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United Overseas Bank (U11) investor relations material
United Overseas Bank Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary6 Nov, 2025
Executive summary
Operating profit for 3Q25 was $1.9 billion (S$1.9 billion), reflecting resilient franchise growth across retail, wholesale, and global markets, despite margin compression and economic uncertainties.
Net profit for 3Q25 was $0.4 billion (S$443 million), down sharply due to $0.6 billion (S$615 million) in pre-emptive general provisions for macroeconomic and sector-specific risks.
Healthy growth in loans, deposits (including CASA), wealth AUM, and fees over the first nine months, with trade loans up 22% year-on-year.
Share buyback program of $2 billion ongoing, with 24% completed by September 2025; 50% dividend payout policy maintained and not impacted by provisions.
Both Group Retail and Wholesale Banking segments advanced in wealth AUM, card billings, investment banking, and CASA acquisition.
Financial highlights
Net interest income for 3Q25 was $2.3 billion (S$2.3 billion), down 3% quarter-on-quarter, as loan growth offset margin compression; net interest margin narrowed to 1.82%.
Fee income rose 8% quarter-on-quarter and 10% year-on-year, with strong contributions from loans, cards, and wealth management.
Trading and investment income grew 16% quarter-on-quarter, driven by record-high customer flow treasury income.
Cost-to-income ratio for 3Q25 was 45.2%, up from 44.3% quarter-on-quarter; total expenses were stable.
NPL ratio remained stable at 1.6%, with NPA coverage at 100% (240% including collateral).
Outlook and guidance
2026 outlook projects low single-digit loan growth, full-year NIM of 1.75%–1.8%, high single- to double-digit fee growth, low single-digit operating cost growth, and total credit costs at 25–30 basis points.
ASEAN remains a key growth engine despite global uncertainties, with continued disciplined investment and focus on franchise growth.
Final dividend payment for 2025 will not be impacted by the pre-emptive general allowance set aside.
Detail sector-specific headwinds
Loan growth strategy to offset NIM pressure
Reconfirm capital adequacy for future payouts
What factors could trigger more large provisions?
How will HIBOR lag and future rate cuts shape NIM?
How effective is Gen AI in offsetting rising tech costs?
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Next United Overseas Bank earnings date
H2 202520 Feb, 2026
Next United Overseas Bank earnings date
H2 202520 Feb, 2026
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Frequently asked questions
United Overseas Bank Limited (UOB) is a multinational banking organization headquartered in Singapore. The bank offers a comprehensive range of financial services including personal and corporate banking, wealth management, and insurance. UOB provides various products such as loans, credit cards, and investment solutions, serving retail, commercial, and institutional clients. The company is headquartered in Singapore, and its shares are listed on the SGX.
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