Part 6/10:
Despite these challenges, the three banks are well-equipped to weather tougher conditions. Their diversified business models, robust capital buffers, and strong liquidity positions serve as vital safeguards. Historically, these banks have navigated multiple recessions and emerged stronger, thanks to their conservative risk management and resilient balance sheets.
Their capital adequacy is noteworthy—OCBC, for example, maintains a 16% common equity tier one (CET1) ratio, surpassing DBS and UOB, which operate around 14%. This higher capital buffer provides an extra layer of protection against unforeseen shocks.