$OVERSEA-CHINESE BANKING CORP(O39.SI)$

The banks, which make up around 40% of the Straits Times Index, saw their earnings fall in 2020 due to the economic uncertainties brought about by the ** pandemic. 

For instance, DBS, the largest bank amongst the trio, saw its net profit fall 26% year-on-year. 

However, with the gradual improvement in consumer sentiments and business confidence, the banks are likely to see better days ahead. 

A non-performing loan is a loan on which the borrower is unable to pay off interest or the principal amount. The lower the ratio, the better it is for a bank.

For 2020, OCBC had the lowest NPL ratio of 1.5% among the banking trio.

OCBC seems to offer the best value among the three banks with its lowest price-to-book and price-to-earnings ratios.

However, it loses out to the other banks in terms of dividend yield. 

What will be your opinion for $OVERSEA-CHINESE BANKING CORP(O39.SI)$?