)
Visual
earnings real time
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
Net profit for 3Q25 reached S$1.98 billion, up 9% quarter-on-quarter and flat year-over-year, nearly matching the record first quarter of 2024, driven by record non-interest income and robust wealth management performance.
Wealth management fees grew 53% year-on-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.
Diversified business pillars and strategic investments in wealth management and technology underpinned performance.
Financial highlights
Total income for 3Q25 rose 7% sequentially to S$3.80 billion, with non-interest income up 24% quarter-on-quarter and 15% year-on-year to S$1.57 billion, while net interest income declined 2% quarter-on-quarter and 9% year-on-year to S$2.23 billion as NIM compressed to 1.84%.
Wealth management income hit a record S$1.62 billion, contributing 43% to group income; banking AUM rose 18% year-on-year to S$336 billion.
Fee income up 24% year-on-year to S$1.8 billion; trading income up 38% quarter-on-quarter to S$518 million.
Operating expenses increased 3% year-on-year and 9% quarter-on-quarter to S$1.52 billion; cost-to-income ratio at 39.3%-40.0%.
Customer loans grew 7% year-on-year to S$327 billion; customer deposits up 11% to S$411 billion, with CASA ratio rising to 50.3%.
Outlook and guidance
NIM guidance revised to around 1.9% for the year, reflecting ongoing margin pressure from lower rates; 2025 targets include mid-single-digit loan growth, CIR at low 40s, credit costs around 20bps, and 60% total dividend payout ratio with share buybacks.
Asset growth and non-interest income expected to remain key drivers; single-digit growth targeted.
Economic growth expected to decelerate in the near term amid a volatile environment, but regional supply chain resilience, energy transition, and digitalisation present opportunities.
Cautious outlook for 2026 with expectations of slower global growth and persistent geopolitical and trade uncertainties.
Strong balance sheet and capital position provide flexibility to manage risks and support future growth.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Oversea-Chinese Banking Corporation earnings date
Q4 202525 Feb, 2026
Next Oversea-Chinese Banking Corporation earnings date
Q4 202525 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage