1. Currently holding $DBS(D05.

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

SG Bank Earnings Season | Goldman’s View: Which One Looks Promising?

DBS will fire the first shot on April 30, followed by $UOB(U11.SI)$ (May 7) and $OCBC Bank(O39.SI)$ (May 8). Goldman’s latest report gives a clear verdict: overall earnings should be “decent enough,” but the divergence among the three banks is becoming more obvious — net interest margin pressure, wealth management as a bright spot, and credit costs as the biggest hidden risk. Which one are you betting on?

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