Fresh results from Singapore banks come as rates ease and net interest margins drift off their highs — raising the question: have earnings peaked? Carmen Lee, Head of Equity Research, OCBC discusses whether fee income, regional growth and ASEAN expansion can offset margin pressure. Plus, what the latest numbers signal for asset quality, dividends and strategy in a lower-rate year ahead.

Produced/Presented: Ryan Huang

Fresh results from Singapore banks come as rates ease and net interest margins drift off their highs &mdash; raising the question: have earnings peaked?&nbsp;Carmen Lee, Head of Equity Research, OCBC discusses whether fee income, regional growth and ASEAN expansion can offset margin pressure.&nbsp;Plus, what the latest numbers signal for asset quality, dividends and strategy in a lower-rate year ahead.
Produced/Presented: Ryan Huang

Get a head start to your work day with Ryan Huang, Emaad Akhtar and Audrey Siek from 6am to 9am. 

Listen to insightful discussions on the stories and issues that matter the most to you and be apprised of the markets and the companies to watch.

Get a head start to your work day with Ryan Huang, Emaad Akhtar and Audrey Siek from 6am to 9am. 
Listen to insightful discussions on the stories and issues that matter the most to you and be apprised of the markets and the companies to watch.

Breakfast with Ryan Huang, Emaad Akhtar and Audrey Siek

MONEY FM 89.3 is Singapore’s first and only Business and Personal Finance station. MONEY FM is a 24-hour English talk format station featuring local and international business and financial news. We provide you with financial market and currency updates and insights from analysts, economists, policy makers, industry experts and business owners.

In the lighter hours, listen to discussions on social issues and features on topics that include health, education, arts and music.

MONEY FM 89.3 is Singapore&rsquo;s first and only Business and Personal Finance station. MONEY FM is a 24-hour English talk format station featuring local and international business and financial news. We provide you with financial market and currency updates and insights from analysts, economists, policy makers, industry experts and business owners.
In the lighter hours, listen to discussions on social issues and features on topics that include health, education, arts and music.

MONEY FM 89.3 is Singapore’s first and only Business and Personal Finance station.

MONEY FM 89.3

Insightful discussions on the latest market events and the top companies to watch.

Get a head start on your workday with Ryan Huang, Emaad Akhtar and Audrey Siek from 6 am to 9 am. 

Listen to insightful discussions on the stories and issues that matter the most to you and be apprised of the markets and the companies to watch.

Get a head start on your workday with Ryan Huang, Emaad Akhtar and Audrey Siek from 6 am to 9 am. 
Listen to insightful discussions on the stories and issues that matter the most to you and be apprised of the markets and the companies to watch.

Breakfast with Ryan Huang, Emaad Akhtar and Audrey Siek (6am-9am)

Bigger Pic: Peak Profits or Second Wind? Inside Singapore Banks’ Earnings Test

Enterprise AI experimentation is slowing, and a harder question is emerging: where is the business value? With only 10–15% of AI projects reaching sustained production, many organisations are facing a “production gap” between pilots and profitability.

The Breakfast Show speaks with Guna Chellappan, General Manager Singapore at Red Hat, about why AI demos don’t automatically scale, the infrastructure and governance challenges holding companies back, and how to move AI from the playground to the profit centre.

Enterprise AI experimentation is slowing, and a harder question is emerging: where is the business value? With only 10&ndash;15% of AI projects reaching sustained production, many organisations are facing a &ldquo;production gap&rdquo; between pilots and profitability.
The Breakfast Show speaks with&nbsp;Guna Chellappan, General Manager Singapore at Red Hat, about why AI demos don&rsquo;t automatically scale, the infrastructure and governance challenges holding companies back, and how to move AI from the playground to the profit centre.

Mind Your Business: Why 85% of AI projects stall and how to get to production

“I'm not physically sick… I just can’t do today.” Ever heard this in your head in the morning?
Sometimes we need a break, even if we don't have the flu or a fever. But is that a legitimate reason to take leave? Are mental health days a right that is needed in today's landscape, or is it still misunderstood?

 

Presented by Audrey Siek, Ryan Huang & Emaad Akhtar

Produced by Audrey Siek

Edited by Sean Cheong

Photo and music credit: Pixabay & its talented community of contributors

&ldquo;I'm not physically sick&hellip; I just can&rsquo;t do today.&rdquo; Ever heard this in your head in the morning? Sometimes we need a break, even if we don't have the flu or a fever. But is that a legitimate reason to take leave? Are mental health days a right that is needed in today's landscape, or is it still misunderstood?
&nbsp;
Presented by Audrey Siek, Ryan Huang &amp; Emaad Akhtar
Produced by Audrey Siek
Edited by Sean Cheong
Photo and music credit: Pixabay &amp; its talented community of contributors

Breakfast Bites: Mental health days - How seriously should we take them?

Are we finally done with the office market rollercoaster? After a couple of choppy years, rents across Asia-Pacific are stabilising, and prime spaces are seeing demand again. The big question now is: who has the upper hand going into 2026: landlords or tenants? We find out with Tridiana Ong, Head of Occupier Strategy and Solutions for Singapore at Knight Frank.

Produced and presented by Audrey Siek

Are we finally done with the office market rollercoaster? After a couple of choppy years, rents across Asia-Pacific are stabilising, and prime spaces are seeing demand again. The big question now is: who has the upper hand going into 2026: landlords or tenants? We find out with Tridiana Ong, Head of Occupier Strategy and Solutions for Singapore at Knight Frank.
Produced and presented by Audrey Siek

Bigger Pic: Peak Profits or Second Wind? Inside Singapore Banks’ Earnings Test

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