United Overseas Bank ( (UOVEY) ) has released its Q3 earnings. Here is a breakdown of the information United Overseas Bank presented to its investors.
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United Overseas Bank (UOB) is a leading financial institution in Singapore, operating in the banking and financial services sector, known for its comprehensive range of services including personal and corporate banking, wealth management, and investment banking.
In the third quarter of 2025, UOB reported a resilient financial performance, showcasing the strength of its core franchise with continued growth in loans, deposits, and wealth assets under management (AUM). Despite global uncertainties, the bank maintained its commitment to shareholder returns through share buybacks and dividends.
Key financial metrics for the quarter included a net profit of S$443 million, reflecting a proactive approach to setting aside general allowances to enhance provision coverage. The bank’s operating profit stood at S$1.9 billion, with notable progress in wealth management, card billings, and investment banking. Fee income saw an 8% increase quarter-on-quarter, driven by growth in wealth, card, and loan-related activities.
Despite a 3% decline in net interest income due to margin pressures, UOB’s customer-related treasury income reached new heights. The bank’s non-performing loan ratio remained stable at 1.6%, and its capital positions were robust, with a Common Equity Tier 1 ratio of 14.6%.
Looking ahead, UOB remains focused on ASEAN as a key growth region, with plans to continue disciplined investments and strategic growth initiatives. The bank’s management is committed to supporting clients and delivering sustainable long-term value, navigating through macroeconomic challenges with resilience and strategic foresight.