Which Bank Qualifies as the Best Pick?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-05-17 09:39 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://thesmartinvestor.com.sg/dbs-ocbc-and-uob-all-reported-record-earnings-which-bank-qualifies-as-the-best-pick/>The Smart Investor</a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\nThe trio of local banks have been a big beneficiary of surging interest rates as the US Federal Reserve began its aggressive rate hikes in March 2022.Back then, no one thought that over the next year,...\n\n<a href=\"https://thesmartinvestor.com.sg/dbs-ocbc-and-uob-all-reported-record-earnings-which-bank-qualifies-as-the-best-pick/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://thesmartinvestor.com.sg/dbs-ocbc-and-uob-all-reported-record-earnings-which-bank-qualifies-as-the-best-pick/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2336334291","content_text":"The trio of local banks have been a big beneficiary of surging interest rates as the US Federal Reserve began its aggressive rate hikes in March 2022.Back then, no one thought that over the next year, the central bank would embark on one of its most aggressive interest-rate increases in history to combat inflation.United Overseas Bank Ltd, or UOB, was the first to hand in its report card, where it announced a record net profit of S$1.6 billion.Next, DBS Group turned in a similarly-stellar earnings report for fiscal 2023’s first quarter (1Q 2023) with a historical net profit of S$2.57 billion.Not to be outdone, OCBC Ltd followed up with its record net profit of S$1.88 billion, being the last of the three banks to report its results.With all three blue-chip banks reporting impressive sets of earnings, it can be tough to decide on which bank to add to your buy watchlist.We sized up all three banks to review their latest numbers and determine which qualifies as the best investment idea.FinancialsLooking at the financials angle, all three banks posted higher total income as their results were strongly boosted by a surge in net interest income.Profit before allowances also surged in all three cases as the rise in expenses was dwarfed by the sharp jump in total income.The result? A strong year on year net profit growth for all three banks allowed them to record historic levels of net profit.Looking at the percentage increases, UOB is the winner in this round as total income, profit before allowance, and net profit all increased at the fastest pace among the trio.This outstanding performance may also be tied to its recent acquisition of Citigroup’s (NYSE: C) consumer banking division which is now being slowly integrated into the group’s results.Winner: UOBNIMs and loan growthMoving on to the net interest margin (NIM), the surge in interest rates has helped to lift all three banks’ NIM to above 2%, levels that have not been seen in a while.Although DBS Group has the lowest NIM of the three, it was the only bank to have displayed quarter-on-quarter growth in NIM, going from 2.05% to 2.12%.The other two banks saw NIM dip slightly. UOB’s NIM fell by 0.08 percentage points to 2.14% from 4Q 2022 while OCBC’s slid just 0.01 percentage points to 2.3%.This slight dip suggests that NIMs may have peaked for both UOB and OCBC, while there may still be some NIM upside for DBS Group.For loan growth, all three banks displayed relatively flat loan growth but DBS Group takes the cake here with a 0.2% year on year increase in its loan book.Winner: DBS GroupCost-to-income ratioThe cost-to-income ratio measures how efficiently a bank is run by comparing its expenses base to its total income.OCBC has shown an amazing ability to reduce its cost base with its cost-to-income ratio jumping from 43.3% in 4Q 2022 to 37.1%, making it the lowest among the three.It was also the largest improvement among the trio on a year on year basis as OCBC’s cost-to-income ratio stood at 45.6% in 1Q 2022.Winner: OCBCReturn on equityNext, we look at the important return on equity (ROE) metric that measures the profitability of each bank relative to its equity base.DBS easily takes the trophy here with an ROE of 18.6%, with UOB and OCBC coming in relatively close to each other at 14.9% and 14.7%, respectively.It should be noted that DBS’s ROE was already the highest in the prior quarter (4Q 2022) at 17.2%), but it has continued to maintain its lead as we head into 1Q 2023.Winner: DBS GroupNon-performing loans (NPL) ratioAs higher interest rates tend to dampen consumer spending and raise the probability of bad loans, we took a look at each bank’s non-performing loans (NPL) ratio.DBS also comes up as the winner here with a consistently low NPL ratio of 1.1% which is down from the prior year’s 1.3%.OCBC also fared well by reducing its NPL ratio to be on par with DBS Group, but its prior 4Q 2022’s NPL ratio was slightly higher than DBS at 1.2%.Winner: DBS GroupValuationAn analysis of the three banks would not be complete without a look at their valuations.Based on the price-to-book (P/B) for each bank, OCBC once again emerges as the cheapest of the trio at just 1.06 P/B.DBS is, as usual, the most expensive once again at 1.45 P/B while UOB is sandwiched in the middle with a 1.11 P/B.Winner: OCBCGet Smart: Other considerationsIt seems DBS has won this round with three attributes coming up tops, compared with two for OCBC and one for UOB.Of course, investors need to consider other factors too when evaluating all three lenders.For instance, DBS Group also pays out a quarterly dividend of S$0.42 per share.Income-seeking investors could view this aspect favourably when considering which bank to buy as Singapore’s largest bank is the only bank to dole out quarterly dividends.","news_type":1},"isVote":1,"tweetType":1,"viewCount":2793,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":["O39.SI","D05.SI","U11.SI"],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":814,"xxTargetLangEnum":"ORIG"},"commentList":[{"id":106362884,"commentId":"106362884","gmtCreate":1684293256955,"gmtModify":1684293263193,"authorId":3581913907580043,"author":{"id":3581913907580043,"idStr":"3581913907580043","authorId":3581913907580043,"name":"intheloop","avatar":"https://community-static.tradeup.com/news/0440d365884f85bd3a3792f94213953b","vip":1,"crmLevel":3,"crmLevelSwitch":1,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":9970862056,"objectIdStr":"9970862056","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"wow...if the budget is allowed,&nbsp; truly support \"the conviction of taking all 3\"","text":"wow...if the budget is allowed,&nbsp; truly support \"the conviction of taking all 3\"","html":"wow...if the budget is allowed,&nbsp; truly support \"the conviction of taking all 3\"","likeSize":1,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"hot","coins":0,"score":0},{"id":106362887,"commentId":"106362887","gmtCreate":1684293750542,"gmtModify":1684293753905,"authorId":4109835253470190,"author":{"id":4109835253470190,"idStr":"4109835253470190","authorId":4109835253470190,"name":"SnakeToad","avatar":"https://community-static.tradeup.com/news/b99cfe4b0a492018c40761a39a193aa8","vip":1,"crmLevel":4,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":9970862056,"objectIdStr":"9970862056","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"im guessing is the negative press for dbs due to their ebanking problem? by right the drop should be temporary \nbut i dunno how to cough up $3000+ to buy into dbs [Cry]","text":"im guessing is the negative press for dbs due to their ebanking problem? by right the drop should be temporary \nbut i dunno how to cough up $3000+ to buy into dbs [Cry]","html":"im guessing is the negative press for dbs due to their ebanking problem? by right the drop should be temporary \nbut i dunno how to cough up $3000+ to buy into dbs [Cry]","likeSize":1,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"hot","coins":0,"score":0},{"id":106363721,"commentId":"106363721","gmtCreate":1684336750015,"gmtModify":1684336753318,"authorId":3573684056944075,"author":{"id":3573684056944075,"idStr":"3573684056944075","authorId":3573684056944075,"name":"HuatRocket","avatar":"https://community-static.tradeup.com/news/96f83f4d280b89b81386745f0a7b9d8d","vip":1,"currentWearingBadge":{"badgeId":"9427a906234c4b18a82ec3d7730b7fa8-1","templateUuid":"9427a906234c4b18a82ec3d7730b7fa8","name":"Star Contributor","description":"Have published 3 or more picked posts, and have published at least one picked post and participated in comments within 30 days","bigImgUrl":"https://community-static.tradeup.com/news/1866dcf97a73be1c330f85862546aedc","smallImgUrl":"https://community-static.tradeup.com/news/4f5c5fa8e2c7683bb5a7fce8753ee456","redirectLinkEnabled":1,"redirectLink":"https://ttm.financial/activity/market/2023/star-contributors/","hasAllocated":1,"isWearing":1,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2023.10.18","individualDisplayEnabled":0,"individualDisplaySort":0,"categoryType":2007},"hat":"https://static.tigerbbs.com/b0a2963eb37c60c5d6d4a8dbcd266952","crmLevel":3,"crmLevelSwitch":1,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":9970862056,"objectIdStr":"9970862056","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"Why $3000 u cant cough? What makes u think it not worth for u to buy dbs now?","text":"Why $3000 u cant cough? What makes u think it not worth for u to buy dbs now?","html":"Why $3000 u cant cough? 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