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United Overseas Bank (U11) investor relations material
United Overseas Bank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary7 Aug, 2025
Executive summary
Operating profit for H1 2025 rose 3% year-over-year to $4.0 billion, driven by strong fee growth, while net profit declined 3% to $2.8 billion due to higher reserves and margin compression amid macroeconomic uncertainties.
Fee income grew 11% year-over-year, led by loan, wealth, and treasury income; cost discipline kept expenses flat.
Retail segment saw robust growth post-Citi acquisition, with customer base exceeding 8.4 million and double-digit increases in card billings and wealth management income.
Wholesale banking profit before tax fell 12% year-over-year, impacted by lower rates and higher allowances, but transaction banking and trade loans showed strong growth.
Asset quality remained stable with NPL ratio at 1.6% and prudent provisioning maintained.
Financial highlights
Net profit for Q2 2025 was $1.3 billion, down 10% quarter-on-quarter and 6% year-over-year; H1 net profit was $2.8 billion, down 3% year-over-year.
Net interest margin narrowed to 1.91% for the quarter and 1.96% for H1 2025; exit NIM was 1.84%.
Gross loans grew 4% year-over-year and 1% quarter-on-quarter, mainly from corporate and Singapore mortgages.
Cost-to-income ratio improved to 43.5% for H1; expenses declined 2% quarter-on-quarter.
Interim and special dividends totaling $1.10 per share declared, with a 50% payout ratio; 13% of the share buyback program completed.
Outlook and guidance
Full-year NIM guidance set at 1.85–1.9%, factoring in three expected rate cuts.
Low single-digit loan growth and high single-digit fee growth expected; operating costs to remain flat.
Net credit cost forecasted at 25–30 bps, with further top-ups to general provision buffer anticipated.
Loan growth guidance moderated due to subdued regional GDP growth and tariff impacts.
Pre-emptive general provisions set aside in anticipation of ongoing macroeconomic uncertainties.
Explain the increase in RWA.
Why did overseas profit contribution decrease?
What drove GM's profit before tax increase?
What's the expected impact of Fed rate cuts?
Clarify drivers behind wholesale banking's profit drop.
Elaborate on digital initiatives with Accenture.
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Next United Overseas Bank earnings date
Q3 2025 TU6 Nov, 2025
Next United Overseas Bank earnings date
Q3 2025 TU6 Nov, 2025
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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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