My go to bank is OCBC. I am more used to the interface of OCBC digital. Yes I would like to take ownership ideally. But as with most other stocks (eg telecom singtel), I would look closely at the macroeconomic conditions and decide accordingly my investment in the bank. I prefer to segregate my utilisation of the bank services against my investment decisions. Afterall, the bank might have other businesses in other regions that I am not comfortable with.