OCBC Reports Strong Q3 2025 Profit Growth

Oversea-Chinese Banking Corporation ( (OVCHF) ) has released its Q3 earnings. Here is a breakdown of the information Oversea-Chinese Banking Corporation presented to its investors.

Oversea-Chinese Banking Corporation (OCBC) is a leading financial services group in Asia, offering a comprehensive range of banking, wealth management, and insurance services. It operates primarily in the banking sector and is known for its strong presence in wealth management and insurance.

OCBC reported a net profit of S$1.98 billion for the third quarter of 2025, marking a 9% increase from the previous quarter. This growth was driven by a significant rise in non-interest income, which offset a decline in net interest income. For the first nine months of 2025, the net profit stood at S$5.68 billion, a 4% decrease compared to the same period last year.

Key financial metrics for the third quarter include a 7% increase in total income quarter-on-quarter, reaching S$3.80 billion. Non-interest income surged by 24% to S$1.57 billion, supported by strong performances in wealth management, trading, and insurance. Despite a 2% quarterly decline in net interest income, the bank maintained a stable non-performing loan ratio of 0.9% and improved its return on equity to 13.4%.

OCBC’s strategic focus on wealth management paid off, with wealth management income rising 25% from the previous quarter, accounting for 43% of total income. The bank’s customer loans and deposits also showed healthy growth, increasing by 7% and 11% year-on-year, respectively. Operating expenses rose by 9% quarter-on-quarter, primarily due to higher staff costs and technology investments.

Looking ahead, OCBC’s management remains cautious about the external environment, citing geopolitical tensions and shifting policy dynamics. However, the bank’s robust balance sheet and capital position are expected to provide resilience and support future growth initiatives.