![]() ![]() Loans grew 1% in constant currency terms and portfolio quality remained resilient, with the non-performing loan (“NPL”) ratio declining to pre-pandemic levels at 1.0%. The cost-to-income ratio for the quarter improved year-on-year to 39.1%, while credit costs in 3Q23 were an annualised 17 basis points. The Group’s robust year-on-year performance for 3Q23 was driven by a 13% rise in total income, underpinned by record net interest income and growth in non-interest income. Net profit for the nine months of 2023 (“9M23”) was a record S$5.40 billion, a 32% increase from a year ago (“9M22”). ![]() Singapore, 10 November 2023 – Oversea-Chinese Banking Corporation Limited (“OCBC”) reported net profit of S$1.81 billion for the third quarter of 2023 (“3Q23”), 21% higher from S$1.49 billion a year ago (“3Q22”), and 6% above S$1.71 billion in the previous quarter (“2Q23”). Nine months 2023 net profit up 32% to new high of S$5.40 billion
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So I would certainly suggest defending wider when you are in position as a default strategy. ![]() Now of course nearly everything in poker is infinitely easier to do while in position. ![]() So the real key to a successful 3Bet defending strategy is knowing when to call, when to 4Bet and knowing when to simply back down and choose a different battle to fight. Because this is an even faster way to lose money! But we also don’t want to just mindlessly call 3Bets with no plan on how to win the pot either. We don’t want to become one of those easily exploitable regs who fold to 3Bets way too much. ![]() It is important that you find that fine balance between knowing when to call, fold or get even more aggressive by re-raising them right back (also known as a 4-Bet). This is when you raise preflop and then somebody re-raises you back. 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