UOB FY2025 net profit drops 23% to $4.68b on higher provisions

Total income slipped 3% to $13.81b during the period.

United Overseas Bank (UOB) Group’s net profit decreased 23% year-on-year to $4.68b for the financial year ended 31 December 2025 (FY2025), down from $6.045b.

The decline was driven by strengthened coverage through pre-emptive provisioning amidst macroeconomic uncertainties, UOB said in a press release.

Operating profit slipped 4% to approximately $7.65b from $7.98b in FY2024. Total income decreased 3% to around $13.81b, compared with $14.29b previously.

Net interest income fell 3% to $9.36b, whilst net fee income rose 7% to $2.57b.

Other non-interest income declined 15% to 1.88b during the period.

Meanwhile, the bank’s non-performing loan ratio remained stable at 1.5% as of 31 December 2025.

The board recommended a final dividend of 71 cents per ordinary share.

Together with the interim dividend of 85 cents, the total ordinary dividend for FY25 amounts to $1.56 per share. A special dividend of 50 cents per share was also paid during the year.

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