How to read a Singapore bank

The catalog holds DBS, OCBC and UOB. They are STI banks. We do not ingest the rest of the financials sector. Compare them to each other on this site, not to a US regional that is not in the feed.

A bank's book is capital against the loan book. Earnings in one year swing with credit costs and net interest margin, so P/E jumps. Book moves slower. The live table on this page is P/B next to P/E for the three names, from the same SGX snapshot. A lower P/B is not a Buy from us. It is the ratio SGX sent.

EPS is diluted earnings copied from the newest SGX income statement. Payout is trailing DPS over that EPS. We skip payout when EPS is not positive. A fat year of credit write-backs inflates EPS and makes payout look conservative. Read the income statement on the stock page before you treat the ratio as a policy.

Forward yield is the screener figure. TTM DPS is cash actually declared, summed on ex-dates in the last year. Singapore-resident company dividends are generally not taxed again in the shareholder's hands under the one-tier system. That is IRAS, not a reason the yield is generous. Buy before the ex-date if you want that round's cash.

We do not store net interest margin, non-performing loans, or CET1. Those live in the bank's own results. We do not have named-broker targets. The dash on the quote is the honest cell. If you need a rating, you are on the wrong site.