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SINGAPORE — Singapore’s United Overseas Bank (UOB) reported on Tuesday a 7% fall in net profit in the fourth quarter from a year earlier as margin headwinds outweighed loan growth, though the result still beat analyst expectations .
📊 Key Financial Results
| Metric | Q4 2025 | Q4 2024 | Change |
|---|---|---|---|
| Net Profit | S$1.41 billion | S$1.52 billion | -7% |
| Net Interest Margin | 1.89% (full-year 2025) | 2.03% (full-year 2024) | -14 bps |
The net profit of S$1.41 billion (US$1.11 billion) exceeded the mean estimate of S$1.35 billion from three analysts polled by LSEG .
📈 Wealth Management Growth
Despite the profit decline, UOB’s wealth management business showed strong momentum:
- Wealth Assets Under Management (AUM): Rose 6% on-year to S$201 billion
- The bank has been expanding its wealth management presence across Southeast Asia
💰 Dividend Announcement
UOB announced a final dividend of 71 Singapore cents per share for the quarter .
🔍 Context
UOB, Southeast Asia’s third-largest bank by assets, faced margin compression in 2025 as net interest margin fell to 1.89% from 2.03% in 2024 . The results reflect broader challenges in the regional banking sector amid interest rate uncertainty, though UOB’s performance still demonstrated resilience by beating analyst forecasts .
