<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>

大華銀行

大華銀行(ADR)

大華銀行（UOB）儘管由於預防性撥備導致第三季度淨利潤下降 72%，但仍然處於強勁的地位。首席執行官韋益昌強調了銀行的穩健財務狀況，將撥備比作保險。預計 UOB 明年的信貸成本將在 25-30 個基點之間，貸款增長預計在低個位數。分析師對 UOB 的看法較為悲觀，相較於 DBS 集團，預測 UOB 在 2026 年的淨利息收入將出現下降。該銀行的預防性撥備不會影響其今年的最終股息

大華銀行首席執行官表示，該銀行在進入明年時處於 “強勢地位”