United Overseas Bank is trading at S$38.44, 5% down (a 4.99% decline), after its November 4 third-quarter results missed analyst expectations. - Net profit was S$1.25 billion, versus estimates of S$1.35 billion. - Net interest margin narrowed to 1.68%. - The bank lowered its full-year margin outlook, expecting net interest margin below its previous 1.75%–1.80% guidance as funding costs remained elevated.