6th November 2025:
• Third quarter 2025 (3Q25) net profit at $0.4 billion, 67% lower QoQ and 72% lower
YoY due to pre-emptive provisions set aside this quarter.
• Additional $0.6 billion set aside in pre-emptive general allowance, in view of ongoing
macroeconomic uncertainties and sector-specific headwinds. General allowance
coverage strengthened to 1% of performing loans.
• Net interest income moderated, as net interest margin narrowed nine basis points
from last quarter to 1.82% on lower asset yields due to benchmark rates decline
• Fee income rose to $892 million, supported by resilient growth in core fee drivers amid
improved market sentiment
• Trading and investment income grew 16% QoQ driven by record-high customer flow
treasury income
• NPL ratio flat at 1.6%. NPA coverage at 100% or 240% after taking collateral into
account.
• Strong capital, liquidity, and funding positions maintained.
• Dividend payment will not be impacted by this pre-emptive general allowance.
The Group achieved resilient third quarter results, reflecting the strength of our
core franchise with continued momentum across loans, deposits, wealth AUM
and fees.
From this position of strength, we proactively set aside general allowances to
significantly enhance provision coverage, backed by our strong capital base. This
move reinforces resilience and flexibility to navigate headwinds and sustain long
term growth. By prioritising balance sheet strength, we stand ready to act, support
customers and seize strategic growth opportunities. For shareholders, our share
buyback and dividend commitments remain intact, and the pre-emptive allowance
will not impact this year’s final dividend.
Looking ahead, ASEAN remains a key growth engine despite global
uncertainties. We will continue to invest with discipline, stay nimble, and play to
our strengths. We remain committed to growing our franchise, supporting in delivering long term value.
18th October 2025:
Uob Bank - Yesterday, witnessing the price Gapped down and close at the support of 34.30, looks rather bearish, cautious mode!
If she can't bounce-off from the current price level and continue to trend lower which indicate that Bear is fully in control , she may slide further downward to test 32.80 than 32.00 with extension to 30 and below.
Do monitor and see if any bad news about any bad loans etc that may affect the price !
Not a call to buy or sell!
Pls dyodd.
11 October 2025:
Uob Bank - With US indexes overnight dropping more than 1.9 percents and US-China Trade tensions, stocks market may turn lower!
Dow Jones Industrial Average had closed down 1.90% while the S&P 500 finished down 2.71%, and the Nasdaq Composite lost 3.56% on the day.
Stocks market may become volatile and is OK to stay sideline! Pls dyodd.
Uob bank, chart wise, with this new Trade tensions price may fall lower to test the recent low of 34.33.
If 34.33 cannot hold, Next, she may go down to test 32.80 than 31.60 with extension to 28.52.
Not a call to buy or sell!