UOB reported FY25 operating profit of SGD 7.7 billion, while FY25 net profit fell 23% to SGD 4.7 billion, largely due to pre-emptive general allowances set aside in Q3 to strengthen provision coverage amid macroeconomic uncertainties. FY25 total income declined 3% to SGD 13.81 billion, with net interest income down 3% to SGD 9.36 billion as net interest margin narrowed 14 basis points to 1.89%, and net fee income up 7% to a record SGD 2.57 billion. Other non-interest income decreased 15% to SGD 1.88 billion, and total allowances rose to SGD 2.04 billion. For Q4 FY25, net profit was SGD 1.41 billion, with net interest income up 4% to SGD 2.35 billion and net fee income at SGD 625 million; other non-interest income fell 39% to SGD 319 million and total allowances normalised to SGD 113 million, with credit costs on loans at 19 basis points. Asset quality remained stable with an NPL ratio of 1.5%, and CET1 capital adequacy ratio was 15.1% as of 31 December 2025. The board recommended a FY25 final dividend of SGD 0.71 per share, taking FY25 total dividend to SGD 1.56 per share (approximately 50% payout ratio), and noted a special dividend of SGD 0.50 per share paid in two tranches during 2025. UOB also announced a one-off supplementary payout of an extra half-month base salary for about 6,000 junior employees in Q2 2026, amounting to about SGD 4 million.

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