UOB Group reported an operating profit of S$7.7 billion for the
financial year ended 31 December 2025 (FY25), driven by strong fee momentum across our
wholesale banking and retail banking businesses. Net profit for FY25 moderated 23% to S$4.7 billion from the previous year, largely due to the pre-emptive general allowances that the Group
proactively set aside in the third quarter to strengthen provision coverage amid growing macroeconomic uncertainties.
The Board recommends the payment of a final dividend of 71 cents per ordinary share. Together with the interim dividend of 85 cents per ordinary share, the total dividend for FY25 will be S$1.56per ordinary share, representing a payout ratio of approximately 50%. In recognising the final dividends, the pre-emptive general provision set aside in the third quarter was excluded from the
final dividend calculation. In addition to the regular dividends, the Group returned surplus capitalto shareholders through a special dividend of 50 cents per ordinary share, which was paid over two tranches during 2025.
Net interest income for FY25 eased 3% year on year. Although loan growth was healthy at 4%,
margin pressures from lower benchmark rates offset the growth momentum. Net fee income grew
7% to a record high of S$2.6 billion, driven by a double-digit growth in wealth management and
loan-related fees. While trading income and liquidity management activities normalised from last
year’s exceptional level, customer-related treasury income reached a new record high, backed by
strong hedging and investment demand.
Asset quality remained resilient with non-performing loan ratio stable at 1.5%. Following the pre-
emptive general provision set aside in the third quarter, credit costs for the fourth quarter improved
to 19 basis points, as total allowances returned to normalised levels.
https://sporeshare.blogspot.com/2026/02/uob-bank.html
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
