Buy the dip for long term on $UOB(U11.SI)$. The management already anticipates double digit fee income growth while maintaining cost discipline with low single digit operating expense growth. It is confirmed that the elevated Q3 provisions were strategic in nature rather than a response to any deteriorating asset quality. The management’s decision to build a substantial provision buffer while explicitly protecting the 2025 final dividend suggests they’re prioritizing long term shareholder returns over short term reported earnings. For income investors with a long term perspective, this conservative approach may prove more valuable than maximizing quarterly profits. 2026 may be getting unpredictable, but UoB will be sure to continue thriving. Thanks @Tiger_SG @TigerStars @Tiger_comments