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DBS

Just a general provison for nightmares.
UOB is always ultra conservative.   

FATABA      ( Date: 06-Nov-2025 08:45) Posted: UOB provision ..... Earnings took a hit from a spike in provisions to S$1.4bn (3Q24: S$304mn) from pre-emptive provisioning to strengthen coverage against macroeconomic uncertainties and sector-specific headwinds, alongside higher specific allowance for a few non-systemic corporate accounts. prophetjul      ( Date: 06-Nov-2025 08:33) Posted: What is the provision for

 

Uob likely gonna plunge...Will Dbs be affected by it?

 

UOB provision ..... Earnings took a hit from a spike in provisions to S$1.4bn (3Q24: S$304mn) from pre-emptive provisioning to strengthen coverage against macroeconomic uncertainties and sector-specific headwinds, alongside higher specific allowance for a few non-systemic corporate accounts.

prophetjul      ( Date: 06-Nov-2025 08:33) Posted: What is the provision for? FATABA      ( Date: 06-Nov-2025 08:31) Posted: Most likely mkt will react . Looking deeper in UOB result , there is a large provision for Q3 which accounts for the drop  CEO also re-affirm on full yr dividend and SBB program  DYOD

 

What is the provision for?

FATABA      ( Date: 06-Nov-2025 08:31) Posted: Most likely mkt will react . Looking deeper in UOB result , there is a large provision for Q3 which accounts for the drop  CEO also re-affirm on full yr dividend and SBB program  DYODD huattuatua      ( Date: 06-Nov-2025 08:18) Posted: actually dbs' s net profits come in as 2.954 B its only a drop of 2% and that beats analysts' s expectations, and compare this with uob' s 3 q net earnings of 443M vs 3q 2024, thats a drop of 72% from 3 q 24, 1.6B. i think mkt going to react positively to dbs' s and selldown uob, well 830 am we shall know the verdict,

 

Most likely mkt will react .
Looking deeper in UOB result , there is a large provision for Q3 which accounts for the drop 
CEO also re-affirm on full yr dividend and SBB program 
DYODD

huattuatua      ( Date: 06-Nov-2025 08:18) Posted: actually dbs' s net profits come in as 2.954 B its only a drop of 2% and that beats analysts' s expectations, and compare this with uob' s 3 q net earnings of 443M vs 3q 2024, thats a drop of 72% from 3 q 24, 1.6B. i think mkt going to react positively to dbs' s and selldown uob, well 830 am we shall know the verdict,

 

actually dbs' s net profits come in as 2.954 B its only a drop of 2% and that beats analysts' s expectations,

and compare this with uob' s 3 q net earnings of 443M vs 3q 2024, thats a drop of 72% from 3 q 24, 1.6B.

i think mkt going to react positively to dbs' s and selldown uob, well 830 am we shall know the verdict,

 

Lower profit maybe today share price go down too ! $52 on the way loh

GenoInvestor      ( Date: 06-Nov-2025 07:14) Posted: DBS 2026 Net Profit forecast to be lower than 2025.

 

DBS 2026 Net Profit forecast to be lower than 2025. 

 

CEO summary... Delivered record third-quarter and nine-month total income and pre-tax profit, ROE above 17% Sustained strong momentum in wealth management and deposit growth, while proactive balance sheet hedging mitigated external rate pressures Will continue to navigate declining rates in coming year with nimble balance sheet management and ability to capture structural opportunities across wealth management and institutional banking DBS is set for greater things. Well Done!!! 👍

 

Fly to the moon today!

spursfan      ( Date: 06-Nov-2025 06:42) Posted: DBS Group Holdings 3Q 2025 financial results November 6, 2025 Highlights 3Q pre-tax profit up 1% YoY to record $3.48b, ROE at 17.1% and ROTE at 18.9%  Total income up 3% YoY to new high of $5.93b o Group NII little changed from strong deposit growth and proactive balance sheet hedging o Fee income and treasury customer sales reach new highs o Markets trading income higher due to lower funding cost and more conducive trading environment 9M pre-tax profit up 3% to record $10.3b  Total income up 5% to new high of $17.6b from growth in commercial book and markets trading Balance sheet remains strong  Asset quality resilient. NPL ratio stable at 1.0%, SP at 15bp for 3Q and 13bp for 9M  Allowance coverage at 139% and 229% after considering collateral  Transitional CET1 ratio at 16.9%, fully phased-in at 15.1% 3Q total dividend of 75¢ per share, comprising 60¢ ordinary dividend and 15¢ Capital Return dividend https://links.sgx.com/1.0.0/corporate-announcements/9RSSMORB7NPSITZ6/866102_3Q25_CFO_presentation.pdf

 

Wow spursfan, u are super fast! Safe in DBS hands. Lead the way!

spursfan      ( Date: 06-Nov-2025 06:42) Posted: DBS Group Holdings 3Q 2025 financial results November 6, 2025 Highlights 3Q pre-tax profit up 1% YoY to record $3.48b, ROE at 17.1% and ROTE at 18.9%  Total income up 3% YoY to new high of $5.93b o Group NII little changed from strong deposit growth and proactive balance sheet hedging o Fee income and treasury customer sales reach new highs o Markets trading income higher due to lower funding cost and more conducive trading environment 9M pre-tax profit up 3% to record $10.3b  Total income up 5% to new high of $17.6b from growth in commercial book and markets trading Balance sheet remains strong  Asset quality resilient. NPL ratio stable at 1.0%, SP at 15bp for 3Q and 13bp for 9M  Allowance coverage at 139% and 229% after considering collateral  Transitional CET1 ratio at 16.9%, fully phased-in at 15.1% 3Q total dividend of 75¢ per share, comprising 60¢ ordinary dividend and 15¢ Capital Return dividend https://links.sgx.com/1.0.0/corporate-announcements/9RSSMORB7NPSITZ6/866102_3Q25_CFO_presentation.pdf

 

DBS Group Holdings
3Q 2025 financial results
November 6, 2025
Highlights

3Q pre-tax profit up 1% YoY to record $3.48b, ROE at 17.1% and ROTE at 18.9%

 Total income up 3% YoY to new high of $5.93b
o Group NII little changed from strong deposit growth and proactive balance sheet hedging
o Fee income and treasury customer sales reach new highs
o Markets trading income higher due to lower funding cost and more conducive trading environment
9M pre-tax profit up 3% to record $10.3b
 Total income up 5% to new high of $17.6b from growth in commercial book and markets trading
Balance sheet remains strong
 Asset quality resilient. NPL ratio stable at 1.0%, SP at 15bp for 3Q and 13bp for 9M
 Allowance coverage at 139% and 229% after considering collateral
 Transitional CET1 ratio at 16.9%, fully phased-in at 15.1%

3Q total dividend of 75¢ per share, comprising 60¢ ordinary dividend and 15¢ Capital Return dividend

https://links.sgx.com/1.0.0/corporate-announcements/9RSSMORB7NPSITZ6/866102_3Q25_CFO_presentation.pdf

 

With Fed rates and 10y treasure yield coming down, DBS should look more attractive at currenct price. At $55, it offers ~5.5% div yield based on $3 div per year.

 

55 is realistic

 

People have gotta be realistic, u cannot expect results to keep improving quarter after quarter! There will be a breaking point somehow..As long as no bad news or the co. losing money or getting into scandals, it should be fine..

 

Ya, do not expect stellar results.
But I still think DBS will out perform the other two.
Aug loan growth was weak but Sep very strong.
Heard Oct was even better & momentum carried thru to Nov.

 

It is great to buy dbs at lower price and collect more DBS shares

 

https://www.businesstimes.com.sg/companies-markets/dbs-ocbc-and-uob-expected-post-flat-or-weaker-q3-earnings-margins-narrow

 

https://www.marketwatch.com/story/dbs-group-s-third-quarter-profit-likely-fell-earnings-preview-f222293d

Gseng3086      ( Date: 03-Nov-2025 16:28) Posted: Possible people selling because got insider news?

 

Possible people selling because got insider news?