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Oversea-Chinese Banking Corporation (O39) investor relations material
Oversea-Chinese Banking Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Q3 2025 net profit reached S$1.98 billion, up 9% quarter-on-quarter and flat year-over-year, nearly matching the record set in Q1 2024, driven by strong non-interest income and robust wealth management performance.
Wealth management fees grew 53% year-over-year to a new quarterly high, with sustained net new money inflows and record banking AUM.
Trading and insurance income showed robust growth, and the loan book expanded across key markets.
Asset quality remained resilient, with NPL ratio stable at 0.9% for six consecutive quarters.
ROE (annualised) at 13.4% for Q3 2025, up 1.1ppt quarter-on-quarter.
Financial highlights
Total income for Q3 2025 rose 7% quarter-on-quarter to S$3.80 billion, driven by record non-interest income, while net interest income fell 2% quarter-on-quarter and 9% year-over-year to S$2.23 billion as NIM compressed to 1.84%.
Non-interest income surged 24% quarter-on-quarter and 15% year-over-year to S$1.57 billion, with fee, trading, and insurance income all contributing.
Wealth management income hit a record S$1.62 billion, up 25% year-over-year, contributing 43% of group income.
Operating expenses increased 3% year-over-year for nine months; cost-to-income ratio at 39.3%.
9M25 group net profit was S$5.68 billion, down 4% year-over-year; EPS (annualised) for Q3 2025 was S$1.72.
Outlook and guidance
NIM guidance revised to around 1.9% for the year, reflecting ongoing margin pressure from lower rates.
2025 targets: net interest income to be lower by mid- to high single-digit percentage, mid-single-digit loan growth, CIR at low 40s, credit costs around 20bps, and 60% total dividend payout ratio with share buybacks.
Expectation of slower economic growth in 2026, but fundamentals remain resilient with positive mid- to long-term prospects.
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Next Oversea-Chinese Banking Corporation earnings date
Q4 202525 Feb, 2026
Next Oversea-Chinese Banking Corporation earnings date
Q4 202525 Feb, 2026
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Frequently asked questions
Oversea-Chinese Banking Corporation Limited is a Singapore-based multinational banking and financial services corporation. The bank provides a comprehensive range of financial services, including retail and commercial banking, wealth management, investment banking, insurance, and asset management. OCBC operates in key markets across Asia, including Singapore, Malaysia, Indonesia, and Greater China, and serves individuals, small and medium-sized enterprises, and corporate clients. The company is headquartered in Singapore, and its shares are listed on the SGX.
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