Overview
- Fourth-quarter net profit fell 7% year on year to S$1.41 billion, taking full-year 2025 earnings to S$4.7 billion, down 23%.
- UOB recommended a final dividend of S$0.71 per share, bringing the total 2025 dividend to S$1.56, or about a 50% payout ratio.
- The bank will make a one-off payment equal to half a month of base salary to about 6,000 junior employees in Q2 2026, totaling roughly S$4 million.
- Profitability metrics softened as full-year net interest margin declined to 1.89% and net interest income slipped 3% to S$9.36 billion, while net fee income rose to a record S$2.6 billion.
- For 2026, UOB guided to a full-year NIM of 1.75%–1.80%, low single-digit loan growth, high single-digit fee growth, low single-digit cost growth, and total credit costs of 25–30 basis points.