DBS Earnings Deep Dive (4Q 2025): How the "NIM Squeeze" Impacts Your Dividends |🦖EP1418

The Investing Iguana

🟩 DBS just announced a record S$13.1 billion profit for FY2025, yet the share price immediately took a hit right at the open. For investors in the "Retirement Red Zone," this market tantrum is a flashing warning sign that the "easy money" era from high interest rates is officially over. If you are banking on that fat dividend for your retirement in Bedok or Jurong, you need to look past the "Record Profit" headlines to understand why the "Lion City" market is suddenly nervous about its national champion.

In this deep dive, we strip away the corporate marketing to reveal the "hard math" behind the report. We break down the alarming NIM (Net Interest Margin) squeeze that threatens future payouts, the double-edged sword of their massive "Deposit Fortress," and why the 4Q2025 profit dip is a major "Standard Deviation" event. We also use institutional-grade models to calculate the true "Fair Value" of the stock versus its current premium, helping you distinguish between a safe haven and a potential value trap at these price levels.

Read the full in-depth article with video at

YOUTUBE ➡️ https://youtu.be/U-FwjUdokDQ

SUBSTACK ➡️ https://open.substack.com/pub/investingiguana/p/dbs-earnings-deep-dive-4q-2025-record?r=5enmf1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true

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We also use institutional-grade models to calculate the true \"Fair Value\" of the stock versus its current premium, helping you distinguish between a safe haven and a potential value trap at these price levels.</p>\n<p>Read the full in-depth article with video at</p>\n<p>YOUTUBE ➡️ https://youtu.be/U-FwjUdokDQ</p>\n<p>SUBSTACK ➡️ https://open.substack.com/pub/investingiguana/p/dbs-earnings-deep-dive-4q-2025-record?r=5enmf1&amp;utm_campaign=post&amp;utm_medium=web&amp;showWelcomeOnShare=true</p></body></html>","text":"🟩 DBS just announced a record S$13.1 billion profit for FY2025, yet the share price immediately took a hit right at the open. For investors in the \"Retirement Red Zone,\" this market tantrum is a flashing warning sign that the \"easy money\" era from high interest rates is officially over. If you are banking on that fat dividend for your retirement in Bedok or Jurong, you need to look past the \"Record Profit\" headlines to understand why the \"Lion City\" market is suddenly nervous about its national champion. In this deep dive, we strip away the corporate marketing to reveal the \"hard math\" behind the report. We break down the alarming NIM (Net Interest Margin) squeeze that threatens future payouts, the double-edged sword of their massive \"Deposit Fortress,\" and why the 4Q2025 profit dip is a major \"Standard Deviation\" event. We also use institutional-grade models to calculate the true \"Fair Value\" of the stock versus its current premium, helping you distinguish between a safe haven and a potential value trap at these price levels. 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