Uob Bank -

 UOB Group reported an operating profit of S$7.7 billion for the 

financial year ended 31 December 2025 (FY25), driven by strong fee momentum across our 

wholesale banking and retail banking businesses. Net profit for FY25 moderated 23% to S$4.7 billion from the previous year, largely due to the pre-emptive general allowances that the Group 

proactively set aside in the third quarter to strengthen provision coverage amid growing macroeconomic uncertainties.

The Board recommends the payment of a final dividend of 71 cents per ordinary share. Together with the interim dividend of 85 cents per ordinary share, the total dividend for FY25 will be S$1.56per ordinary share, representing a payout ratio of approximately 50%. In recognising the final dividends, the pre-emptive general provision set aside in the third quarter was excluded from the 

final dividend calculation. In addition to the regular dividends, the Group returned surplus capitalto shareholders through a special dividend of 50 cents per ordinary share, which was paid over two tranches during 2025. 

Net interest income for FY25 eased 3% year on year. Although loan growth was healthy at 4%,

margin pressures from lower benchmark rates offset the growth momentum. Net fee income grew 

7% to a record high of S$2.6 billion, driven by a double-digit growth in wealth management and 

loan-related fees. While trading income and liquidity management activities normalised from last 

year’s exceptional level, customer-related treasury income reached a new record high, backed by 

strong hedging and investment demand. 

Asset quality remained resilient with non-performing loan ratio stable at 1.5%. Following the pre-

emptive general provision set aside in the third quarter, credit costs for the fourth quarter improved 

to 19 basis points, as total allowances returned to normalised levels.