---
type: "Topics"
locale: "en"
url: "https://longbridge.com/en/topics/100000000977031.md"
description: "Iggy's Journal: All Three Banks Miss My 4.7% Yield Hurdle, and OCBC Is Only 1bp Above My 3.2% FloorMon 9 Nov 2026 | MiddayThe NumbersDBS, UOB and OCBC all report a fully phased-in CET1 ratio of 14.0%. Their transitional ratios differ: DBS is at 15.9%, UOB at 14.6% and OCBC at 15.5%. Each bank gives a different reason for the fall since June. At the 6 November close, DBS yields 4.56%, UOB 4.31% and OCBC 3.21%.$DBS(D05.SG)  $UOB(U11.SG)  $OCBC Bank(O39.SG) My Personal TakeIf all three banks report the same 14.0% headline, why do their transitional ratios sit so far apart? That is the question I started with, and it leaves me with one more. Does the same capital number tell me the same thing about each bank's capacity to pay a dividend? I am not putting a verdict on the shares in this entry. The free video and the Substack piece walk through it, and the Members Edition goes further. One more thing: my voice is hoarse in the video. I had a bad flu over the weekend, and I apologise for how it sounds.📺 Free YouTube: https://youtu.be/rwIUmIweZBk⭐ Members Edition YouTube: https://youtu.be/cavXIhPGLmY📩 Substack: https://investingiguana.com/p/all-three-banks-miss-my-47-yieldCheers,Iggy 🦖Not financial advice. Iggy's Forensic Compliance Standards apply."
datetime: "2026-11-09T04:40:17.000Z"
locales:
  - [en](https://longbridge.com/en/topics/100000000977031.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/100000000977031.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/100000000977031.md)
author: "[TheInvestingIguana](https://longbridge.com/en/profiles/22116548.md)"
generator: "portal-rs"
---

# Iggy's Journal: All Three Banks Miss My 4.7% Yield…


### Related Stocks

- [O39.SG](https://longbridge.com/en/quote/O39.SG.md)
- [D05.SG](https://longbridge.com/en/quote/D05.SG.md)
- [U11.SG](https://longbridge.com/en/quote/U11.SG.md)
- [UOVEY.US](https://longbridge.com/en/quote/UOVEY.US.md)
- [DBSDY.US](https://longbridge.com/en/quote/DBSDY.US.md)

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**