To The Moon

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🏦 $UOB(U11.SI)$ 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

$OCBC Bank(O39.SI)$  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. 😂

I will hold Singapore bank for long term as it still core to Singapore.

🌟🌟🌟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

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

$UOB(U11.SI)$    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

$UOB(U11.SI)$  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.

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

$OCBC Bank(O39.SI)$  buy DBS or buy more ocbc ?

$UOB(U11.SI)$  Today closed at $38.80 and tomorrow will be a break ($40) or broke ($37) day depending on the 2025 financial results. Good luck 🍊 🍊 

$UOB(U11.SI)$   financial result out soon. Hope it's a booster 

🧧🧧🧧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,

$OCBC Bank(O39.SI)$  share to earn coin 

$OCBC Bank(O39.SI)$ going for more growth bedore taking profits

$OCBC Bank(O39.SI)$  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. 👍🏼😂

🌟🌟🌟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

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

🏦 $UOB(U11.SI)$ 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

$UOB(U11.SI)$    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

Please like my post!

$OCBC Bank(O39.SI)$  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. 😂

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

I will hold Singapore bank for long term as it still core to Singapore.

🧧🧧🧧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,

$UOB(U11.SI)$  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.

$OCBC Bank(O39.SI)$  buy DBS or buy more ocbc ?

$UOB(U11.SI)$  Today closed at $38.80 and tomorrow will be a break ($40) or broke ($37) day depending on the 2025 financial results. Good luck 🍊 🍊 

$UOB(U11.SI)$   financial result out soon. Hope it's a booster 

$OCBC Bank(O39.SI)$  share to earn coin 

$OCBC Bank(O39.SI)$ going for more growth bedore taking profits

$OCBC Bank(O39.SI)$  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. 👍🏼😂