DBS Group Holdings Ltd (DBSDY) Q4 2025 Earnings Call February 8, 2026 10:30 PM EST
Company Participants
Benton Jing Hung Yick
Tan Shan – Group CEO & Executive Director
Sok Hui Chng – Chief Financial Officer
Tse Shee – Group Head of CBG & Wealth Management
Philip Fernandez – Group Corporate Treasurer
Conference Call Participants
Melissa Kuang – Goldman Sachs Group, Inc., Research Division
Yong Hong Tan – Citigroup Inc., Research Division
Harsh Modi – JPMorgan Chase & Co, Research Division
Jayden Vantarakis – Macquarie Research
Aakash Rawat – UBS Investment Bank, Research Division
Presentation
Benton Jing Hung Yick
Hi, everyone, welcome to the analyst briefing. You’ve heard the media, poll and the presentation then, so we can go straight to Q&A.
Question-and-Answer Session
Benton Jing Hung Yick
So without further ado, first question from Melissa from Goldman Sachs.
Melissa Kuang
Goldman Sachs Group, Inc., Research Division
I just have a few questions. Just on the…
Benton Jing Hung Yick
Can you start again. You’re a bit soft?
Melissa Kuang
Goldman Sachs Group, Inc., Research Division
Okay. Can you hear me now? Is it better?
Tan Shan
Group CEO & Executive Director
Yes. Yes.
Melissa Kuang
Goldman Sachs Group, Inc., Research Division
Okay. So that’s the first question on the real estate. I just wanted to — I know you can’t name the company, but can we give a little bit of clarity as to the size of which was put into the NPL? And also, is there just one this quarter? Or was there a few other smaller ones maybe that you could let us know. That’s the first question.
Then on the second question, in the presentation for your NII guidance, you used the SORA of 1.25%. Given where SORA is today, will there be caution in terms of where your guidance is? And perhaps can you
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