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RETAIL BANKING | Staff Reporter, Singapore
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OCBC more resilient than UOB, DBS

Thanks to its excellent asset quality and high liquidity.

UOB Kayhian devised a test of resiliency to identify tough banks that are able to weather the storm should the  recovery be protracted and bumpy. Their analysis indicates that OCBC is the most resilient, followed by UOB and DBS.

Here's more from UOB Kayhian:

 

We see OCBC as the toughest bank with excellent asset quality and high liquidity. A significant portion of OCBC’s NPLs are not overdue and are well collateralised. Liquid assets are maintained consistently high at 38.3% of shortterm liabilities and 29% of total assets.

While OCBC is most affected by the new Basel III rules, its tangible common equity (TCE) ratio is high at 8.4%. UOB scored well in capital adequacy with Common Equity Tier-1 (CET1) capital adequacy ratio (CAR) at 12.3% and is ranked second for liquidity. 

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