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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 Q3 2025 was SGD 1.9 billion, reflecting sustained franchise growth across retail, wholesale, and global markets, despite net profit dropping to SGD 443 million due to SGD 615 million in preemptive general allowances for macroeconomic and sector-specific risks.
Franchise growth was broad-based, with loans up 5% year on year and trade loans up 22% year on year, supported by strong performance in wealth AUM, card billings, and investment banking.
Maintained commitment to SGD 2 billion share buyback (24% completed) and 50% dividend payout policy, with 2025 final dividend unaffected by provisions.
Core franchise performance remains sound, with broad-based loan growth and strong fundamentals.
Financial highlights
Net interest income for Q3 2025 was SGD 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, driven by wealth, cards, and loan-related activities.
Trading and investment income grew 16% quarter on quarter, supported by record customer flows and treasury income.
NPL ratio remained stable at 1.6%, with NPA coverage at 100% (240% including collateral).
Cost-to-income ratio increased to 45.2% due to lower income, not higher expenses.
Outlook and guidance
Guidance for 2026: 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 cost of 25-30 basis points.
Credit costs expected to normalize from Q4 2025 and into 2026, barring major global volatility.
ASEAN remains a key growth engine despite global uncertainties.
Final dividend payment for 2025 will not be impacted by the pre-emptive general allowance.
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 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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