03-07-2024, 10:13 AM
@ghchua,
My questions were more rhetorical in nature than anything else, not seeking "clear" answers as you have said. We choose the poison that suits our temperament. Also, I try to create choices between "good" and "better" now, rather than "good" and "bad".
@donmihaihai,
I do not have an easily available example of a Spore bank that went to the moon and back, so I had to use Public Bank. That said, Public Bank probably has 1 of the lowest cost-to-income ratio (<35%), lowest NPL (in the realm of 0.5%) with decent low teens ROE despite having really low CASA ratios. It is truly doing shareholder service compared to many of its peers doing national service.
My questions were more rhetorical in nature than anything else, not seeking "clear" answers as you have said. We choose the poison that suits our temperament. Also, I try to create choices between "good" and "better" now, rather than "good" and "bad".
@donmihaihai,
I do not have an easily available example of a Spore bank that went to the moon and back, so I had to use Public Bank. That said, Public Bank probably has 1 of the lowest cost-to-income ratio (<35%), lowest NPL (in the realm of 0.5%) with decent low teens ROE despite having really low CASA ratios. It is truly doing shareholder service compared to many of its peers doing national service.
I am not a certified financial advisor and so nothing of what I say should be construed as financial advice. Please consult a certified financial advisor for advice instead.