Oversea-Chinese Banking Corporation delivered a strong set of third-quarter results, underscoring the resilience of its diversified banking, wealth management, and insurance franchise. This solid performance was underpinned by continued growth in customer activities and wealth assets under management, which boosted fee and trading income. Record non-interest income successfully compensated for a decline in net interest income. Management emphasized positive traction in its wealth strategy, driving banking assets under management (AUM) to a record level through sustained net new money inflows. Asset quality remained sound and resilient, with a stable non-performing loan ratio. Looking ahead, the focus remains on future growth despite a volatile operating environment shaped by geopolitical and policy dynamics.