UOB Drops 4% on Profit Decline! Can OCBC Buck the Trend?

UOB’s Q4 net profit fell 7% to S$1.41B, missing estimates, as lower rates compressed margins. FY2025 profit dropped 23% to S$4.7B, partly due to nearly S$1B in provisions. The bank trimmed its 2026 fee growth outlook to high single digits amid macro uncertainty. Yet across its four core Asean markets (Indonesia, Malaysia, Thailand, Vietnam), total income rose 5%, outperforming the group’s 3% decline. Management remains upbeat on intra-regional trade resilience despite fresh US tariffs. Prolonged margin pressure in a lower-rate cycle? What to focus for OCBC?

avatarkoolgal
02-24 17:38

Is UOB A Buy or A Bye?

🌟🌟🌟The 4.6% drop in UOB $UOB(U11.SI)$  following its earnings release this morning has clearly rattled the market, especially as it follows record highs across the STI Index.  To determine if this is a Buying opportunity or a Bye, we have to look past the headline miss. The Knee Jerk Reaction from the Market  The sell off was likely a reaction to 3 specific unpleasant surprises that the market did not like: Dividend Cut:  The SGD 0.71 final dividend was a 23% drop from last year.  This hurts income seeking investors who were spoiled by DBS's recent generosity. Guidance Trim:  CEO Wee Ee Cheong's more cautious outlook on 2026 fee growth - now in high single digits, suggests the post Cit
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Is UOB A Buy or A Bye?
avatarSporeshare
02-24 14:16
$UOB(U11.SI)$    UOB Group reported an operating profit of S$7.7 billion for the financial year ended 31 December 2025 (FY25), driven by strong fee momentum across our wholesale banking and retail banking businesses. Net profit for FY25 moderated 23% to S$4.7 billion from the previous year, largely due to the pre-emptive general allowances that the Group proactively set aside in the third quarter to strengthen provision coverage amid growing macroeconomic uncertainties. The Board recommends the payment of a final dividend of 71 cents per ordinary share. Together with the interim dividend of 85 cents per ordinary share, the total dividend for FY25 will be S$1.56per ordinary share, representing a payout ratio of approximately 50%. In rec
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avatarTigerNews_SG
02-24 09:03

SG Morning Call | UOB Stock dwon 4% After Profit Drops as Lending Income, Trading Declines

Market Snapshot Singapore stocks opened higher on Tuesday. STI rose 0.3%; Nio up 2%; SIA up 1%; UOB down 4%. Stocks in Focus $UOB(U11.SI)$: The bank’s net profit for the fourth quarter fell 7 per cent on the back of margin pressures from lower benchmark rates, it said on Tuesday. Net profit for the three months ended Dec 31, 2025, came in at S$1.41 billion, compared with S$1.52 billion a year earlier. The bank declared a dividend of S$0.71 per share for the half-year, bringing the full-year dividend to S$1.56 per share. Net interest income fell 4 per cent to S$2.35 billion. Shares of UOB closed 0.5 per cent or S$0.20 higher at S$38.80 on Monday. $OCBC Bank(O39.SI)$: Environmental group Market Forces h
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SG Morning Call | UOB Stock dwon 4% After Profit Drops as Lending Income, Trading Declines
avatarHuat99
02-24 19:57
🏦 $UOB(U11.SI)$ Q4 & FY25 earnings just dropped, and the market reaction was swift with a 4% slide! The stock is now sitting flat YTD for 2026. Where does Singapore’s banking giant go from here? We broke down the data. 🟢 BULLS (Score 3.4): Pointing to core resilience! UOB beat FY25 net profit estimates at S$4.68B. Asset quality remains rock solid with NPL at 1.5%, Q4 fee income is growing, and they maintained a highly sustainable dividend payout. 🔴 BEARS (Score 4.0): Focused on the heavy headwinds. Q4 profit missed expectations, down 7% YoY, while full-year profit plunged 23%. Net Interest Margins (NIM) are under severe pressure, and management just trimmed their 2026 fee-growth guidance. ⚖️ The Bears take the lead today on near-term re
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avatarThe Investing Iguana
02-24 14:16

UOB’s FY25 Audit: A 200-Basis Point Spread in a Season of "Vanishing Customers" |🦖EP1446

UOB’s FY25 Audit: A 200-Basis Point Spread in a Season of "Vanishing Customers" |🦖EP1446 I have been watching the local bank earnings reports roll in over the last week and something clicked for me regarding UOB that I felt compelled to share with our community of 6,000+ subscribers. While the mainstream headlines are busy celebrating a record fee income of $2.6 billion, I spent my evening digging into the footnotes of the wholesale credit provisions. There is a clear gap between the glossy narrative of a victory lap and the hard math of a 23 percent profit plunge. It feels like a celebration. But here is the uncomfortable truth: that attractive dividend is currently sitting on an engine showing signs of stress. When we look at the yield spread, we see a risk premium of only 86 basis point
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UOB’s FY25 Audit: A 200-Basis Point Spread in a Season of "Vanishing Customers" |🦖EP1446
avatarECLC
02:26
UOB profit dropped but read an article that mentioned it beats expectations. So think can buy more if price dips further. Waiting OCBC report to digest the relative performance of the 3 big banks.
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avatarchaicka
02-24 18:45
$OCBC Bank(O39.SI)$  is due for correction as its current price is overvalued. DBS Q4 net profit dip 5.6% and stock price correction for following days after report out. UOB Q4 net profit dip 7.4% and same day correction peaked at 4.64% ($37.00). OCBC should follow suit and perhaps Q4 net profit dip may be between 6.2%-6.8%. 😁 Time for those who trimmed during OCBC Jan-Feb peak price $27.7x to redeploy again. 😂
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avatarkoolgal
02-23 06:57

The Star Performers Of The STI 5,000 Sprint

🧧🧧🧧The Year of the Fire Horse has officially turned the Straits Times Index (STI) into a global legend!  On 12 February 2026, the impossible happened: the STI crossed the historic 5,000 barrier.  This monumental roar was powered by a stable of star performers that have all hit their own record breaking strides this Lunar New Year. The Star Performers: Champions of the 5,000 Sprint  The Fire Horse doesn't run alone.  It is supported by the strongest 4 Singapore bluechip stocks that the Singapore market has not seen in decades: DBS - The Lion King  $DBS(D05.SI)$ led the charge, recently peaking at an all time high of SGD 60.00.  DBS reported strong FY2025 results on 9 February 2026,
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The Star Performers Of The STI 5,000 Sprint
avatarMaxWin
02-24 22:21
Please like my post!
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avatarHCLim
02-24 17:55
I will hold Singapore bank for long term as it still core to Singapore.
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avatarGreenArt
02-24 12:25
$UOB(U11.SI)$  it took DBS about 5 trade days to stop the drop after reporting. Will history repeat here?  When DBS - being the biggest bank reporting profit drop, my six sense told me likely all local banks may face similar outcome. 😅 Let's see the next reporting by ocbc...hopefully i am wrong and ocbc can be better.
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avatarShunsund
02-23 22:29
$OCBC Bank(O39.SI)$  buy DBS or buy more ocbc ?
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avatarHTChin
02-23 17:12
$UOB(U11.SI)$  Today closed at $38.80 and tomorrow will be a break ($40) or broke ($37) day depending on the 2025 financial results. Good luck 🍊 🍊 
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avatarOneC
02-23 11:08
$UOB(U11.SI)$   financial result out soon. Hope it's a booster 
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avatarMonKeyTgr
02-21
$OCBC Bank(O39.SI)$ going for more growth bedore taking profits
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avatarchaicka
02-20
$OCBC Bank(O39.SI)$  has been a slow and steady contributor towards offsetting mortgage's interest and perhaps even principal over the years. In the upcoming future, it will shift into a different role - funding retirement lifestyle. 👍🏼😂
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