As I reflect on their role in a portfolio, I see Singapore banks not as high-growth engines, but as anchors. They provide stability, income, and moderate growth. They are the kind of investments that allow you to sleep well at night, knowing that the business is unlikely to face existential threats under normal conditions. At the same time, they are unlikely to deliver extraordinary returns without favorable macro conditions. For the investing community, especially those of us in Asia, there is a valuable lesson here. Not every investment needs to be exciting. In fact, the most effective long-term strategies often combine steady performers with selective growth opportunities. Singapore banks fit well into the “steady performer” category. They may not dominate headlines, but they quietly d

🌟🌟🌟I am so grateful that I have invested in all 3 Singapore banks as they have shown that they are resilient and continue to grow slow and steadily over the years.   This is despite geopolitical headwinds like the current Iran war and the Trump tariffs. One of the biggest risks for the 3 banks is expectation of interest rate cuts which would impact their net interest margins (NIM). However I believe that wealth management would continue to grow exponentially for the 3 banks as Singapore is regarded as a safe haven in these turbulent times. In the meantime I have been rewarded with the nice juicy dividends that all 3 banks offer, which is a great source of passive income for me. As a Singaporean, investing in DBS, OCBC and UOB is like owning a little piece of Singapore's economic

$DBS(D05.SI)$ $OCBC Bank(O39.SI)$ $UOB(U11.SI)$ SG Banks earnings season is officially underway, with DBS firing the first shot on April 30, followed by UOB on May 7 and OCBC on May 8, and Goldman’s latest report delivers a clear message: overall results should be “decent enough,” but the divergence among the Big Three is becoming impossible to ignore. 😤 Net interest margin pressure remains a persistent headwind across the board as rates ease, while wealth management continues to shine as the bright spot driving non-interest income. Credit costs are the biggest hidden risk, with any unexpected spike potentially derailing the otherwise stable outlook. This e

I’m still leaning toward $DBS(D05.SI)$ and $ocbc bank(O39.SI)$ this earnings season. It’s less about peak NIM now, and more about who can offset the pressure. DBS is my more “offensive” pick — if wealth management and capital markets recover, it has the strongest upside. The key watch is its full-year NIM guidance, which will drive re-rating. OCBC remains my defensive anchor. Its wealth management strength and conservative balance sheet should cushion margin pressure. If this quarter is more about managing downside than beating expectations, I think OCBC holds up better with steadier earnings. I’m more cautious on $UOB(U11.SI)$ due to ASEAN exposure an

Dbs looks most logical yet it's ocbc that's rising more

SG bank earnings season coming, guess DBS looks promising as the wealth engine. Since it will fire the first shot, the baseline expectations for UOB and OCBC are set to keep investors busy in early May.

Thank you for your sharing. Appreciate your good work

I used to have the best pair $DBS(D05.SI)$ and$UOB(U11.SI)$. Sold of $DBS(D05.SI)$ to realised profit and waiting for opportunities to build up the position again.

Goldman’s overall forecast for 1Q26 is: quarter-on-quarter recovery, but mild year-on-year pressure. Three numbers will determine the direction of share prices on earnings day: the actual decline in net interest income (NII), the resilience of wealth management fees and cost of credit (CoC) The main drag is structural net interest margin (NIM) compression. Both SORA (Singapore Overnight Rate Average) and HIBOR (Hong Kong Interbank Offered Rate) have moved lower, putting unavoidable pressure on the big three banks’ NII

DBS is the largest of the three by market capitalization and also the most diversified. It is Goldman’s other clear Buy-rated name. The core investment case for DBS is that its fee income mix is more exposed than UOB and OCBC to wealth management and capital markets, both of which are seeing the strongest seasonal recovery this quarter. Two numbers matter most for DBS this quarter: the growth rate of wealth management AUM & management’s updated guidance for full-year NIM

1. Currently holding $DBS(D05.SI)$ 2. Largesr earnings risk this quarter is in retail lending growth rates 3. Bank valuations are very high historically on high growth prospects 4. Current valuations of 1.1x to 1.6x price to book ratio with dividend yields of 5% to 6% is in line with historic rates

just hold all 3. banks no surprise. the biggest surprise is when they don't go up

I wish I could hold All 3 [Happy] but 2 is the limit (DBS & UOB) [Happy]. They are still one of the best pairs [Heart] on my portfolio [Call] [Allin]. I hope UOB will be the dark horse 🐎 in the coming earnings report 🙏 @Shyon @Barcode @Shernice軒嬣 2000 @Aqa @koolgal @JC888 @DiAngel