UOB expects its net interest margin to range between 1.75% and 1.80% in 2026, supported by continued focus on strengthening its CASA franchise. The bank kept its 2026 total credit cost guidance unchanged at 25 to 30 basis points, after 4Q25 credit costs normalised from the prior quarter’s elevated level. For performance variation, 4Q25 operating profit was resilient at S$1.8 billion and NIM expanded 2 bps quarter on quarter to 1.84%, while FY25 net profit fell to S$4.7 billion as profitability was weighed by pre-emptive provisioning.

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