<div id="readability-page-1"><div>By Megan Cheah United Overseas Bank remains &#34;in a strong position&#34; going into next year, the chief executive of Singapore's third-largest lender said after its latest earnings showed a sharp drop in net profit. The bank on Thursday posted a 72% fall in third-quarter net profit as it booked pre-emptive general provisions. Its stock fell close to 5% after the results before paring losses. While the results may look bad on the surface, UOB Chief Executive Wee Ee Cheong said the bank's financial position is solid, likening booking the provisions to buying insurance for what lies ahead. The provision brings UOB's allowance for credit and other losses to 1.36 billion Singapore dollars, or about US$1.04 billion, more than quadrupling from a year ago. UOB is taking a &#34;long-term&#34; view in ensuring its balance sheet remains strong, Wee said at a briefing following the results. The pre-emptive provision won't weigh on its final dividend this year, he added. Wee expects loan growth in the low single digits and fee gains in the high single to double digits for 2026. The lender projects total credit costs at 25 basis points to 30 basis points next year. Third-quarter total credit costs were elevated at 134 basis points, thanks to the allowances, compared with 34 basis points a year ago. Analysts have a bearish lens on UOB compared with peer DBS Group, which also reported results Thursday. UOB's net interest income is likely to decline in 2026, compared with likely gains by DBS and Oversea-Chinese Banking Corp., said Citi analyst Tan Yong Hong. Tan reiterated his overweight view on DBS and underweight view on UOB, given the banks' asset quality. OCBC is due to release results Friday. Write to Megan Cheah at megan.cheah@wsj.com (END) Dow Jones Newswires11-06-25 0227ET</div></div>

大华银行

大华银行(ADR)

大华银行（UOB）尽管由于预防性拨备导致第三季度净利润下降 72%，但仍然处于强劲的地位。首席执行官韦益昌强调了银行的稳健财务状况，将拨备比作保险。预计 UOB 明年的信贷成本将在 25-30 个基点之间，贷款增长预计在低个位数。分析师对 UOB 的看法较为悲观，相较于 DBS 集团，预测 UOB 在 2026 年的净利息收入将出现下降。该银行的预防性拨备不会影响其今年的最终股息

大华银行首席执行官表示，该银行在进入明年时处于 “强势地位”