OCBC Bank Last:23.94

-0.06

do not bet against the sg bank shares

first they attract the money to come in

https://freebooksummary.com/two-integrate-resorts-marina-bay-sands

then they started 2011 long term property curbs

https://www.aljazeera.com/economy/2022/9/30/singapore-tightens-property-curbs-to-cool-demand

chartistkao1 ( Date: 16-Jun-2023 14:04) Posted:

behind every sg property there is a human from 2005 to 2023
" Behind every stock is a company. Find out what it' s doing," underscores the idea that investors should thoroughly research and comprehend the fundamentals of a company before investing in its stock.
Lynch' s investment philosophy revolved around investing in companies whose businesses he understood and believed in. He emphasized the significance of conducting in-depth analysis, studying financial statements, understanding the company' s products or services, evaluating its competitive position, and assessing its growth potential. By gaining insights into a company' s operations, market position, and industry dynamics, investors can make more informed decisions about its stock.
Lynch believed that individual investors have an advantage over institutional investors, as they have the freedom and flexibility to research and invest in smaller, lesser-known companies. He encouraged investors to utilize their knowledge and observation skills to identify promising investment opportunities that institutional investors might overlook.
Overall, Lynch' s quote reminds investors to focus on the underlying company' s activities, prospects, and financial performance rather than simply speculating on short-term stock price movements. By understanding a company' s operations, investors can make more informed investment decisions and potentially achieve long-term success in the stock market.

chartistkao1 ( Date: 16-Jun-2023 14:00) Posted:

2005 money came to singapore

file:///C:/Users/tan/Downloads/ministerial-statement---pm-18apr05.pdf

in 2011 around 6 years later

https://www.cnbc.com/2011/05/29/singapores-property-market-headed-towards-a-perfect-storm.html

Successful investing requires self-control, discipline, and a long-term perspective. It' s about developing a sound investment strategy that aligns with your objectives and then sticking to that plan, regardless of what others may be doing or saying.
Emotional decision-making and reacting to short-term market fluctuations can lead to poor investment outcomes. By maintaining control over your emotions and adhering to your own investment strategy, you can avoid making impulsive or fear-driven decisions.
Additionally, focusing on your own game means recognizing that everyone has unique financial circumstances, goals, and risk tolerances. What works for someone else may not be suitable for you. It' s important to define your own investment approach based on your individual situation and stay committed to it.
Ultimately, investing is a personal journey, and success is measured by achieving your own financial objectives, rather than comparing yourself to others. By remaining disciplined, staying focused on your long-term goals, and making informed decisions, you can increase your chances of achieving investment success.

behind every sg property there is a human from 2005 to 2023
" Behind every stock is a company. Find out what it' s doing," underscores the idea that investors should thoroughly research and comprehend the fundamentals of a company before investing in its stock.
Lynch' s investment philosophy revolved around investing in companies whose businesses he understood and believed in. He emphasized the significance of conducting in-depth analysis, studying financial statements, understanding the company' s products or services, evaluating its competitive position, and assessing its growth potential. By gaining insights into a company' s operations, market position, and industry dynamics, investors can make more informed decisions about its stock.
Lynch believed that individual investors have an advantage over institutional investors, as they have the freedom and flexibility to research and invest in smaller, lesser-known companies. He encouraged investors to utilize their knowledge and observation skills to identify promising investment opportunities that institutional investors might overlook.
Overall, Lynch' s quote reminds investors to focus on the underlying company' s activities, prospects, and financial performance rather than simply speculating on short-term stock price movements. By understanding a company' s operations, investors can make more informed investment decisions and potentially achieve long-term success in the stock market.

chartistkao1 ( Date: 16-Jun-2023 14:00) Posted:

2005 money came to singapore

file:///C:/Users/tan/Downloads/ministerial-statement---pm-18apr05.pdf

in 2011 around 6 years later

https://www.cnbc.com/2011/05/29/singapores-property-market-headed-towards-a-perfect-storm.html

Successful investing requires self-control, discipline, and a long-term perspective. It' s about developing a sound investment strategy that aligns with your objectives and then sticking to that plan, regardless of what others may be doing or saying.
Emotional decision-making and reacting to short-term market fluctuations can lead to poor investment outcomes. By maintaining control over your emotions and adhering to your own investment strategy, you can avoid making impulsive or fear-driven decisions.
Additionally, focusing on your own game means recognizing that everyone has unique financial circumstances, goals, and risk tolerances. What works for someone else may not be suitable for you. It' s important to define your own investment approach based on your individual situation and stay committed to it.
Ultimately, investing is a personal journey, and success is measured by achieving your own financial objectives, rather than comparing yourself to others. By remaining disciplined, staying focused on your long-term goals, and making informed decisions, you can increase your chances of achieving investment success.

chartistkao1 ( Date: 16-Jun-2023 13:51) Posted:

https://www.blockdata.tech/blog/general/top-banks-investing-in-crypto-and-blockchain-may-2022-update

the stock market is often characterized by cycles and the influence of human behavior, which can lead to overreactions in both bullish (upward) and bearish (downward) directions. Let' s explore this statement in more detail.

Cycles in the Stock Market: The stock market tends to go through various cycles, including bull markets and bear markets. Bull markets are characterized by prolonged periods of rising stock prices, increased investor optimism, and positive economic sentiment. Bear markets, on the other hand, involve extended periods of falling stock prices, decreased investor confidence, and negative economic outlook.

These cycles are driven by a variety of factors, such as economic conditions, interest rates, corporate earnings, geopolitical events, and investor sentiment. While the duration and magnitude of these cycles can vary, they reflect the natural ebb and flow of market dynamics.

Human Behavior and Overreactions: Human behavior plays a significant role in shaping stock market movements. Investors' emotions, cognitive biases, and herd mentality can lead to overreactions in both positive and negative directions. Here are a few behavioral phenomena that contribute to these overreactions:

a. Greed and Fear: Investors often exhibit excessive optimism during bull markets, driven by greed and the fear of missing out (FOMO). This can lead to overvalued stocks and speculative bubbles. Conversely, during bear markets, fear and pessimism can cause investors to panic sell, driving prices lower than their fundamental value.
b. Herding Behavior: People have a tendency to follow the crowd, assuming that the collective wisdom of the market is superior to individual judgment. This herding behavior can amplify market movements, causing exaggerated price swings. When a large number of investors rush to buy or sell, it can create momentum that fuels further overreactions.
c. Cognitive Biases: Investors are subject to various cognitive biases, such as confirmation bias (favoring information that supports existing beliefs), recency bias (giving more weight to recent events), and anchoring bias (relying too heavily on initial information). These biases can distort decision-making and contribute to overreactions.
d. Market Manipulation: In some cases, market participants intentionally manipulate stock prices through tactics like spreading false information or engaging in illegal trading activities. Such manipulations can create artificial price movements and contribute to overreactions.
Overall, the stock market' s story is a complex interplay between cycles driven by economic factors and the human behavior that can amplify and exaggerate these cycles. Recognizing these dynamics and understanding the psychological aspects of investing can help investors navigate the market with greater awareness and make more informed decisions.

2005 money came to singapore

file:///C:/Users/tan/Downloads/ministerial-statement---pm-18apr05.pdf

in 2011 around 6 years later

https://www.cnbc.com/2011/05/29/singapores-property-market-headed-towards-a-perfect-storm.html

Successful investing requires self-control, discipline, and a long-term perspective. It' s about developing a sound investment strategy that aligns with your objectives and then sticking to that plan, regardless of what others may be doing or saying.
Emotional decision-making and reacting to short-term market fluctuations can lead to poor investment outcomes. By maintaining control over your emotions and adhering to your own investment strategy, you can avoid making impulsive or fear-driven decisions.
Additionally, focusing on your own game means recognizing that everyone has unique financial circumstances, goals, and risk tolerances. What works for someone else may not be suitable for you. It' s important to define your own investment approach based on your individual situation and stay committed to it.
Ultimately, investing is a personal journey, and success is measured by achieving your own financial objectives, rather than comparing yourself to others. By remaining disciplined, staying focused on your long-term goals, and making informed decisions, you can increase your chances of achieving investment success.

chartistkao1 ( Date: 16-Jun-2023 13:51) Posted:

https://www.blockdata.tech/blog/general/top-banks-investing-in-crypto-and-blockchain-may-2022-update

the stock market is often characterized by cycles and the influence of human behavior, which can lead to overreactions in both bullish (upward) and bearish (downward) directions. Let' s explore this statement in more detail.

Cycles in the Stock Market: The stock market tends to go through various cycles, including bull markets and bear markets. Bull markets are characterized by prolonged periods of rising stock prices, increased investor optimism, and positive economic sentiment. Bear markets, on the other hand, involve extended periods of falling stock prices, decreased investor confidence, and negative economic outlook.

These cycles are driven by a variety of factors, such as economic conditions, interest rates, corporate earnings, geopolitical events, and investor sentiment. While the duration and magnitude of these cycles can vary, they reflect the natural ebb and flow of market dynamics.

Human Behavior and Overreactions: Human behavior plays a significant role in shaping stock market movements. Investors' emotions, cognitive biases, and herd mentality can lead to overreactions in both positive and negative directions. Here are a few behavioral phenomena that contribute to these overreactions:

a. Greed and Fear: Investors often exhibit excessive optimism during bull markets, driven by greed and the fear of missing out (FOMO). This can lead to overvalued stocks and speculative bubbles. Conversely, during bear markets, fear and pessimism can cause investors to panic sell, driving prices lower than their fundamental value.
b. Herding Behavior: People have a tendency to follow the crowd, assuming that the collective wisdom of the market is superior to individual judgment. This herding behavior can amplify market movements, causing exaggerated price swings. When a large number of investors rush to buy or sell, it can create momentum that fuels further overreactions.
c. Cognitive Biases: Investors are subject to various cognitive biases, such as confirmation bias (favoring information that supports existing beliefs), recency bias (giving more weight to recent events), and anchoring bias (relying too heavily on initial information). These biases can distort decision-making and contribute to overreactions.
d. Market Manipulation: In some cases, market participants intentionally manipulate stock prices through tactics like spreading false information or engaging in illegal trading activities. Such manipulations can create artificial price movements and contribute to overreactions.
Overall, the stock market' s story is a complex interplay between cycles driven by economic factors and the human behavior that can amplify and exaggerate these cycles. Recognizing these dynamics and understanding the psychological aspects of investing can help investors navigate the market with greater awareness and make more informed decisions.

chartistkao1 ( Date: 27-Apr-2023 13:43) Posted:

sgd -middle man role vs usd -sgd vs-yuan

https://www.channelnewsasia.com/business/yuan-overtakes-dollar-become-most-used-currency-chinas-cross-border-transactions-3445601

https://www.youtube.com/watch?v=TfsfvL0C88U

https://www.blockdata.tech/blog/general/top-banks-investing-in-crypto-and-blockchain-may-2022-update

the stock market is often characterized by cycles and the influence of human behavior, which can lead to overreactions in both bullish (upward) and bearish (downward) directions. Let' s explore this statement in more detail.

Cycles in the Stock Market: The stock market tends to go through various cycles, including bull markets and bear markets. Bull markets are characterized by prolonged periods of rising stock prices, increased investor optimism, and positive economic sentiment. Bear markets, on the other hand, involve extended periods of falling stock prices, decreased investor confidence, and negative economic outlook.

These cycles are driven by a variety of factors, such as economic conditions, interest rates, corporate earnings, geopolitical events, and investor sentiment. While the duration and magnitude of these cycles can vary, they reflect the natural ebb and flow of market dynamics.

Human Behavior and Overreactions: Human behavior plays a significant role in shaping stock market movements. Investors' emotions, cognitive biases, and herd mentality can lead to overreactions in both positive and negative directions. Here are a few behavioral phenomena that contribute to these overreactions:

a. Greed and Fear: Investors often exhibit excessive optimism during bull markets, driven by greed and the fear of missing out (FOMO). This can lead to overvalued stocks and speculative bubbles. Conversely, during bear markets, fear and pessimism can cause investors to panic sell, driving prices lower than their fundamental value.
b. Herding Behavior: People have a tendency to follow the crowd, assuming that the collective wisdom of the market is superior to individual judgment. This herding behavior can amplify market movements, causing exaggerated price swings. When a large number of investors rush to buy or sell, it can create momentum that fuels further overreactions.
c. Cognitive Biases: Investors are subject to various cognitive biases, such as confirmation bias (favoring information that supports existing beliefs), recency bias (giving more weight to recent events), and anchoring bias (relying too heavily on initial information). These biases can distort decision-making and contribute to overreactions.
d. Market Manipulation: In some cases, market participants intentionally manipulate stock prices through tactics like spreading false information or engaging in illegal trading activities. Such manipulations can create artificial price movements and contribute to overreactions.
Overall, the stock market' s story is a complex interplay between cycles driven by economic factors and the human behavior that can amplify and exaggerate these cycles. Recognizing these dynamics and understanding the psychological aspects of investing can help investors navigate the market with greater awareness and make more informed decisions.

chartistkao1 ( Date: 27-Apr-2023 13:43) Posted:

sgd -middle man role vs usd -sgd vs-yuan

https://www.channelnewsasia.com/business/yuan-overtakes-dollar-become-most-used-currency-chinas-cross-border-transactions-3445601

https://www.youtube.com/watch?v=TfsfvL0C88U

chartistkao1 ( Date: 27-Apr-2023 13:38) Posted:

buying uob share during april to oct 2023 market selloff
https://www.youtube.com/watch?v=k4ajzYt-xu

sgd -middle man role vs usd -sgd vs-yuan

https://www.channelnewsasia.com/business/yuan-overtakes-dollar-become-most-used-currency-chinas-cross-border-transactions-3445601

https://www.youtube.com/watch?v=TfsfvL0C88U

chartistkao1 ( Date: 27-Apr-2023 13:38) Posted:

buying uob share during april to oct 2023 market selloff
https://www.youtube.com/watch?v=k4ajzYt-xuE

chartistkao1 ( Date: 26-Apr-2023 16:14) Posted:

A crisis in the US banking system could have significant ripple effects on the global banking system. Here are some potential impacts:

Contagion: A crisis in the US banking system could spread to other countries through the interconnectedness of the global financial system. Many banks around the world have exposure to US banks, either through direct lending or through financial products like derivatives. As a result, problems in the US banking system could quickly spread to other parts of the world.
Market disruption: A US banking crisis could lead to market disruptions and volatility, as investors react to the news and adjust their portfolios. This could lead to a decline in asset prices and a tightening of credit conditions, which could impact the global economy.
Regulatory changes: A US banking crisis could lead to changes in regulatory policies around the world. Governments and regulators may implement stricter rules and oversight of banks, which could impact the profitability and business models of banks globally.
Changes in investor sentiment: A banking crisis in the US could lead to a decline in investor sentiment towards the banking sector as a whole. This could make it harder for banks around the world to raise capital or borrow in the capital markets.

Overall, a crisis in the US banking system could have far-reaching effects on the global banking system and the broader economy. However, the specific impacts would depend on the severity and duration of the crisis and the response of governments, regulators, and financial institutions.

buying uob share during april to oct 2023 market selloff
https://www.youtube.com/watch?v=k4ajzYt-xuE

chartistkao1 ( Date: 26-Apr-2023 16:14) Posted:

A crisis in the US banking system could have significant ripple effects on the global banking system. Here are some potential impacts:

Contagion: A crisis in the US banking system could spread to other countries through the interconnectedness of the global financial system. Many banks around the world have exposure to US banks, either through direct lending or through financial products like derivatives. As a result, problems in the US banking system could quickly spread to other parts of the world.
Market disruption: A US banking crisis could lead to market disruptions and volatility, as investors react to the news and adjust their portfolios. This could lead to a decline in asset prices and a tightening of credit conditions, which could impact the global economy.
Regulatory changes: A US banking crisis could lead to changes in regulatory policies around the world. Governments and regulators may implement stricter rules and oversight of banks, which could impact the profitability and business models of banks globally.
Changes in investor sentiment: A banking crisis in the US could lead to a decline in investor sentiment towards the banking sector as a whole. This could make it harder for banks around the world to raise capital or borrow in the capital markets.

Overall, a crisis in the US banking system could have far-reaching effects on the global banking system and the broader economy. However, the specific impacts would depend on the severity and duration of the crisis and the response of governments, regulators, and financial institutions.

chartistkao1 ( Date: 26-Apr-2023 16:09) Posted:

in general, the banking industry can be affected by economic downturns and crises. If there were to be a US bank crisis in 2023, it could have an impact on the global banking industry, including banks in Singapore like OCBC. However, it is important to note that the impact would depend on the severity and duration of the crisis, as well as the specific business model, financial strength, and risk management practices of OCBC.
It is also important to consider other factors that may affect the performance of OCBC and the banking industry as a whole, such as changes in interest rates, regulatory policies, competition, and technological advancements.
Ultimately, the decision to invest in OCBC or any other bank should be based on a careful evaluation of various factors and an assessment of your own risk tolerance and investment goals.

A crisis in the US banking system could have significant ripple effects on the global banking system. Here are some potential impacts:

Contagion: A crisis in the US banking system could spread to other countries through the interconnectedness of the global financial system. Many banks around the world have exposure to US banks, either through direct lending or through financial products like derivatives. As a result, problems in the US banking system could quickly spread to other parts of the world.
Market disruption: A US banking crisis could lead to market disruptions and volatility, as investors react to the news and adjust their portfolios. This could lead to a decline in asset prices and a tightening of credit conditions, which could impact the global economy.
Regulatory changes: A US banking crisis could lead to changes in regulatory policies around the world. Governments and regulators may implement stricter rules and oversight of banks, which could impact the profitability and business models of banks globally.
Changes in investor sentiment: A banking crisis in the US could lead to a decline in investor sentiment towards the banking sector as a whole. This could make it harder for banks around the world to raise capital or borrow in the capital markets.

Overall, a crisis in the US banking system could have far-reaching effects on the global banking system and the broader economy. However, the specific impacts would depend on the severity and duration of the crisis and the response of governments, regulators, and financial institutions.

chartistkao1 ( Date: 26-Apr-2023 16:09) Posted:

in general, the banking industry can be affected by economic downturns and crises. If there were to be a US bank crisis in 2023, it could have an impact on the global banking industry, including banks in Singapore like OCBC. However, it is important to note that the impact would depend on the severity and duration of the crisis, as well as the specific business model, financial strength, and risk management practices of OCBC.
It is also important to consider other factors that may affect the performance of OCBC and the banking industry as a whole, such as changes in interest rates, regulatory policies, competition, and technological advancements.
Ultimately, the decision to invest in OCBC or any other bank should be based on a careful evaluation of various factors and an assessment of your own risk tolerance and investment goals.

Joelton ( Date: 26-Apr-2023 08:33) Posted:

No plans to erode excess capital given market uncertainty: OCBC chairman

OCBC has no plans to reduce its capital given uncertain and volatile market conditions, said its board chairman Andrew Lee at the bank&rsquo s annual general meeting (AGM) on Tuesday (Apr 25).

In response to shareholder queries on how Basel IV &ndash the latest set of capital requirements for banks globally &ndash will affect the lender&rsquo s Common Equity Tier 1 (CET1) ratio, he said: &ldquo For the moment, we have no intentions of eroding this layer of perceived excess capital.&rdquo

Some shareholders at the AGM noted that OCBC had the highest CET1 ratio &ndash at 15.2 per cent at the end of its financial year 2022 &ndash among the three local banks. As at Dec 31, 2022, DBS&rsquo CET1 stood at 14.6 per cent, while UOB&rsquo s was 13.3 per cent.

Lee acknowledged views that OCBC&rsquo s CET1 ratio &ldquo may be a bit too high&rdquo compared to its peer banks.

But he also noted concurrent geopolitical tensions and macroeconomic stresses &ndash such as unprecedented interest rate hikes and persistent inflation &ndash in recent times, with no clear signs of issues being speedily resolved.

Lee said the bank has survived due to its prudent management. &ldquo Against this background of tremendous stress and ambiguity&hellip there&rsquo s a need for us to continue to be prudent and careful.&rdquo

Lee added that being well-capitalised puts OCBC in a good position to act on acquisition opportunities as they come.

&ldquo In fact, if we go into a crisis, capital would be the new currency. And in a crisis, it will be a tremendous challenge for banks to raise capital and liquidity,&rdquo he said.

OCBC posted a record S$5.7 billion net profit in FY2022, up 18 per cent on year, driven by strong growth in net interest income.

The bank also said it will target a 50 per cent payout ratio for its dividends moving forward.

In response to a query on the bank&rsquo s new dividend policy, Lee said the lender has committed to a more transparent policy even though it may seem &ldquo ambiguous&rdquo .

He added that there is no need for the bank to be &ldquo so rigid&rdquo and commit to fixed payouts. &ldquo Leave some &lsquo ambiguity&rsquo with us, because we need some flexibility (given that) the circumstances are not so clear,&rdquo he said.

Lee also spoke briefly about the bank&rsquo s plans with its insurance subsidiary, Great Eastern, in response to queries about the insurer.

He noted that Great Eastern exists as a capability within the banking group. &ldquo It is not something that we trade, it is something that we build on. As we build on Great Eastern, the benefits will be reflected also in OCBC.&rdquo

Lee said Great Eastern&rsquo s growth will translate to OCBC receiving higher dividends from the insurer. This will in turn be reflected in a stronger OCBC share price.

To achieve greater and more sustained growth, Lee added that OCBC will engage with Great Eastern&rsquo s newly-elected board chairman to review its business strategy.