{"id":4134,"date":"2025-05-28T00:52:48","date_gmt":"2025-05-27T21:52:48","guid":{"rendered":"https:\/\/relinvestmentsgroup.com\/?p=4134"},"modified":"2025-05-28T00:52:48","modified_gmt":"2025-05-27T21:52:48","slug":"ocbc-uob-sohranyat-silnye-bufery-kapitala-do-2026-goda-moody-s","status":"publish","type":"post","link":"https:\/\/relinvestmentsgroup.com\/en\/ocbc-uob-sohranyat-silnye-bufery-kapitala-do-2026-goda-moody-s\/","title":{"rendered":"OCBC, UOB to maintain strong capital buffers through 2026: Moody\u2019s"},"content":{"rendered":"<p><\/p>\n<p class=\"p1\">CET1 ratio and return on assets will decline, however.<\/p>\n<p class=\"p1\">OCBC and UOB are expected to maintain their solid fundamentals through 2026, according to Moody\u2019s Ratings.<\/p>\n<p class=\"p1\">UOB is expected to maintain a strong capital buffer. This is despite its common equity tier 1 (CET1) ratio expected to decrease from 15.4% in end-2025 to 14% by 2026, as well as expected decline in return on assets to 1%.<\/p>\n<p class=\"p1\">Its strengths are its funding and liquidity. The bank will primarily rely on deposit-led funding and minimally on market funds.<\/p>\n<p class=\"p1\">Problem loans will remain at the 1.5% to 2.5% range, it added.<\/p>\n<p class=\"p1\">Separately, OCBC\u2019s problem loans are expected to remain below 2% of gross loans.<\/p>\n<p class=\"p1\">Similar to UOB, Moody\u2019s expects OCBC\u2019s CET1 ratio to decrease to 14% by 2026. Both banks\u2019 CET1 ratio decline is due to higher capital distributions.<\/p>\n<p class=\"p1\">OCBC\u2019s return on assets will decline to 1.1%, below the 1.25% in 2024, on the back of net interest margin (NIM) compression.<\/p>\n<p class=\"p1\">\u201cOCBC&#8217;s NIM will decrease faster compared to the other two large Singaporean banks, because its net interest income is more sensitive to changes in interest rates,\u201d the ratings agency said.<\/p>\n<p class=\"p1\">Amidst a shrinking NIM, Moody\u2019s expect OCBC&#8217;s non-net interest income to remain robust, including from its insurance subsidiary Great Eastern Holdings.<\/p>\n<p class=\"p1\">Just like UOB, OCBC is expected to rely on deposit-led funding with low dependence on market funds.<\/p>\n<p class=\"p1\">OCBC is also expected to maintain a high buffer of liquid assets, at about 30% of total assets.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>CET1 ratio and return on assets will decline, however. OCBC and UOB are expected to maintain their solid fundamentals through 2026, according to Moody\u2019s Ratings. UOB is expected to maintain a strong capital buffer. This is despite its common equity tier 1 (CET1) ratio expected to decrease from 15.4% in end-2025 to 14% by 2026, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4135,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4134","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-rubriki"],"featured_image_src":{"landsacpe":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/05\/OCBC-44-1140x445.jpeg",1140,445,true],"list":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/05\/OCBC-44-463x348.jpeg",463,348,true],"medium":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/05\/OCBC-44-300x200.jpeg",300,200,true],"full":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/05\/OCBC-44.jpeg",1200,801,false]},"_links":{"self":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/4134","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/comments?post=4134"}],"version-history":[{"count":1,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/4134\/revisions"}],"predecessor-version":[{"id":4136,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/4134\/revisions\/4136"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media\/4135"}],"wp:attachment":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media?parent=4134"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/categories?post=4134"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/tags?post=4134"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}