Here's how mortgage loan re-pricing will affect UOB's net interest margin

How bad could it get?

According to DBS, NIM direction would depend on asset mix, hopeful on stabilisation. Emphasis remains on regional growth outpacing Singapore-only growth to ensure NIM could at least remain stable.

Singapore NIM will still be under pressure largely from mortgage loan re-pricing which could last another year.

Here's more from DBS:

Malaysian NIM was on a downtrend from deposit competition. Meanwhile, NIM in Thailand and Indonesia are expected to remain stable.

Regional strategies remain crucial for longer term growth momentum. Thai and Indonesian operations are expected to grow faster than Malaysia, which management opines may see moderate growth because of elections. Management is open to possible inorganic strategies should opportunities arise.

Guidance largely intact. High single digit loan growth guidance is maintained, cost-to-income ratio to average at 42-43% and no change to 30bps credit cost guidance as management continues its stance to keep reserves high.

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