The Oversea-Chinese Banking Corporation Limited (OCBC) was established in 1932, and is one of the oldest financial institutions in Singapore. The table below provides the Average Total Assets, Average Total Equity, Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM) for OCBC for the years 2020 to 2023.

Based on the computed percentage change between 2020 and 2023 for DBS Group Holdings Ltd, compare the percentage change in Net Interest Margin (NIM) with that of its competitor, OCBC. Indicate whether the percentage change in NIM for DBS is HIGHER or LOWER than that of OCBC.

Instructions: You MUST only type

HIGHER

or LOWER