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2025-08-08

I wouldn't invest in a company who pocketed the record earnings as bonuses yet dividend remains the same

SIA Tumbles 4%; Singapore Airlines is Encountering Turbulent Skies: Can the Carrier Recover?

2025-05-21

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Nomura Upgrades Singapore Airlines to Buy From Neutral, Adjusts Price Target to SG$8.04 From SG$6.75

01-21

When made record earnings for 2 consecutive years why no use to pay back loans but take all for bonuses?

Singapore Airlines Launches 10-Year Singapore Dollar Notes At 2.95%

01-10

$CRITICAL METALS CORPORATION(CRML)$

2025-10-23

DBS

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2025-01-06

$Destiny Tech100 Inc(DXYZ)$

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made record earnings for 2 consecutive years why no use to pay back loans but take all for bonuses?","listText":"When made record earnings for 2 consecutive years why no use to pay back loans but take all for bonuses?","text":"When made record earnings for 2 consecutive years why no use to pay back loans but take all for bonuses?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/524149449445680","repostId":"2604168360","repostType":2,"repost":{"id":"2604168360","kind":"highlight","weMediaInfo":{"introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and 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Proceeds will be used for aircraft purchases and related payments, and for general corporate or working capital purposes, including refinancing existing borrowings, the sheet showed.The bonds pay interest semi-annually, with the first coupon due July 30, 2026, and mature on January 30, 2036. DBS DBSM.SI, OCBC OCBC.SI and United Overseas Bank UOBH.SI are joint global coordinators. Standard Chartered Bank STAN.L joins them as a joint lead manager and bookrunner.  ","content":"<html xmlns=\"http://www.w3.org/1999/xhtml\"><head><title><a href=\"https://laohu8.com/S/SINGF\">Singapore Airlines</a> launches 10-year Singapore dollar notes at 2.95% </title></head><body><p><span>SINGAPORE, Jan 20 (Reuters)</span><span> - </span>Singapore&#39;s national carrier, <a href=\"https://laohu8.com/S/SINGY\">Singapore Airlines</a> Ltd <span>SIAL.SI</span>, has launched a 10-year Singapore dollar senior note offering with initial price guidance at around 2.95%, a term sheet showed on Tuesday.</p><p>The notes are direct, unconditional, unsubordinated and unsecured obligations of the carrier and will be issued under its S$10 billion ($7.78 billion) multi-currency medium-term note programme, according to the sheet. </p><p>Proceeds will be used for aircraft purchases and related payments, and for general corporate or working capital purposes, including refinancing existing borrowings, the sheet showed.</p><p>The bonds pay interest semi-annually, with the first coupon due July 30, 2026, and mature on January 30, 2036. </p><p>DBS <span>DBSM.SI</span>, OCBC <span>OCBC.SI</span> and <a href=\"https://laohu8.com/S/UOVEF\">United Overseas</a> Bank <span>UOBH.SI</span> are joint global coordinators. Standard Chartered Bank <span>STAN.L</span> joins them as a joint lead manager and bookrunner.</p><p>($1 = 1.2853 Singapore dollars)</p><p> (Reporting by Yantoultra Ngui; Editing by Christian Schmollinger)</p><p> ((Yantoultra.Ngui@thomsonreuters.com;))</p></body></html>","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>Singapore Airlines Launches 10-Year Singapore Dollar Notes At 2.95%</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{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\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\">\nSingapore Airlines Launches 10-Year Singapore Dollar Notes At 2.95%\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1032215980\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time\">2026-01-20 10:55</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html xmlns=\"http://www.w3.org/1999/xhtml\"><head><title><a href=\"https://laohu8.com/S/SINGF\">Singapore Airlines</a> launches 10-year Singapore dollar notes at 2.95% </title></head><body><p><span>SINGAPORE, Jan 20 (Reuters)</span><span> - </span>Singapore&#39;s national carrier, <a href=\"https://laohu8.com/S/SINGY\">Singapore Airlines</a> Ltd <span>SIAL.SI</span>, has launched a 10-year Singapore dollar senior note offering with initial price guidance at around 2.95%, a term sheet showed on Tuesday.</p><p>The notes are direct, unconditional, unsubordinated and unsecured obligations of the carrier and will be issued under its S$10 billion ($7.78 billion) multi-currency medium-term note programme, according to the sheet. </p><p>Proceeds will be used for aircraft purchases and related payments, and for general corporate or working capital purposes, including refinancing existing borrowings, the sheet showed.</p><p>The bonds pay interest semi-annually, with the first coupon due July 30, 2026, and mature on January 30, 2036. </p><p>DBS <span>DBSM.SI</span>, OCBC <span>OCBC.SI</span> and <a href=\"https://laohu8.com/S/UOVEF\">United Overseas</a> Bank <span>UOBH.SI</span> are joint global coordinators. Standard Chartered Bank <span>STAN.L</span> joins them as a joint lead manager and bookrunner.</p><p>($1 = 1.2853 Singapore dollars)</p><p> (Reporting by Yantoultra Ngui; Editing by Christian Schmollinger)</p><p> ((Yantoultra.Ngui@thomsonreuters.com;))</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LU0048573645.USD":"富达东盟基金","LU1282649810.SGD":"Allianz Asian Multi Income Plus Cl AMg DIS H2-SGD","SGXZ58947870.SGD":"LIONGLOBAL SINGAPORE DIVIDEND EQUITY (SGDHDG) INC","LU1863844749.USD":"TEMPLETON EUROLAND \"A\" (USD) INC","IE00BKZH1Z71.USD":"BNY MELLON ASIAN INCOME \"B\" (USD) ACC","BK6523":"ESG概念","LU1668664300.SGD":"Blackrock World Financials A2 SGD-H","LU0762540952.USD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED INCOME \"AC\" (USD) ACC","LU0823038988.USD":"AMUNDI FUNDS ASIA EQUITY FOCUS  \"A2\" (USD) ACC","LU0348816934.USD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"AT\" (USD)","LU0823039010.USD":"AMUNDI FUNDS ASIA EQUITY FOCUS  \"A2\" (USD) INC","LU1206712785.SGD":"Aviva Investors - 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Proceeds will be used for aircraft purchases and related payments, and for general corporate or working capital purposes, including refinancing existing borrowings, the sheet showed.The bonds pay interest semi-annually, with the first coupon due July 30, 2026, and mature on January 30, 2036. DBS DBSM.SI, OCBC OCBC.SI and United Overseas Bank UOBH.SI are joint global coordinators. Standard Chartered Bank STAN.L joins them as a joint lead manager and bookrunner.($1 = 1.2853 Singapore dollars) (Reporting by Yantoultra Ngui; Editing by Christian Schmollinger) ((Yantoultra.Ngui@thomsonreuters.com;))","news_type":1,"symbols_score_info":{"C6L.SI":1.95}},"isVote":1,"tweetType":1,"viewCount":48,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":519944427070232,"gmtCreate":1767974846525,"gmtModify":1767974848943,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"title":"","htmlText":"<a href=\"https://ttm.financial/S/CRML\">$CRITICAL METALS CORPORATION(CRML)$</a>&nbsp;","listText":"<a href=\"https://ttm.financial/S/CRML\">$CRITICAL METALS CORPORATION(CRML)$</a>&nbsp;","text":"$CRITICAL METALS CORPORATION(CRML)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/519944427070232","isVote":1,"tweetType":1,"viewCount":202,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":492206868525208,"gmtCreate":1761190252099,"gmtModify":1761192866587,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"htmlText":"DBS","listText":"DBS","text":"DBS","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/492206868525208","repostId":"2577343297","repostType":2,"repost":{"id":"2577343297","kind":"highlight","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings","home_visible":1,"media_name":"TigerNews SG","id":"1050470178","head_image":"https://community-static.tradeup.com/news/f17a9a7b68c877792d5e556261e9e709"},"pubTimestamp":1761188110,"share":"https://ttm.financial/m/news/2577343297?lang=en_US&edition=fundamental","pubTime":"2025-10-23 10:55","market":"nz","language":"en","title":"UOB vs OCBC: Which is a Better Buy?","url":"https://stock-news.laohu8.com/highlight/detail?id=2577343297","media":"TigerNews SG","summary":"With interest rates easing, the real question is how OCBC or UOB will adapt.","content":"<html><head></head><body><p>The three major banks in Singapore have long been important pillars of local portfolios.</p><p>These two banks - <a href=\"https://laohu8.com/S/U11.SI\">UOB</a> and  <a href=\"https://laohu8.com/S/O39.SI\">OCBC Bank</a> - have attracted attention because they have a good track record in terms of dividend payouts. This is not surprising.</p><p>As interest rates begin to gradually decline, investors are closely watching how these two banks will respond to the situation of lower profit margins and reduced loan demand.</p><p>UOB is increasing its business expansion in the region, while OCBC relies on its broader and more diversified business portfolio to maintain its development.</p><p>But the real question is which strategy will stand out when the interest rate cycle changes.</p><h2 id=\"id_1258007566\">UOB: Expanding regional footprint</h2><p>In recent years, UOB has been quietly expanding its business coverage in the ASEAN region.</p><p>The acquisition of  <a href=\"https://laohu8.com/S/C\">Citigroup</a>&#39;s consumer banking divisions in Malaysia, Thailand, Vietnam and Indonesia has brought the bank millions of new customers and enabled it to establish a foothold in some of the most dynamic markets in the region.</p><p>The current task is to achieve integration.</p><p>The management has been working hard to carry out product cross-selling activities, such as credit cards, personal loans and wealth management services, and over time, this has improved the profitability of the entire business network.</p><p>In the first half of 2025 (1H2025), the bank’s net interest income (NII) remained stable at S$4.7 billion.</p><p>Under non-interest income, net fee income recorded double-digit growth, supported by stronger wealth and card fees.</p><p>Overall, UOB earned about S$4 billion in operating profit, up 3% compared to a year ago.</p><p>UOB declared an interim dividend of S$0.85 per ordinary share, representing a payout ratio of approximately 50%, plus the second tranche of its special dividend worth S$0.25 per share, underscoring the management’s confidence in its capital strength.</p><p>The advantage of this local bank lies in its growth journey within the ASEAN region, namely its orderly and strategically significant expansion initiatives in economies such as Vietnam and Indonesia. In these countries, the continuous growth of residents&#39; income should support the credit demand.</p><p>Although short-term profits will be limited by the narrowing profit margins, its strong capital base and stable dividend record make it an ideal choice for investors who seek returns while also hoping to gain regional growth advantages.</p><h2 id=\"id_1046076525\">OCBC: A diversified source of revenue</h2><p>OCBC operates under a multi-engine model.</p><p>In addition to its traditional lending business, the bank has established a considerable business in the insurance and wealth management sectors, enabling it to gain an advantage when interest rates start to decline.</p><p>Through its 89% stake in Great Eastern Holdings, OCBC has been able to deeply participate in the rapidly growing life insurance and investment markets in the region. In the case of narrowing loan interest rates, this provides it with important revenue security.</p><p>That diversification works both ways. </p><p>It gives OCBC greater earnings stability over the long run, but it can also make quarterly results look a little uneven when insurance valuations swing with the markets.</p><p>For 1H2025, OCBC made about S$3.7 billion in profit — roughly 6% below last year’s level. </p><p>The softer showing mainly came from thinner lending margins and a quieter performance at its insurance arm.</p><p>The bank’s net interest margin eased to 1.98% for 1H2025, coming in at 1.92% in 2Q2025. </p><p>In fact, management guided that full-year margins to land somewhere around 1.9% to 1.95%, with higher funding costs still eating into spreads.</p><p>Lending was up by around 9% year on year, while deposits grew by 10% over the same period. </p><p>It’s a steady outcome that highlights the depth of OCBC’s customer base across the region.</p><p>Non-interest income climbed 8% year on year to S$2.6 billion, thanks to stronger card spending and wealth-management flows. </p><p>Elsewhere, the bank’s wealth management income, including private banking, premier private client, premier banking, insurance, asset management and stockbroking, inched up 4% year on year to about S$2.7 billion, making up a little more than a third of group income.</p><p>OCBC&#39;s diversified business provides it with multiple profit-making channels - including banking services, insurance services, and wealth management services - which help maintain stable performance during different economic cycles.</p><p>Although the narrowing of interest margins may bring short-term pressure, the bank&#39;s strong capital strength and stable commission income provide it with the impetus for sustainable development.</p><h2 id=\"id_1213042297\">Growth Potential: UOB vs OCBC</h2><p>What’s UOB’s edge?</p><p>The regional expansion of UOB has provided it with natural development space.</p><p>Citigroup&#39;s consumer asset integration initiative in the ASEAN region has enhanced its scale and expanded the coverage of its digital banking business.</p><p>As interest-based income returns to normal levels, the growth of fee income from wealth and payments will become a key factor.</p><p>On the other side, OCBC’s edge stems from its diversified platform. </p><p>The bank&#39;s business branches in the Greater China region, combined with its insurance department, have enabled it to explore market opportunities outside the ASEAN region.</p><p>The total managed assets increased by 11% year-on-year, reaching S$310 billion, indicating that the trend of wealth growth remains strong.</p><h2 id=\"id_2112999447\"></h2></body></html>","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>UOB vs OCBC: Which is a Better 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{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\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\">\nUOB vs OCBC: Which is a Better Buy?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1050470178\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/f17a9a7b68c877792d5e556261e9e709);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">TigerNews SG </p>\n<p class=\"h-time\">2025-10-23 10:55</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>The three major banks in Singapore have long been important pillars of local portfolios.</p><p>These two banks - <a href=\"https://laohu8.com/S/U11.SI\">UOB</a> and  <a href=\"https://laohu8.com/S/O39.SI\">OCBC Bank</a> - have attracted attention because they have a good track record in terms of dividend payouts. This is not surprising.</p><p>As interest rates begin to gradually decline, investors are closely watching how these two banks will respond to the situation of lower profit margins and reduced loan demand.</p><p>UOB is increasing its business expansion in the region, while OCBC relies on its broader and more diversified business portfolio to maintain its development.</p><p>But the real question is which strategy will stand out when the interest rate cycle changes.</p><h2 id=\"id_1258007566\">UOB: Expanding regional footprint</h2><p>In recent years, UOB has been quietly expanding its business coverage in the ASEAN region.</p><p>The acquisition of  <a href=\"https://laohu8.com/S/C\">Citigroup</a>&#39;s consumer banking divisions in Malaysia, Thailand, Vietnam and Indonesia has brought the bank millions of new customers and enabled it to establish a foothold in some of the most dynamic markets in the region.</p><p>The current task is to achieve integration.</p><p>The management has been working hard to carry out product cross-selling activities, such as credit cards, personal loans and wealth management services, and over time, this has improved the profitability of the entire business network.</p><p>In the first half of 2025 (1H2025), the bank’s net interest income (NII) remained stable at S$4.7 billion.</p><p>Under non-interest income, net fee income recorded double-digit growth, supported by stronger wealth and card fees.</p><p>Overall, UOB earned about S$4 billion in operating profit, up 3% compared to a year ago.</p><p>UOB declared an interim dividend of S$0.85 per ordinary share, representing a payout ratio of approximately 50%, plus the second tranche of its special dividend worth S$0.25 per share, underscoring the management’s confidence in its capital strength.</p><p>The advantage of this local bank lies in its growth journey within the ASEAN region, namely its orderly and strategically significant expansion initiatives in economies such as Vietnam and Indonesia. In these countries, the continuous growth of residents&#39; income should support the credit demand.</p><p>Although short-term profits will be limited by the narrowing profit margins, its strong capital base and stable dividend record make it an ideal choice for investors who seek returns while also hoping to gain regional growth advantages.</p><h2 id=\"id_1046076525\">OCBC: A diversified source of revenue</h2><p>OCBC operates under a multi-engine model.</p><p>In addition to its traditional lending business, the bank has established a considerable business in the insurance and wealth management sectors, enabling it to gain an advantage when interest rates start to decline.</p><p>Through its 89% stake in Great Eastern Holdings, OCBC has been able to deeply participate in the rapidly growing life insurance and investment markets in the region. In the case of narrowing loan interest rates, this provides it with important revenue security.</p><p>That diversification works both ways. </p><p>It gives OCBC greater earnings stability over the long run, but it can also make quarterly results look a little uneven when insurance valuations swing with the markets.</p><p>For 1H2025, OCBC made about S$3.7 billion in profit — roughly 6% below last year’s level. </p><p>The softer showing mainly came from thinner lending margins and a quieter performance at its insurance arm.</p><p>The bank’s net interest margin eased to 1.98% for 1H2025, coming in at 1.92% in 2Q2025. </p><p>In fact, management guided that full-year margins to land somewhere around 1.9% to 1.95%, with higher funding costs still eating into spreads.</p><p>Lending was up by around 9% year on year, while deposits grew by 10% over the same period. </p><p>It’s a steady outcome that highlights the depth of OCBC’s customer base across the region.</p><p>Non-interest income climbed 8% year on year to S$2.6 billion, thanks to stronger card spending and wealth-management flows. </p><p>Elsewhere, the bank’s wealth management income, including private banking, premier private client, premier banking, insurance, asset management and stockbroking, inched up 4% year on year to about S$2.7 billion, making up a little more than a third of group income.</p><p>OCBC&#39;s diversified business provides it with multiple profit-making channels - including banking services, insurance services, and wealth management services - which help maintain stable performance during different economic cycles.</p><p>Although the narrowing of interest margins may bring short-term pressure, the bank&#39;s strong capital strength and stable commission income provide it with the impetus for sustainable development.</p><h2 id=\"id_1213042297\">Growth Potential: UOB vs OCBC</h2><p>What’s UOB’s edge?</p><p>The regional expansion of UOB has provided it with natural development space.</p><p>Citigroup&#39;s consumer asset integration initiative in the ASEAN region has enhanced its scale and expanded the coverage of its digital banking business.</p><p>As interest-based income returns to normal levels, the growth of fee income from wealth and payments will become a key factor.</p><p>On the other side, OCBC’s edge stems from its diversified platform. </p><p>The bank&#39;s business branches in the Greater China region, combined with its insurance department, have enabled it to explore market opportunities outside the ASEAN region.</p><p>The total managed assets increased by 11% year-on-year, reaching S$310 billion, indicating that the trend of wealth growth remains strong.</p><h2 id=\"id_2112999447\"></h2></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"O39.SI":"华侨银行","U11.SI":"大华银行"},"source_url":"https://thesmartinvestor.com.sg/uob-vs-ocbc-which-bank-offers-the-better-blend-of-growth-and-dividends/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2577343297","content_text":"The three major banks in Singapore have long been important pillars of local portfolios.These two banks - UOB and  OCBC Bank - have attracted attention because they have a good track record in terms of dividend payouts. This is not surprising.As interest rates begin to gradually decline, investors are closely watching how these two banks will respond to the situation of lower profit margins and reduced loan demand.UOB is increasing its business expansion in the region, while OCBC relies on its broader and more diversified business portfolio to maintain its development.But the real question is which strategy will stand out when the interest rate cycle changes.UOB: Expanding regional footprintIn recent years, UOB has been quietly expanding its business coverage in the ASEAN region.The acquisition of  Citigroup's consumer banking divisions in Malaysia, Thailand, Vietnam and Indonesia has brought the bank millions of new customers and enabled it to establish a foothold in some of the most dynamic markets in the region.The current task is to achieve integration.The management has been working hard to carry out product cross-selling activities, such as credit cards, personal loans and wealth management services, and over time, this has improved the profitability of the entire business network.In the first half of 2025 (1H2025), the bank’s net interest income (NII) remained stable at S$4.7 billion.Under non-interest income, net fee income recorded double-digit growth, supported by stronger wealth and card fees.Overall, UOB earned about S$4 billion in operating profit, up 3% compared to a year ago.UOB declared an interim dividend of S$0.85 per ordinary share, representing a payout ratio of approximately 50%, plus the second tranche of its special dividend worth S$0.25 per share, underscoring the management’s confidence in its capital strength.The advantage of this local bank lies in its growth journey within the ASEAN region, namely its orderly and strategically significant expansion initiatives in economies such as Vietnam and Indonesia. In these countries, the continuous growth of residents' income should support the credit demand.Although short-term profits will be limited by the narrowing profit margins, its strong capital base and stable dividend record make it an ideal choice for investors who seek returns while also hoping to gain regional growth advantages.OCBC: A diversified source of revenueOCBC operates under a multi-engine model.In addition to its traditional lending business, the bank has established a considerable business in the insurance and wealth management sectors, enabling it to gain an advantage when interest rates start to decline.Through its 89% stake in Great Eastern Holdings, OCBC has been able to deeply participate in the rapidly growing life insurance and investment markets in the region. In the case of narrowing loan interest rates, this provides it with important revenue security.That diversification works both ways. It gives OCBC greater earnings stability over the long run, but it can also make quarterly results look a little uneven when insurance valuations swing with the markets.For 1H2025, OCBC made about S$3.7 billion in profit — roughly 6% below last year’s level. The softer showing mainly came from thinner lending margins and a quieter performance at its insurance arm.The bank’s net interest margin eased to 1.98% for 1H2025, coming in at 1.92% in 2Q2025. In fact, management guided that full-year margins to land somewhere around 1.9% to 1.95%, with higher funding costs still eating into spreads.Lending was up by around 9% year on year, while deposits grew by 10% over the same period. It’s a steady outcome that highlights the depth of OCBC’s customer base across the region.Non-interest income climbed 8% year on year to S$2.6 billion, thanks to stronger card spending and wealth-management flows. Elsewhere, the bank’s wealth management income, including private banking, premier private client, premier banking, insurance, asset management and stockbroking, inched up 4% year on year to about S$2.7 billion, making up a little more than a third of group income.OCBC's diversified business provides it with multiple profit-making channels - including banking services, insurance services, and wealth management services - which help maintain stable performance during different economic cycles.Although the narrowing of interest margins may bring short-term pressure, the bank's strong capital strength and stable commission income provide it with the impetus for sustainable development.Growth Potential: UOB vs OCBCWhat’s UOB’s edge?The regional expansion of UOB has provided it with natural development space.Citigroup's consumer asset integration initiative in the ASEAN region has enhanced its scale and expanded the coverage of its digital banking business.As interest-based income returns to normal levels, the growth of fee income from wealth and payments will become a key factor.On the other side, OCBC’s edge stems from its diversified platform. The bank's business branches in the Greater China region, combined with its insurance department, have enabled it to explore market opportunities outside the ASEAN region.The total managed assets increased by 11% year-on-year, reaching S$310 billion, indicating that the trend of wealth growth remains strong.","news_type":1,"symbols_score_info":{"U11.SI":1.5,"O39.SI":1.5}},"isVote":1,"tweetType":1,"viewCount":745,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":465354751517152,"gmtCreate":1754622211530,"gmtModify":1754622252936,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"htmlText":"I wouldn't invest in a company who pocketed the record earnings as bonuses yet dividend remains the same","listText":"I wouldn't invest in a company who pocketed the record earnings as bonuses yet dividend remains the same","text":"I wouldn't invest in a company who pocketed the record earnings as bonuses yet dividend remains the same","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/465354751517152","repostId":"2557322491","repostType":2,"repost":{"id":"2557322491","kind":"highlight","pubTimestamp":1754472600,"share":"https://ttm.financial/m/news/2557322491?lang=en_US&edition=fundamental","pubTime":"2025-08-06 17:30","market":"us","language":"en","title":"SIA Tumbles 4%; Singapore Airlines is Encountering Turbulent Skies: Can the Carrier Recover?","url":"https://stock-news.laohu8.com/highlight/detail?id=2557322491","media":"The Smart Investor","summary":"The airline has seen its share price tumble following a weak set of earnings.","content":"<div>\n<p>Singapore Airlines Limited (SGX: C6L), or SIA, is flying into stormy skies.Singapore’s national carrier saw its share price tumble from its 52-week high of S$7.60 to S$7.04 after it released its first...</p>\n\n<a href=\"https://thesmartinvestor.com.sg/singapore-airlines-is-encountering-turbulent-skies-can-the-carrier-recover/\">Source Link</a>\n\n</div>\n","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>SIA Tumbles 4%; Singapore Airlines is Encountering Turbulent Skies: Can the Carrier Recover?</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{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\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\">\nSIA Tumbles 4%; Singapore Airlines is Encountering Turbulent Skies: Can the Carrier Recover?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-08-06 17:30 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://thesmartinvestor.com.sg/singapore-airlines-is-encountering-turbulent-skies-can-the-carrier-recover/><strong>The Smart Investor</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Singapore Airlines Limited (SGX: C6L), or SIA, is flying into stormy skies.Singapore’s national carrier saw its share price tumble from its 52-week high of S$7.60 to S$7.04 after it released its first...</p>\n\n<a href=\"https://thesmartinvestor.com.sg/singapore-airlines-is-encountering-turbulent-skies-can-the-carrier-recover/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SG9999013486.USD":"LIONGLOBAL SINGAPORE DIVIDEND EQUITY (USD) INC A","BK6519":"运输股","BK6003":"航空公司","BK6523":"ESG概念","C6L.SI":"新加坡航空公司","SG9999013460.SGD":"LionGlobal Singapore Dividend Equity Fund SGD","SG9999001127.SGD":"United Singapore Growth Fund SGD","SG9999013478.USD":"利安新加坡股息基金","SGXZ58947870.SGD":"LIONGLOBAL SINGAPORE DIVIDEND EQUITY (SGDHDG) INC","SG9999006266.SGD":"MANULIFE SINGAPORE EQUITY \"A\" (SGD) ACC","LU1981816686.USD":"EASTSPRING INV ASIAN MULTI FACTOR EQUITY \"A\" (USD) ACC"},"source_url":"https://thesmartinvestor.com.sg/singapore-airlines-is-encountering-turbulent-skies-can-the-carrier-recover/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2557322491","content_text":"Singapore Airlines Limited (SGX: C6L), or SIA, is flying into stormy skies.Singapore’s national carrier saw its share price tumble from its 52-week high of S$7.60 to S$7.04 after it released its first quarter of fiscal 2026 (1Q FY2026) business update.Subsequently, the blue-chip group saw its share price fall further to as low as S$6.80, capping a more than 10% decline from its year-high.Year-to-date, shares of SIA have advanced just 5.7%, underperforming the Straits Times Index’s (SGX: ^STI) 11.1% rise.Can SIA recover from this fall and soar high again? Read on to find out.A mixed financial performanceFor 1Q FY2026, SIA reported that total revenue inched up 1.5% year on year to S$4.8 billion.However, total expenditure rose 3.2% year on year to S$4.4 billion as non-fuel expenses jumped 8.5% year on year to S$3.1 billion.As a result, operating profit tumbled 13.8% year on year to S$405 million.Net profit fared even worse, plunging by 58.8% year on year to S$186 million.SIA’s profit was dragged down by the recognition of a share of losses from associated companies, notably Air India’s financial results, as the Indian airline was not part of the SIA group a year ago.Developing its fleet and networkDespite the lower profits, SIA continued to renew its fleet, which remains one of the youngest in the industry with an average age of seven years and nine months.As of 30 June 2025, SIA operated 144 passenger aircraft and seven freighters, and Scoot operated 43 passenger aircraft.A total of three aircraft were added to SIA’s fleet during the quarter, and the airline had 72 aircraft on order at the end of the quarter.The group’s passenger network served 129 destinations in 37 countries and territories, and Scoot is planning to ramp up its services to make up for the closure of Jetstar Asia at the end of July.Scoot has plans to launch services to Da Nang in Vietnam and Kota Bahru in Malaysia come October 2025, as well as Nha Trang in November 2025.The group will also ramp up capacity to various Asian destinations to accommodate Jetstar Asia’s existing passengers by offering them another option.Advancing on its strategic initiativesMeanwhile, SIA is also working on several important strategic initiatives.The group signed agreements with Neste and World Energy to acquire Sustainable Aviation Fuel (SAF) in support of its decarbonisation efforts.SIA will purchase 2,000 tonnes of SAF in the form of emissions reduction from World Energy to help reduce its carbon footprint.Last month, the Competition and Consumer Association of Singapore granted conditional approval for a commercial joint venture (JV) between SIA and Malaysia Airlines (KLSE: 3786).If this JV goes through, both airlines will work together on sales and marketing and expanded codeshare flights.This partnership will benefit SIA’s customers by offering them expanded options and better flight connectivity.Elsewhere, SIA also announced a three-year partnership with Mandai Wildlife Group to enhance Singapore’s tourism appeal.Through this collaboration, SIA customers can enjoy curated wildlife experiences, co-branded retail collections, and other benefits.These initiatives show SIA’s continued commitment to expanding its market share and routes, and also offering its customers a unique experience to deepen loyalty.A bumper bonus for staffSIA also made the news back in May when it paid out an eye-catching profit-sharing bonus of 7.45 months to employees after reporting record profits for FY2025.The airline has recognised a one-off gain from the merger between Vistara and Air India, thereby boosting the group’s profits for the previous fiscal year.However, back then, SIA was already feeling the strain from increased competition.Operating profit for FY2025 fell 37% year on year to S$1.7 billion because of lower passenger yields as other airlines added capacity aggressively.SIA also paid out a lower final dividend of S$0.30 compared to S$0.38 in the year before.Management also warned that Trump’s tariffs could further dampen consumer sentiment and add to the weak outlook.For its 1Q FY2026 outlook, management further warned of a volatile operating environment exacerbated by geopolitical developments and macroeconomic challenges.Get Smart: Cloudy skies aheadSIA is feeling the strain from higher expenses, which have eroded a significant chunk of its profits.The airline was cognisant of tough conditions emerging back when it reported its FY2025 results, yet still paid out a bumper bonus to its staff.The group could have conserved more cash to act as a buffer for the headwinds ahead, instead.Though the airline has undertaken initiatives to grow its market share and broaden its customer base, the macroeconomic environment continues to be challenging.Hence, faced with cloudy skies, SIA may need time to navigate them and could take longer than expected to post a recovery.As the STI hits record highs, long-term investors are asking: can dividends keep up?In this special National Day webinar, we dive into the earnings outlook for Singapore’s top dividend stocks and what to expect in the months ahead. Secure your free seat here and stay ahead of the curve.Don’t let market uncertainty hijack your financial dreams. While headlines scream gloom, 5 Singapore companies have been quietly building wealth and paying reliable dividends. You’re probably overlooking them. Discover these resilient giants and their secrets to sustained income, even through global storms. Disclosure: Royston Yang does not own shares in any of the companies mentioned.","news_type":1,"symbols_score_info":{"C6L.SI":1}},"isVote":1,"tweetType":1,"viewCount":1358,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":437362633920928,"gmtCreate":1747814281621,"gmtModify":1747815461374,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"htmlText":"Share your opinion about this news…","listText":"Share your opinion about this news…","text":"Share your opinion about this news…","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/437362633920928","repostId":"2536280613","repostType":2,"repost":{"id":"2536280613","kind":"news","weMediaInfo":{"introduction":"The most recognized names in North America, Europe and Asia rely on MT Newswires to power their applications. Better news, better service, better price.","home_visible":1,"media_name":"MT Newswires","id":"1060499803","head_image":"https://community-static.tradeup.com/news/3002d84abbd5ace3c99397c7f95b8d4e"},"pubTimestamp":1747735402,"share":"https://ttm.financial/m/news/2536280613?lang=en_US&edition=fundamental","pubTime":"2025-05-20 18:03","market":"sg","language":"en","title":"Nomura Upgrades Singapore Airlines to Buy From Neutral, Adjusts Price Target to SG$8.04 From SG$6.75","url":"https://stock-news.laohu8.com/highlight/detail?id=2536280613","media":"MT Newswires","summary":"Singapore Airlines (SGX:C6L) has an average rating of hold and mean price target of SG$6.72, according to analysts polled by FactSet.(MT Newswires covers equity, commodity and economic research from m","content":"<html><body><p> Singapore Airlines (SGX:C6L) has an average rating of hold and mean price target of SG$6.72, according to analysts polled by FactSet.</p><p>(MT Newswires covers equity, commodity and economic research from major banks and research firms in North America, Asia and Europe. Research providers may contact us here: https://www.mtnewswires.com/contact-us)</p></body></html>","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>Nomura Upgrades Singapore Airlines to Buy From Neutral, Adjusts Price Target to SG$8.04 From SG$6.75</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{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\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\">\nNomura Upgrades Singapore Airlines to Buy From Neutral, Adjusts Price Target to SG$8.04 From SG$6.75\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1060499803\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/3002d84abbd5ace3c99397c7f95b8d4e);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">MT Newswires </p>\n<p class=\"h-time\">2025-05-20 18:03</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><body><p> Singapore Airlines (SGX:C6L) has an average rating of hold and mean price target of SG$6.72, according to analysts polled by FactSet.</p><p>(MT Newswires covers equity, commodity and economic research from major banks and research firms in North America, Asia and Europe. Research providers may contact us here: https://www.mtnewswires.com/contact-us)</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"C6L.SI":"新加坡航空公司"},"source_url":"https://www.mtnewswires.com/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2536280613","content_text":"Singapore Airlines (SGX:C6L) has an average rating of hold and mean price target of SG$6.72, according to analysts polled by FactSet.(MT Newswires covers equity, commodity and economic research from major banks and research firms in North America, Asia and Europe. Research providers may contact us here: https://www.mtnewswires.com/contact-us)","news_type":1,"symbols_score_info":{"C6L.SI":1}},"isVote":1,"tweetType":1,"viewCount":1095,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":389804331884608,"gmtCreate":1736174690726,"gmtModify":1736175347408,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/DXYZ\">$Destiny Tech100 Inc(DXYZ)$&nbsp;</a>&nbsp;","listText":"<a href=\"https://ttm.financial/S/DXYZ\">$Destiny Tech100 Inc(DXYZ)$&nbsp;</a>&nbsp;","text":"$Destiny Tech100 Inc(DXYZ)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/389804331884608","isVote":1,"tweetType":1,"viewCount":1217,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":465354751517152,"gmtCreate":1754622211530,"gmtModify":1754622252936,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"htmlText":"I wouldn't invest in a company who pocketed the record earnings as bonuses yet dividend remains the same","listText":"I wouldn't invest in a company who pocketed the record earnings as bonuses yet dividend remains the same","text":"I wouldn't invest in a company who pocketed the record earnings as bonuses yet dividend remains the same","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/465354751517152","repostId":"2557322491","repostType":2,"repost":{"id":"2557322491","kind":"highlight","pubTimestamp":1754472600,"share":"https://ttm.financial/m/news/2557322491?lang=en_US&edition=fundamental","pubTime":"2025-08-06 17:30","market":"us","language":"en","title":"SIA Tumbles 4%; Singapore Airlines is Encountering Turbulent Skies: Can the Carrier Recover?","url":"https://stock-news.laohu8.com/highlight/detail?id=2557322491","media":"The Smart Investor","summary":"The airline has seen its share price tumble following a weak set of earnings.","content":"<div>\n<p>Singapore Airlines Limited (SGX: C6L), or SIA, is flying into stormy skies.Singapore’s national carrier saw its share price tumble from its 52-week high of S$7.60 to S$7.04 after it released its first...</p>\n\n<a href=\"https://thesmartinvestor.com.sg/singapore-airlines-is-encountering-turbulent-skies-can-the-carrier-recover/\">Source Link</a>\n\n</div>\n","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>SIA Tumbles 4%; Singapore Airlines is Encountering Turbulent Skies: Can the Carrier Recover?</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{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\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\">\nSIA Tumbles 4%; Singapore Airlines is Encountering Turbulent Skies: Can the Carrier Recover?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-08-06 17:30 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://thesmartinvestor.com.sg/singapore-airlines-is-encountering-turbulent-skies-can-the-carrier-recover/><strong>The Smart Investor</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Singapore Airlines Limited (SGX: C6L), or SIA, is flying into stormy skies.Singapore’s national carrier saw its share price tumble from its 52-week high of S$7.60 to S$7.04 after it released its first...</p>\n\n<a href=\"https://thesmartinvestor.com.sg/singapore-airlines-is-encountering-turbulent-skies-can-the-carrier-recover/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SG9999013486.USD":"LIONGLOBAL SINGAPORE DIVIDEND EQUITY (USD) INC A","BK6519":"运输股","BK6003":"航空公司","BK6523":"ESG概念","C6L.SI":"新加坡航空公司","SG9999013460.SGD":"LionGlobal Singapore Dividend Equity Fund SGD","SG9999001127.SGD":"United Singapore Growth Fund SGD","SG9999013478.USD":"利安新加坡股息基金","SGXZ58947870.SGD":"LIONGLOBAL SINGAPORE DIVIDEND EQUITY (SGDHDG) INC","SG9999006266.SGD":"MANULIFE SINGAPORE EQUITY \"A\" (SGD) ACC","LU1981816686.USD":"EASTSPRING INV ASIAN MULTI FACTOR EQUITY \"A\" (USD) ACC"},"source_url":"https://thesmartinvestor.com.sg/singapore-airlines-is-encountering-turbulent-skies-can-the-carrier-recover/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2557322491","content_text":"Singapore Airlines Limited (SGX: C6L), or SIA, is flying into stormy skies.Singapore’s national carrier saw its share price tumble from its 52-week high of S$7.60 to S$7.04 after it released its first quarter of fiscal 2026 (1Q FY2026) business update.Subsequently, the blue-chip group saw its share price fall further to as low as S$6.80, capping a more than 10% decline from its year-high.Year-to-date, shares of SIA have advanced just 5.7%, underperforming the Straits Times Index’s (SGX: ^STI) 11.1% rise.Can SIA recover from this fall and soar high again? Read on to find out.A mixed financial performanceFor 1Q FY2026, SIA reported that total revenue inched up 1.5% year on year to S$4.8 billion.However, total expenditure rose 3.2% year on year to S$4.4 billion as non-fuel expenses jumped 8.5% year on year to S$3.1 billion.As a result, operating profit tumbled 13.8% year on year to S$405 million.Net profit fared even worse, plunging by 58.8% year on year to S$186 million.SIA’s profit was dragged down by the recognition of a share of losses from associated companies, notably Air India’s financial results, as the Indian airline was not part of the SIA group a year ago.Developing its fleet and networkDespite the lower profits, SIA continued to renew its fleet, which remains one of the youngest in the industry with an average age of seven years and nine months.As of 30 June 2025, SIA operated 144 passenger aircraft and seven freighters, and Scoot operated 43 passenger aircraft.A total of three aircraft were added to SIA’s fleet during the quarter, and the airline had 72 aircraft on order at the end of the quarter.The group’s passenger network served 129 destinations in 37 countries and territories, and Scoot is planning to ramp up its services to make up for the closure of Jetstar Asia at the end of July.Scoot has plans to launch services to Da Nang in Vietnam and Kota Bahru in Malaysia come October 2025, as well as Nha Trang in November 2025.The group will also ramp up capacity to various Asian destinations to accommodate Jetstar Asia’s existing passengers by offering them another option.Advancing on its strategic initiativesMeanwhile, SIA is also working on several important strategic initiatives.The group signed agreements with Neste and World Energy to acquire Sustainable Aviation Fuel (SAF) in support of its decarbonisation efforts.SIA will purchase 2,000 tonnes of SAF in the form of emissions reduction from World Energy to help reduce its carbon footprint.Last month, the Competition and Consumer Association of Singapore granted conditional approval for a commercial joint venture (JV) between SIA and Malaysia Airlines (KLSE: 3786).If this JV goes through, both airlines will work together on sales and marketing and expanded codeshare flights.This partnership will benefit SIA’s customers by offering them expanded options and better flight connectivity.Elsewhere, SIA also announced a three-year partnership with Mandai Wildlife Group to enhance Singapore’s tourism appeal.Through this collaboration, SIA customers can enjoy curated wildlife experiences, co-branded retail collections, and other benefits.These initiatives show SIA’s continued commitment to expanding its market share and routes, and also offering its customers a unique experience to deepen loyalty.A bumper bonus for staffSIA also made the news back in May when it paid out an eye-catching profit-sharing bonus of 7.45 months to employees after reporting record profits for FY2025.The airline has recognised a one-off gain from the merger between Vistara and Air India, thereby boosting the group’s profits for the previous fiscal year.However, back then, SIA was already feeling the strain from increased competition.Operating profit for FY2025 fell 37% year on year to S$1.7 billion because of lower passenger yields as other airlines added capacity aggressively.SIA also paid out a lower final dividend of S$0.30 compared to S$0.38 in the year before.Management also warned that Trump’s tariffs could further dampen consumer sentiment and add to the weak outlook.For its 1Q FY2026 outlook, management further warned of a volatile operating environment exacerbated by geopolitical developments and macroeconomic challenges.Get Smart: Cloudy skies aheadSIA is feeling the strain from higher expenses, which have eroded a significant chunk of its profits.The airline was cognisant of tough conditions emerging back when it reported its FY2025 results, yet still paid out a bumper bonus to its staff.The group could have conserved more cash to act as a buffer for the headwinds ahead, instead.Though the airline has undertaken initiatives to grow its market share and broaden its customer base, the macroeconomic environment continues to be challenging.Hence, faced with cloudy skies, SIA may need time to navigate them and could take longer than expected to post a recovery.As the STI hits record highs, long-term investors are asking: can dividends keep up?In this special National Day webinar, we dive into the earnings outlook for Singapore’s top dividend stocks and what to expect in the months ahead. Secure your free seat here and stay ahead of the curve.Don’t let market uncertainty hijack your financial dreams. While headlines scream gloom, 5 Singapore companies have been quietly building wealth and paying reliable dividends. You’re probably overlooking them. Discover these resilient giants and their secrets to sustained income, even through global storms. Disclosure: Royston Yang does not own shares in any of the companies mentioned.","news_type":1,"symbols_score_info":{"C6L.SI":1}},"isVote":1,"tweetType":1,"viewCount":1358,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":437362633920928,"gmtCreate":1747814281621,"gmtModify":1747815461374,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"htmlText":"Share your opinion about this news…","listText":"Share your opinion about this news…","text":"Share your opinion about this news…","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/437362633920928","repostId":"2536280613","repostType":2,"repost":{"id":"2536280613","kind":"news","weMediaInfo":{"introduction":"The most recognized names in North America, Europe and Asia rely on MT Newswires to power their applications. Better news, better service, better price.","home_visible":1,"media_name":"MT Newswires","id":"1060499803","head_image":"https://community-static.tradeup.com/news/3002d84abbd5ace3c99397c7f95b8d4e"},"pubTimestamp":1747735402,"share":"https://ttm.financial/m/news/2536280613?lang=en_US&edition=fundamental","pubTime":"2025-05-20 18:03","market":"sg","language":"en","title":"Nomura Upgrades Singapore Airlines to Buy From Neutral, Adjusts Price Target to SG$8.04 From SG$6.75","url":"https://stock-news.laohu8.com/highlight/detail?id=2536280613","media":"MT Newswires","summary":"Singapore Airlines (SGX:C6L) has an average rating of hold and mean price target of SG$6.72, according to analysts polled by FactSet.(MT Newswires covers equity, commodity and economic research from m","content":"<html><body><p> Singapore Airlines (SGX:C6L) has an average rating of hold and mean price target of SG$6.72, according to analysts polled by FactSet.</p><p>(MT Newswires covers equity, commodity and economic research from major banks and research firms in North America, Asia and Europe. Research providers may contact us here: https://www.mtnewswires.com/contact-us)</p></body></html>","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>Nomura Upgrades Singapore Airlines to Buy From Neutral, Adjusts Price Target to SG$8.04 From SG$6.75</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{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\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\">\nNomura Upgrades Singapore Airlines to Buy From Neutral, Adjusts Price Target to SG$8.04 From SG$6.75\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1060499803\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/3002d84abbd5ace3c99397c7f95b8d4e);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">MT Newswires </p>\n<p class=\"h-time\">2025-05-20 18:03</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><body><p> Singapore Airlines (SGX:C6L) has an average rating of hold and mean price target of SG$6.72, according to analysts polled by FactSet.</p><p>(MT Newswires covers equity, commodity and economic research from major banks and research firms in North America, Asia and Europe. Research providers may contact us here: https://www.mtnewswires.com/contact-us)</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"C6L.SI":"新加坡航空公司"},"source_url":"https://www.mtnewswires.com/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2536280613","content_text":"Singapore Airlines (SGX:C6L) has an average rating of hold and mean price target of SG$6.72, according to analysts polled by FactSet.(MT Newswires covers equity, commodity and economic research from major banks and research firms in North America, Asia and Europe. Research providers may contact us here: https://www.mtnewswires.com/contact-us)","news_type":1,"symbols_score_info":{"C6L.SI":1}},"isVote":1,"tweetType":1,"viewCount":1095,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":524149449445680,"gmtCreate":1768992180808,"gmtModify":1768992184553,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"title":"","htmlText":"When made record earnings for 2 consecutive years why no use to pay back loans but take all for bonuses?","listText":"When made record earnings for 2 consecutive years why no use to pay back loans but take all for bonuses?","text":"When made record earnings for 2 consecutive years why no use to pay back loans but take all for bonuses?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/524149449445680","repostId":"2604168360","repostType":2,"repost":{"id":"2604168360","kind":"highlight","weMediaInfo":{"introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"media_name":"Reuters","id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"pubTimestamp":1768877730,"share":"https://ttm.financial/m/news/2604168360?lang=en_US&edition=fundamental","pubTime":"2026-01-20 10:55","market":"us","language":"en","title":"Singapore Airlines Launches 10-Year Singapore Dollar Notes At 2.95%","url":"https://stock-news.laohu8.com/highlight/detail?id=2604168360","media":"Reuters","summary":"Singapore Airlines launches 10-year Singapore dollar notes at 2.95% SINGAPORE, Jan 20  - Singapore's national carrier, Singapore Airlines Ltd SIAL.SI, has launched a 10-year Singapore dollar senior note offering with initial price guidance at around 2.95%, a term sheet showed on Tuesday.The notes are direct, unconditional, unsubordinated and unsecured obligations of the carrier and will be issued under its S$10 billion  multi-currency medium-term note programme, according to the sheet. Proceeds will be used for aircraft purchases and related payments, and for general corporate or working capital purposes, including refinancing existing borrowings, the sheet showed.The bonds pay interest semi-annually, with the first coupon due July 30, 2026, and mature on January 30, 2036. DBS DBSM.SI, OCBC OCBC.SI and United Overseas Bank UOBH.SI are joint global coordinators. Standard Chartered Bank STAN.L joins them as a joint lead manager and bookrunner.  ","content":"<html xmlns=\"http://www.w3.org/1999/xhtml\"><head><title><a href=\"https://laohu8.com/S/SINGF\">Singapore Airlines</a> launches 10-year Singapore dollar notes at 2.95% </title></head><body><p><span>SINGAPORE, Jan 20 (Reuters)</span><span> - </span>Singapore&#39;s national carrier, <a href=\"https://laohu8.com/S/SINGY\">Singapore Airlines</a> Ltd <span>SIAL.SI</span>, has launched a 10-year Singapore dollar senior note offering with initial price guidance at around 2.95%, a term sheet showed on Tuesday.</p><p>The notes are direct, unconditional, unsubordinated and unsecured obligations of the carrier and will be issued under its S$10 billion ($7.78 billion) multi-currency medium-term note programme, according to the sheet. </p><p>Proceeds will be used for aircraft purchases and related payments, and for general corporate or working capital purposes, including refinancing existing borrowings, the sheet showed.</p><p>The bonds pay interest semi-annually, with the first coupon due July 30, 2026, and mature on January 30, 2036. </p><p>DBS <span>DBSM.SI</span>, OCBC <span>OCBC.SI</span> and <a href=\"https://laohu8.com/S/UOVEF\">United Overseas</a> Bank <span>UOBH.SI</span> are joint global coordinators. Standard Chartered Bank <span>STAN.L</span> joins them as a joint lead manager and bookrunner.</p><p>($1 = 1.2853 Singapore dollars)</p><p> (Reporting by Yantoultra Ngui; Editing by Christian Schmollinger)</p><p> ((Yantoultra.Ngui@thomsonreuters.com;))</p></body></html>","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>Singapore Airlines Launches 10-Year Singapore Dollar Notes At 2.95%</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{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\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\">\nSingapore Airlines Launches 10-Year Singapore Dollar Notes At 2.95%\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1032215980\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time\">2026-01-20 10:55</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html xmlns=\"http://www.w3.org/1999/xhtml\"><head><title><a href=\"https://laohu8.com/S/SINGF\">Singapore Airlines</a> launches 10-year Singapore dollar notes at 2.95% </title></head><body><p><span>SINGAPORE, Jan 20 (Reuters)</span><span> - </span>Singapore&#39;s national carrier, <a href=\"https://laohu8.com/S/SINGY\">Singapore Airlines</a> Ltd <span>SIAL.SI</span>, has launched a 10-year Singapore dollar senior note offering with initial price guidance at around 2.95%, a term sheet showed on Tuesday.</p><p>The notes are direct, unconditional, unsubordinated and unsecured obligations of the carrier and will be issued under its S$10 billion ($7.78 billion) multi-currency medium-term note programme, according to the sheet. </p><p>Proceeds will be used for aircraft purchases and related payments, and for general corporate or working capital purposes, including refinancing existing borrowings, the sheet showed.</p><p>The bonds pay interest semi-annually, with the first coupon due July 30, 2026, and mature on January 30, 2036. </p><p>DBS <span>DBSM.SI</span>, OCBC <span>OCBC.SI</span> and <a href=\"https://laohu8.com/S/UOVEF\">United Overseas</a> Bank <span>UOBH.SI</span> are joint global coordinators. Standard Chartered Bank <span>STAN.L</span> joins them as a joint lead manager and bookrunner.</p><p>($1 = 1.2853 Singapore dollars)</p><p> (Reporting by Yantoultra Ngui; Editing by Christian Schmollinger)</p><p> ((Yantoultra.Ngui@thomsonreuters.com;))</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LU0048573645.USD":"富达东盟基金","LU1282649810.SGD":"Allianz Asian Multi Income Plus Cl AMg DIS H2-SGD","SGXZ58947870.SGD":"LIONGLOBAL SINGAPORE DIVIDEND EQUITY (SGDHDG) INC","LU1863844749.USD":"TEMPLETON EUROLAND \"A\" (USD) INC","IE00BKZH1Z71.USD":"BNY MELLON ASIAN INCOME \"B\" (USD) ACC","BK6523":"ESG概念","LU1668664300.SGD":"Blackrock World Financials A2 SGD-H","LU0762540952.USD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED INCOME \"AC\" (USD) ACC","LU0823038988.USD":"AMUNDI FUNDS ASIA EQUITY FOCUS  \"A2\" (USD) ACC","LU0348816934.USD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"AT\" (USD)","LU0823039010.USD":"AMUNDI FUNDS ASIA EQUITY FOCUS  \"A2\" (USD) INC","LU1206712785.SGD":"Aviva Investors - 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Asian Low Volatility Equity Fund ASDM SGD-H","LU0181495838.USD":"施罗德新兴亚洲A Acc","LU0061477393.USD":"CT (LUX) I ASIA EQUITY INCOME \"AU\" (USD) ACC","LU0261947096.USD":"FIDELITY FUNDS  SUSTAINABLE ASIA EQUITY \"A\" (USD) ACC","SG9999001135.SGD":"United ASEAN Fund SGD"},"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260120:nL1N3YL024:1","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2604168360","content_text":"Singapore Airlines launches 10-year Singapore dollar notes at 2.95% SINGAPORE, Jan 20 (Reuters) - Singapore's national carrier, Singapore Airlines Ltd SIAL.SI, has launched a 10-year Singapore dollar senior note offering with initial price guidance at around 2.95%, a term sheet showed on Tuesday.The notes are direct, unconditional, unsubordinated and unsecured obligations of the carrier and will be issued under its S$10 billion ($7.78 billion) multi-currency medium-term note programme, according to the sheet. Proceeds will be used for aircraft purchases and related payments, and for general corporate or working capital purposes, including refinancing existing borrowings, the sheet showed.The bonds pay interest semi-annually, with the first coupon due July 30, 2026, and mature on January 30, 2036. DBS DBSM.SI, OCBC OCBC.SI and United Overseas Bank UOBH.SI are joint global coordinators. Standard Chartered Bank STAN.L joins them as a joint lead manager and bookrunner.($1 = 1.2853 Singapore dollars) (Reporting by Yantoultra Ngui; Editing by Christian Schmollinger) ((Yantoultra.Ngui@thomsonreuters.com;))","news_type":1,"symbols_score_info":{"C6L.SI":1.95}},"isVote":1,"tweetType":1,"viewCount":48,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":519944427070232,"gmtCreate":1767974846525,"gmtModify":1767974848943,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"title":"","htmlText":"<a href=\"https://ttm.financial/S/CRML\">$CRITICAL METALS CORPORATION(CRML)$</a>&nbsp;","listText":"<a href=\"https://ttm.financial/S/CRML\">$CRITICAL METALS CORPORATION(CRML)$</a>&nbsp;","text":"$CRITICAL METALS CORPORATION(CRML)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/519944427070232","isVote":1,"tweetType":1,"viewCount":202,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":492206868525208,"gmtCreate":1761190252099,"gmtModify":1761192866587,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"htmlText":"DBS","listText":"DBS","text":"DBS","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/492206868525208","repostId":"2577343297","repostType":2,"repost":{"id":"2577343297","kind":"highlight","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings","home_visible":1,"media_name":"TigerNews SG","id":"1050470178","head_image":"https://community-static.tradeup.com/news/f17a9a7b68c877792d5e556261e9e709"},"pubTimestamp":1761188110,"share":"https://ttm.financial/m/news/2577343297?lang=en_US&edition=fundamental","pubTime":"2025-10-23 10:55","market":"nz","language":"en","title":"UOB vs OCBC: Which is a Better Buy?","url":"https://stock-news.laohu8.com/highlight/detail?id=2577343297","media":"TigerNews SG","summary":"With interest rates easing, the real question is how OCBC or UOB will adapt.","content":"<html><head></head><body><p>The three major banks in Singapore have long been important pillars of local portfolios.</p><p>These two banks - <a href=\"https://laohu8.com/S/U11.SI\">UOB</a> and  <a href=\"https://laohu8.com/S/O39.SI\">OCBC Bank</a> - have attracted attention because they have a good track record in terms of dividend payouts. This is not surprising.</p><p>As interest rates begin to gradually decline, investors are closely watching how these two banks will respond to the situation of lower profit margins and reduced loan demand.</p><p>UOB is increasing its business expansion in the region, while OCBC relies on its broader and more diversified business portfolio to maintain its development.</p><p>But the real question is which strategy will stand out when the interest rate cycle changes.</p><h2 id=\"id_1258007566\">UOB: Expanding regional footprint</h2><p>In recent years, UOB has been quietly expanding its business coverage in the ASEAN region.</p><p>The acquisition of  <a href=\"https://laohu8.com/S/C\">Citigroup</a>&#39;s consumer banking divisions in Malaysia, Thailand, Vietnam and Indonesia has brought the bank millions of new customers and enabled it to establish a foothold in some of the most dynamic markets in the region.</p><p>The current task is to achieve integration.</p><p>The management has been working hard to carry out product cross-selling activities, such as credit cards, personal loans and wealth management services, and over time, this has improved the profitability of the entire business network.</p><p>In the first half of 2025 (1H2025), the bank’s net interest income (NII) remained stable at S$4.7 billion.</p><p>Under non-interest income, net fee income recorded double-digit growth, supported by stronger wealth and card fees.</p><p>Overall, UOB earned about S$4 billion in operating profit, up 3% compared to a year ago.</p><p>UOB declared an interim dividend of S$0.85 per ordinary share, representing a payout ratio of approximately 50%, plus the second tranche of its special dividend worth S$0.25 per share, underscoring the management’s confidence in its capital strength.</p><p>The advantage of this local bank lies in its growth journey within the ASEAN region, namely its orderly and strategically significant expansion initiatives in economies such as Vietnam and Indonesia. In these countries, the continuous growth of residents&#39; income should support the credit demand.</p><p>Although short-term profits will be limited by the narrowing profit margins, its strong capital base and stable dividend record make it an ideal choice for investors who seek returns while also hoping to gain regional growth advantages.</p><h2 id=\"id_1046076525\">OCBC: A diversified source of revenue</h2><p>OCBC operates under a multi-engine model.</p><p>In addition to its traditional lending business, the bank has established a considerable business in the insurance and wealth management sectors, enabling it to gain an advantage when interest rates start to decline.</p><p>Through its 89% stake in Great Eastern Holdings, OCBC has been able to deeply participate in the rapidly growing life insurance and investment markets in the region. In the case of narrowing loan interest rates, this provides it with important revenue security.</p><p>That diversification works both ways. </p><p>It gives OCBC greater earnings stability over the long run, but it can also make quarterly results look a little uneven when insurance valuations swing with the markets.</p><p>For 1H2025, OCBC made about S$3.7 billion in profit — roughly 6% below last year’s level. </p><p>The softer showing mainly came from thinner lending margins and a quieter performance at its insurance arm.</p><p>The bank’s net interest margin eased to 1.98% for 1H2025, coming in at 1.92% in 2Q2025. </p><p>In fact, management guided that full-year margins to land somewhere around 1.9% to 1.95%, with higher funding costs still eating into spreads.</p><p>Lending was up by around 9% year on year, while deposits grew by 10% over the same period. </p><p>It’s a steady outcome that highlights the depth of OCBC’s customer base across the region.</p><p>Non-interest income climbed 8% year on year to S$2.6 billion, thanks to stronger card spending and wealth-management flows. </p><p>Elsewhere, the bank’s wealth management income, including private banking, premier private client, premier banking, insurance, asset management and stockbroking, inched up 4% year on year to about S$2.7 billion, making up a little more than a third of group income.</p><p>OCBC&#39;s diversified business provides it with multiple profit-making channels - including banking services, insurance services, and wealth management services - which help maintain stable performance during different economic cycles.</p><p>Although the narrowing of interest margins may bring short-term pressure, the bank&#39;s strong capital strength and stable commission income provide it with the impetus for sustainable development.</p><h2 id=\"id_1213042297\">Growth Potential: UOB vs OCBC</h2><p>What’s UOB’s edge?</p><p>The regional expansion of UOB has provided it with natural development space.</p><p>Citigroup&#39;s consumer asset integration initiative in the ASEAN region has enhanced its scale and expanded the coverage of its digital banking business.</p><p>As interest-based income returns to normal levels, the growth of fee income from wealth and payments will become a key factor.</p><p>On the other side, OCBC’s edge stems from its diversified platform. </p><p>The bank&#39;s business branches in the Greater China region, combined with its insurance department, have enabled it to explore market opportunities outside the ASEAN region.</p><p>The total managed assets increased by 11% year-on-year, reaching S$310 billion, indicating that the trend of wealth growth remains strong.</p><h2 id=\"id_2112999447\"></h2></body></html>","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>UOB vs OCBC: Which is a Better 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{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; 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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\">\nUOB vs OCBC: Which is a Better Buy?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1050470178\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/f17a9a7b68c877792d5e556261e9e709);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">TigerNews SG </p>\n<p class=\"h-time\">2025-10-23 10:55</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>The three major banks in Singapore have long been important pillars of local portfolios.</p><p>These two banks - <a href=\"https://laohu8.com/S/U11.SI\">UOB</a> and  <a href=\"https://laohu8.com/S/O39.SI\">OCBC Bank</a> - have attracted attention because they have a good track record in terms of dividend payouts. This is not surprising.</p><p>As interest rates begin to gradually decline, investors are closely watching how these two banks will respond to the situation of lower profit margins and reduced loan demand.</p><p>UOB is increasing its business expansion in the region, while OCBC relies on its broader and more diversified business portfolio to maintain its development.</p><p>But the real question is which strategy will stand out when the interest rate cycle changes.</p><h2 id=\"id_1258007566\">UOB: Expanding regional footprint</h2><p>In recent years, UOB has been quietly expanding its business coverage in the ASEAN region.</p><p>The acquisition of  <a href=\"https://laohu8.com/S/C\">Citigroup</a>&#39;s consumer banking divisions in Malaysia, Thailand, Vietnam and Indonesia has brought the bank millions of new customers and enabled it to establish a foothold in some of the most dynamic markets in the region.</p><p>The current task is to achieve integration.</p><p>The management has been working hard to carry out product cross-selling activities, such as credit cards, personal loans and wealth management services, and over time, this has improved the profitability of the entire business network.</p><p>In the first half of 2025 (1H2025), the bank’s net interest income (NII) remained stable at S$4.7 billion.</p><p>Under non-interest income, net fee income recorded double-digit growth, supported by stronger wealth and card fees.</p><p>Overall, UOB earned about S$4 billion in operating profit, up 3% compared to a year ago.</p><p>UOB declared an interim dividend of S$0.85 per ordinary share, representing a payout ratio of approximately 50%, plus the second tranche of its special dividend worth S$0.25 per share, underscoring the management’s confidence in its capital strength.</p><p>The advantage of this local bank lies in its growth journey within the ASEAN region, namely its orderly and strategically significant expansion initiatives in economies such as Vietnam and Indonesia. In these countries, the continuous growth of residents&#39; income should support the credit demand.</p><p>Although short-term profits will be limited by the narrowing profit margins, its strong capital base and stable dividend record make it an ideal choice for investors who seek returns while also hoping to gain regional growth advantages.</p><h2 id=\"id_1046076525\">OCBC: A diversified source of revenue</h2><p>OCBC operates under a multi-engine model.</p><p>In addition to its traditional lending business, the bank has established a considerable business in the insurance and wealth management sectors, enabling it to gain an advantage when interest rates start to decline.</p><p>Through its 89% stake in Great Eastern Holdings, OCBC has been able to deeply participate in the rapidly growing life insurance and investment markets in the region. In the case of narrowing loan interest rates, this provides it with important revenue security.</p><p>That diversification works both ways. </p><p>It gives OCBC greater earnings stability over the long run, but it can also make quarterly results look a little uneven when insurance valuations swing with the markets.</p><p>For 1H2025, OCBC made about S$3.7 billion in profit — roughly 6% below last year’s level. </p><p>The softer showing mainly came from thinner lending margins and a quieter performance at its insurance arm.</p><p>The bank’s net interest margin eased to 1.98% for 1H2025, coming in at 1.92% in 2Q2025. </p><p>In fact, management guided that full-year margins to land somewhere around 1.9% to 1.95%, with higher funding costs still eating into spreads.</p><p>Lending was up by around 9% year on year, while deposits grew by 10% over the same period. </p><p>It’s a steady outcome that highlights the depth of OCBC’s customer base across the region.</p><p>Non-interest income climbed 8% year on year to S$2.6 billion, thanks to stronger card spending and wealth-management flows. </p><p>Elsewhere, the bank’s wealth management income, including private banking, premier private client, premier banking, insurance, asset management and stockbroking, inched up 4% year on year to about S$2.7 billion, making up a little more than a third of group income.</p><p>OCBC&#39;s diversified business provides it with multiple profit-making channels - including banking services, insurance services, and wealth management services - which help maintain stable performance during different economic cycles.</p><p>Although the narrowing of interest margins may bring short-term pressure, the bank&#39;s strong capital strength and stable commission income provide it with the impetus for sustainable development.</p><h2 id=\"id_1213042297\">Growth Potential: UOB vs OCBC</h2><p>What’s UOB’s edge?</p><p>The regional expansion of UOB has provided it with natural development space.</p><p>Citigroup&#39;s consumer asset integration initiative in the ASEAN region has enhanced its scale and expanded the coverage of its digital banking business.</p><p>As interest-based income returns to normal levels, the growth of fee income from wealth and payments will become a key factor.</p><p>On the other side, OCBC’s edge stems from its diversified platform. </p><p>The bank&#39;s business branches in the Greater China region, combined with its insurance department, have enabled it to explore market opportunities outside the ASEAN region.</p><p>The total managed assets increased by 11% year-on-year, reaching S$310 billion, indicating that the trend of wealth growth remains strong.</p><h2 id=\"id_2112999447\"></h2></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"O39.SI":"华侨银行","U11.SI":"大华银行"},"source_url":"https://thesmartinvestor.com.sg/uob-vs-ocbc-which-bank-offers-the-better-blend-of-growth-and-dividends/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2577343297","content_text":"The three major banks in Singapore have long been important pillars of local portfolios.These two banks - UOB and  OCBC Bank - have attracted attention because they have a good track record in terms of dividend payouts. This is not surprising.As interest rates begin to gradually decline, investors are closely watching how these two banks will respond to the situation of lower profit margins and reduced loan demand.UOB is increasing its business expansion in the region, while OCBC relies on its broader and more diversified business portfolio to maintain its development.But the real question is which strategy will stand out when the interest rate cycle changes.UOB: Expanding regional footprintIn recent years, UOB has been quietly expanding its business coverage in the ASEAN region.The acquisition of  Citigroup's consumer banking divisions in Malaysia, Thailand, Vietnam and Indonesia has brought the bank millions of new customers and enabled it to establish a foothold in some of the most dynamic markets in the region.The current task is to achieve integration.The management has been working hard to carry out product cross-selling activities, such as credit cards, personal loans and wealth management services, and over time, this has improved the profitability of the entire business network.In the first half of 2025 (1H2025), the bank’s net interest income (NII) remained stable at S$4.7 billion.Under non-interest income, net fee income recorded double-digit growth, supported by stronger wealth and card fees.Overall, UOB earned about S$4 billion in operating profit, up 3% compared to a year ago.UOB declared an interim dividend of S$0.85 per ordinary share, representing a payout ratio of approximately 50%, plus the second tranche of its special dividend worth S$0.25 per share, underscoring the management’s confidence in its capital strength.The advantage of this local bank lies in its growth journey within the ASEAN region, namely its orderly and strategically significant expansion initiatives in economies such as Vietnam and Indonesia. In these countries, the continuous growth of residents' income should support the credit demand.Although short-term profits will be limited by the narrowing profit margins, its strong capital base and stable dividend record make it an ideal choice for investors who seek returns while also hoping to gain regional growth advantages.OCBC: A diversified source of revenueOCBC operates under a multi-engine model.In addition to its traditional lending business, the bank has established a considerable business in the insurance and wealth management sectors, enabling it to gain an advantage when interest rates start to decline.Through its 89% stake in Great Eastern Holdings, OCBC has been able to deeply participate in the rapidly growing life insurance and investment markets in the region. In the case of narrowing loan interest rates, this provides it with important revenue security.That diversification works both ways. It gives OCBC greater earnings stability over the long run, but it can also make quarterly results look a little uneven when insurance valuations swing with the markets.For 1H2025, OCBC made about S$3.7 billion in profit — roughly 6% below last year’s level. The softer showing mainly came from thinner lending margins and a quieter performance at its insurance arm.The bank’s net interest margin eased to 1.98% for 1H2025, coming in at 1.92% in 2Q2025. In fact, management guided that full-year margins to land somewhere around 1.9% to 1.95%, with higher funding costs still eating into spreads.Lending was up by around 9% year on year, while deposits grew by 10% over the same period. It’s a steady outcome that highlights the depth of OCBC’s customer base across the region.Non-interest income climbed 8% year on year to S$2.6 billion, thanks to stronger card spending and wealth-management flows. Elsewhere, the bank’s wealth management income, including private banking, premier private client, premier banking, insurance, asset management and stockbroking, inched up 4% year on year to about S$2.7 billion, making up a little more than a third of group income.OCBC's diversified business provides it with multiple profit-making channels - including banking services, insurance services, and wealth management services - which help maintain stable performance during different economic cycles.Although the narrowing of interest margins may bring short-term pressure, the bank's strong capital strength and stable commission income provide it with the impetus for sustainable development.Growth Potential: UOB vs OCBCWhat’s UOB’s edge?The regional expansion of UOB has provided it with natural development space.Citigroup's consumer asset integration initiative in the ASEAN region has enhanced its scale and expanded the coverage of its digital banking business.As interest-based income returns to normal levels, the growth of fee income from wealth and payments will become a key factor.On the other side, OCBC’s edge stems from its diversified platform. The bank's business branches in the Greater China region, combined with its insurance department, have enabled it to explore market opportunities outside the ASEAN region.The total managed assets increased by 11% year-on-year, reaching S$310 billion, indicating that the trend of wealth growth remains strong.","news_type":1,"symbols_score_info":{"U11.SI":1.5,"O39.SI":1.5}},"isVote":1,"tweetType":1,"viewCount":745,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":389804331884608,"gmtCreate":1736174690726,"gmtModify":1736175347408,"author":{"id":"4165734312365272","authorId":"4165734312365272","name":"Sweetmusang","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4165734312365272","idStr":"4165734312365272"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/DXYZ\">$Destiny Tech100 Inc(DXYZ)$&nbsp;</a>&nbsp;","listText":"<a href=\"https://ttm.financial/S/DXYZ\">$Destiny Tech100 Inc(DXYZ)$&nbsp;</a>&nbsp;","text":"$Destiny Tech100 Inc(DXYZ)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/389804331884608","isVote":1,"tweetType":1,"viewCount":1217,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}