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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 SGD 1.9 billion, reflecting resilience and sustained franchise growth across retail, wholesale, and global markets, despite a softening rate environment and global uncertainties.
Net profit for 3Q25 was SGD 443 million, down sharply due to SGD 615 million (USD 0.6 billion) in pre-emptive general provisions for macroeconomic and sector-specific risks, mainly U.S. and Greater China CRE.
Healthy growth in loans, deposits (including CASA), Wealth AUM, and fees for the first nine months, with loans up 5% YoY and trade loans up 22% YoY.
Share buyback program of SGD 2 billion ongoing, with 24% completed by September 2025; 50% dividend payout policy maintained and not impacted by provisions.
Financial highlights
Net interest income for 3Q25 was SGD 2.3 billion, down 3% QoQ and 8% YoY, as margin compression offset loan growth; net interest margin narrowed to 1.82%.
Gross fee income rose 8% QoQ and 10% YoY, driven by loan-related, cards, and wealth management; trading and investment income grew 16% QoQ.
Non-interest income rose 5% QoQ, supported by record customer flows and treasury income.
Expenses remained stable; cost-to-income ratio increased to 45.2% due to lower income, not higher costs.
NPL ratio steady at 1.6%; NPA coverage improved to 100% (240% including collateral).
Outlook and guidance
2026 guidance: low single-digit loan growth, NIM of 1.75%-1.8%, high single- to double-digit fee growth, low single-digit operating cost growth, and total credit cost of 25-30 bps.
Credit costs expected to normalize from Q4 2025 onward, barring major global volatility.
No impact on 2025 final dividend from pre-emptive allowance.
ASEAN remains a key growth engine despite global uncertainties, with continued disciplined investment and focus on franchise growth.
Detail sector-specific headwinds
Loan growth strategy to offset NIM pressure
Reconfirm capital adequacy for future payouts
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Next United Overseas Bank earnings date
H2 202524 Feb, 2026
Next United Overseas Bank earnings date
H2 202524 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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