UOB U11
Financials
UOB Annual Report 2025
Explore the statements
18 tablesIncome Statements
24 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Group | 2024Group | 2025Bank | 2024Bank | Source |
|---|---|---|---|---|---|
| Income statement | |||||
| Interest income$ millions | 20,676 | 23,259 | 16,189 | 18,634 | PDF p. 137 |
| Less: Interest expense$ millions | 11,321 | 13,585 | 9,660 | 11,815 | PDF p. 137 |
| Net interest income$ millions | 9,355 | 9,674 | 6,529 | 6,819 | PDF p. 137 |
| Net fee and commission income$ millions | 2,569 | 2,395 | 1,868 | 1,679 | PDF p. 137 |
| Net trading income$ millions | 1,367 | 1,689 | 881 | 1,231 | PDF p. 137 |
| Net gain from investment securities$ millions | 207 | 314 | 97 | 260 | PDF p. 137 |
| Rental income$ millions | 98 | 101 | 59 | 74 | PDF p. 137 |
| Other income$ millions | 212 | 121 | 1,166 | 1,387 | PDF p. 137 |
| Non-interest income$ millions | 4,453 | 4,620 | 4,071 | 4,631 | PDF p. 137 |
| Total operating income$ millions | 13,808 | 14,294 | 10,600 | 11,450 | PDF p. 137 |
| Less: Staff costs$ millions | 3,413 | 3,699 | 2,076 | 2,310 | PDF p. 137 |
| Other operating expenses$ millions | 2,744 | 2,611 | 1,874 | 1,689 | PDF p. 137 |
| Total operating expenses$ millions | 6,157 | 6,310 | 3,950 | 3,999 | PDF p. 137 |
| Operating profit before allowance and amortisation$ millions | 7,651 | 7,984 | 6,650 | 7,451 | PDF p. 137 |
| Less: Amortisation of intangible assets$ millions | 31 | 28 | − | − | PDF p. 137 |
| Allowance for credit and other losses$ millions | 2,042 | 926 | 1,568 | 383 | PDF p. 137 |
| Operating profit after allowance and amortisation$ millions | 5,578 | 7,030 | 5,082 | 7,068 | PDF p. 137 |
| Share of profit of associates and joint ventures$ millions | 79 | 121 | − | − | PDF p. 137 |
| Profit before tax$ millions | 5,657 | 7,151 | 5,082 | 7,068 | PDF p. 137 |
| Less: Tax$ millions | 962 | 1,092 | 682 | 875 | PDF p. 137 |
| Profit for the financial year$ millions | 4,695 | 6,059 | 4,400 | 6,193 | PDF p. 137 |
| Attributable to | |||||
| Equity holders of the Bank$ millions | 4,682 | 6,045 | 4,400 | 6,193 | PDF p. 137 |
| Non-controlling interests$ millions | 13 | 14 | − | − | PDF p. 137 |
| Subtotal$ millions | 4,695 | 6,059 | 4,400 | 6,193 | PDF p. 137 |
Definitions & sources
Original report: PDF p. 137 ↗
Earnings per share — Group
2 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Group | 2024Group | Source |
|---|---|---|---|
| Earnings per share ($) | |||
| Basic$ per share | 2.76 | 3.56 | PDF p. 137 |
| Diluted$ per share | 2.75 | 3.54 | PDF p. 137 |
Definitions & sources
Original report: PDF p. 137 ↗
The report presents Basic and Diluted earnings per share for the Group only; no Bank EPS values are printed.
Statements of Comprehensive Income
18 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Group | 2024Group | 2025Bank | 2024Bank | Source |
|---|---|---|---|---|---|
| Statement of comprehensive income | |||||
| Profit for the financial year$ millions | 4,695 | 6,059 | 4,400 | 6,193 | PDF p. 138 |
| Other comprehensive income that will not be reclassified to income statement | |||||
| Net gain on equity instruments at fair value through other comprehensive income$ millions | 320 | 23 | 288 | 21 | PDF p. 138 |
| Fair value changes on financial liabilities designated at fair value due to the Bank’s own credit risk$ millions | (11) | 5 | (14) | 4 | PDF p. 138 |
| Remeasurement of defined benefit obligation$ millions | (5) | (6) | # | # | PDF p. 138 |
| Related tax on items at fair value through other comprehensive income$ millions | (7) | 1 | (5) | (1) | PDF p. 138 |
| Subtotal$ millions | 297 | 23 | 269 | 24 | PDF p. 138 |
| Other comprehensive income that may be subsequently reclassified to income statement | |||||
| Currency translation adjustments$ millions | 4 | 264 | (28) | (44) | PDF p. 138 |
| Net gain/(loss) on debt instruments classified at fair value through other comprehensive income and cash flow hedge: Net valuation taken to equity$ millions | 1,337 | 508 | 1,081 | 315 | PDF p. 138 |
| Transferred to income statement$ millions | (153) | (293) | (79) | (226) | PDF p. 138 |
| Change in allowance for expected credit losses$ millions | 23 | 1 | 20 | 7 | PDF p. 138 |
| Related tax$ millions | (84) | (32) | (45) | (7) | PDF p. 138 |
| Subtotal$ millions | 1,127 | 448 | 949 | 45 | PDF p. 138 |
| Change in share of other comprehensive income of associates and joint ventures$ millions | (12) | 4 | − | − | PDF p. 138 |
| Statement of comprehensive income | |||||
| Other comprehensive income for the financial year, net of tax$ millions | 1,412 | 475 | 1,218 | 69 | PDF p. 138 |
| Total comprehensive income for the financial year, net of tax$ millions | 6,107 | 6,534 | 5,618 | 6,262 | PDF p. 138 |
| Attributable to | |||||
| Equity holders of the Bank$ millions | 6,079 | 6,515 | 5,618 | 6,262 | PDF p. 138 |
| Non-controlling interests$ millions | 28 | 19 | − | − | PDF p. 138 |
| Subtotal$ millions | 6,107 | 6,534 | 5,618 | 6,262 | PDF p. 138 |
Definitions & sources
Original report: PDF p. 138 ↗
# Amount less than $500,000
Balance Sheets
34 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Group | 2024Group | 2025Bank | 2024Bank | Source |
|---|---|---|---|---|---|
| Equity | |||||
| Share capital and other capital$ millions | 7,600 | 7,709 | 7,600 | 7,709 | PDF p. 139 |
| Retained earnings$ millions | 35,060 | 34,834 | 26,487 | 26,561 | PDF p. 139 |
| Other reserves$ millions | 8,588 | 7,190 | 9,765 | 8,528 | PDF p. 139 |
| Equity attributable to equity holders of the Bank$ millions | 51,248 | 49,733 | 43,852 | 42,798 | PDF p. 139 |
| Non-controlling interests$ millions | 245 | 224 | − | − | PDF p. 139 |
| Total equity$ millions | 51,493 | 49,957 | 43,852 | 42,798 | PDF p. 139 |
| Liabilities - Deposits and balances of | |||||
| Banks$ millions | 28,737 | 19,735 | 25,605 | 16,047 | PDF p. 139 |
| Customers$ millions | 425,938 | 403,978 | 331,526 | 314,153 | PDF p. 139 |
| Subsidiaries$ millions | − | − | 24,167 | 20,606 | PDF p. 139 |
| Liabilities | |||||
| Bills and drafts payable$ millions | 566 | 665 | 438 | 562 | PDF p. 139 |
| Derivative financial liabilities$ millions | 11,532 | 12,514 | 9,701 | 10,178 | PDF p. 139 |
| Other liabilities$ millions | 8,415 | 8,377 | 6,386 | 6,481 | PDF p. 139 |
| Tax payable$ millions | 610 | 751 | 590 | 681 | PDF p. 139 |
| Deferred tax liabilities$ millions | 347 | 320 | 297 | 303 | PDF p. 139 |
| Debts issued$ millions | 44,423 | 41,367 | 42,701 | 39,316 | PDF p. 139 |
| Total liabilities$ millions | 520,568 | 487,707 | 441,411 | 408,327 | PDF p. 139 |
| Balance sheet | |||||
| Total equity and liabilities$ millions | 572,061 | 537,664 | 485,263 | 451,125 | PDF p. 139 |
| Assets | |||||
| Cash, balances and placements with central banks$ millions | 35,742 | 38,577 | 31,653 | 33,690 | PDF p. 139 |
| Singapore government treasury bills and securities$ millions | 17,625 | 13,281 | 17,605 | 13,260 | PDF p. 139 |
| Other government treasury bills and securities$ millions | 45,070 | 33,570 | 25,484 | 17,790 | PDF p. 139 |
| Trading securities$ millions | 5,556 | 3,792 | 3,712 | 2,377 | PDF p. 139 |
| Placements and balances with banks$ millions | 32,954 | 37,432 | 26,731 | 29,698 | PDF p. 139 |
| Loans to customers$ millions | 347,877 | 333,930 | 271,118 | 258,570 | PDF p. 139 |
| Placements with and advances to subsidiaries$ millions | − | − | 25,340 | 22,637 | PDF p. 139 |
| Derivative financial assets$ millions | 10,893 | 12,132 | 9,206 | 10,090 | PDF p. 139 |
| Investment securities$ millions | 51,840 | 44,680 | 48,517 | 41,905 | PDF p. 139 |
| Other assets$ millions | 12,138 | 8,480 | 9,976 | 5,855 | PDF p. 139 |
| Deferred tax assets$ millions | 707 | 657 | 336 | 239 | PDF p. 139 |
| Investment in associates and joint ventures$ millions | 1,252 | 1,302 | 283 | 301 | PDF p. 139 |
| Investment in subsidiaries$ millions | − | − | 8,413 | 8,067 | PDF p. 139 |
| Investment properties$ millions | 663 | 683 | 522 | 550 | PDF p. 139 |
| Fixed assets$ millions | 4,791 | 4,169 | 3,185 | 2,914 | PDF p. 139 |
| Intangible assets$ millions | 4,953 | 4,979 | 3,182 | 3,182 | PDF p. 139 |
| Total assets$ millions | 572,061 | 537,664 | 485,263 | 451,125 | PDF p. 139 |
Definitions & sources
Original report: PDF p. 139 ↗
Statements of Changes in Equity — Group — 2025
12 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Group; attributable to equity holders of the Bank: share capital and other capital | 2025Group; attributable to equity holders of the Bank: retained earnings | 2025Group; attributable to equity holders of the Bank: other reserves | 2025Group; attributable to equity holders of the Bank: total | 2025Group: non-controlling interests | 2025Group: total equity | Source |
|---|---|---|---|---|---|---|---|
| 2025 movements in equity | |||||||
| Balance at 1 January$ millions | 7,709 | 34,834 | 7,190 | 49,733 | 224 | 49,957 | PDF p. 140 |
| Profit for the financial year$ millions | − | 4,682 | − | 4,682 | 13 | 4,695 | PDF p. 140 |
| Other comprehensive income for the financial year$ millions | − | (11) | 1,408 | 1,397 | 15 | 1,412 | PDF p. 140 |
| Total comprehensive income for the financial year$ millions | − | 4,671 | 1,408 | 6,079 | 28 | 6,107 | PDF p. 140 |
| Transfers$ millions | − | 21 | (21) | − | − | − | PDF p. 140 |
| Change in non-controlling interests$ millions | − | − | − | − | 1 | 1 | PDF p. 140 |
| Dividends$ millions | − | (3,875) | − | (3,875) | (8) | (3,883) | PDF p. 140 |
| Shares re-purchased – cancelled$ millions | (59) | (591) | − | (650) | − | (650) | PDF p. 140 |
| Shares re-purchased – held in treasury$ millions | (120) | − | − | (120) | − | (120) | PDF p. 140 |
| Share-based compensation$ millions | − | − | 90 | 90 | − | 90 | PDF p. 140 |
| Shares issued under share-based compensation plan$ millions | 70 | − | (79) | (9) | − | (9) | PDF p. 140 |
| Balance at 31 December$ millions | 7,600 | 35,060 | 8,588 | 51,248 | 245 | 51,493 | PDF p. 140 |
Definitions & sources
Original report: PDF p. 140 ↗
Column headings are Share capital and other capital, Retained earnings, Other reserves, Total attributable to equity holders of the Bank, Non-controlling interests, and Total equity. Note references beneath the table: 15, 16 and 17. The accounting policies and explanatory notes form an integral part of the financial statements.
Year assignment follows the printed 2025 and 2024 section headings.
Statements of Changes in Equity — Group — 2024
11 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2024Group; attributable to equity holders of the Bank: share capital and other capital | 2024Group; attributable to equity holders of the Bank: retained earnings | 2024Group; attributable to equity holders of the Bank: other reserves | 2024Group; attributable to equity holders of the Bank: total | 2024Group: non-controlling interests | 2024Group: total equity | Source |
|---|---|---|---|---|---|---|---|
| 2024 movements in equity | |||||||
| Balance at 1 January$ millions | 7,752 | 31,800 | 6,674 | 46,226 | 242 | 46,468 | PDF p. 140 |
| Profit for the financial year$ millions | − | 6,045 | − | 6,045 | 14 | 6,059 | PDF p. 140 |
| Other comprehensive income for the financial year$ millions | − | (12) | 482 | 470 | 5 | 475 | PDF p. 140 |
| Total comprehensive income for the financial year$ millions | − | 6,033 | 482 | 6,515 | 19 | 6,534 | PDF p. 140 |
| Transfers$ millions | − | (9) | 9 | − | − | − | PDF p. 140 |
| Change in non-controlling interests$ millions | − | − | − | − | (30) | (30) | PDF p. 140 |
| Dividends$ millions | − | (2,990) | − | (2,990) | (7) | (2,997) | PDF p. 140 |
| Shares re-purchased – held in treasury$ millions | (102) | − | − | (102) | − | (102) | PDF p. 140 |
| Share-based compensation$ millions | − | − | 83 | 83 | − | 83 | PDF p. 140 |
| Shares issued under share-based compensation plan$ millions | 59 | − | (58) | 1 | − | 1 | PDF p. 140 |
| Balance at 31 December$ millions | 7,709 | 34,834 | 7,190 | 49,733 | 224 | 49,957 | PDF p. 140 |
Definitions & sources
Original report: PDF p. 140 ↗
Column headings are Share capital and other capital, Retained earnings, Other reserves, Total attributable to equity holders of the Bank, Non-controlling interests, and Total equity. Note references beneath the table: 15, 16 and 17. The accounting policies and explanatory notes form an integral part of the financial statements.
Year assignment follows the printed 2025 and 2024 section headings.
Statements of Changes in Equity — Bank — 2025
11 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Bank: share capital and other capital | 2025Bank: retained earnings | 2025Bank: other reserves | 2025Bank: total equity | Source |
|---|---|---|---|---|---|
| 2025 movements in equity | |||||
| Balance at 1 January$ millions | 7,709 | 26,561 | 8,528 | 42,798 | PDF p. 141 |
| Profit for the financial year$ millions | − | 4,400 | − | 4,400 | PDF p. 141 |
| Other comprehensive income for the financial year$ millions | − | (7) | 1,225 | 1,218 | PDF p. 141 |
| Total comprehensive income for the financial year$ millions | − | 4,393 | 1,225 | 5,618 | PDF p. 141 |
| Transfers$ millions | − | (1) | 1 | − | PDF p. 141 |
| Dividends$ millions | − | (3,875) | − | (3,875) | PDF p. 141 |
| Shares re-purchased – cancelled$ millions | (59) | (591) | − | (650) | PDF p. 141 |
| Shares re-purchased – held in treasury$ millions | (120) | − | − | (120) | PDF p. 141 |
| Share-based compensation$ millions | − | − | 90 | 90 | PDF p. 141 |
| Shares issued under share-based compensation plan$ millions | 70 | − | (79) | (9) | PDF p. 141 |
| Balance at 31 December$ millions | 7,600 | 26,487 | 9,765 | 43,852 | PDF p. 141 |
Definitions & sources
Original report: PDF p. 141 ↗
Column headings are Share capital and other capital, Retained earnings, Other reserves, and Total equity. Note references beneath the table: 15, 16 and 17. The accounting policies and explanatory notes form an integral part of the financial statements.
Year assignment follows the printed 2025 and 2024 section headings.
Statements of Changes in Equity — Bank — 2024
10 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2024Bank: share capital and other capital | 2024Bank: retained earnings | 2024Bank: other reserves | 2024Bank: total equity | Source |
|---|---|---|---|---|---|
| 2024 movements in equity | |||||
| Balance at 1 January$ millions | 7,752 | 23,363 | 8,429 | 39,544 | PDF p. 141 |
| Profit for the financial year$ millions | − | 6,193 | − | 6,193 | PDF p. 141 |
| Other comprehensive income for the financial year$ millions | − | (7) | 76 | 69 | PDF p. 141 |
| Total comprehensive income for the financial year$ millions | − | 6,186 | 76 | 6,262 | PDF p. 141 |
| Transfers$ millions | − | 2 | (2) | − | PDF p. 141 |
| Dividends$ millions | − | (2,990) | − | (2,990) | PDF p. 141 |
| Shares re-purchased – held in treasury$ millions | (102) | − | − | (102) | PDF p. 141 |
| Share-based compensation$ millions | − | − | 83 | 83 | PDF p. 141 |
| Shares issued under share-based compensation plan$ millions | 59 | − | (58) | 1 | PDF p. 141 |
| Balance at 31 December$ millions | 7,709 | 26,561 | 8,528 | 42,798 | PDF p. 141 |
Definitions & sources
Original report: PDF p. 141 ↗
Column headings are Share capital and other capital, Retained earnings, Other reserves, and Total equity. Note references beneath the table: 15, 16 and 17. The accounting policies and explanatory notes form an integral part of the financial statements.
Year assignment follows the printed 2025 and 2024 section headings.
Consolidated Cash Flow Statement
44 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Group | 2024Group | Source |
|---|---|---|---|
| Cash flows from operating activities | |||
| Profit for the financial year$ millions | 4,695 | 6,059 | PDF p. 142 |
| Cash flows from operating activities; Adjustments for | |||
| Allowance for credit and other losses$ millions | 2,042 | 926 | PDF p. 142 |
| Amortisation of intangible assets$ millions | 31 | 28 | PDF p. 142 |
| Fair value change in other debts issued$ millions | (38) | (148) | PDF p. 142 |
| Share of profit of associates and joint ventures$ millions | (79) | (121) | PDF p. 142 |
| Tax$ millions | 962 | 1,092 | PDF p. 142 |
| Depreciation of assets$ millions | 748 | 647 | PDF p. 142 |
| Net gain on disposal of assets$ millions | (389) | (591) | PDF p. 142 |
| Share-based compensation$ millions | 80 | 83 | PDF p. 142 |
| Cash flows from operating activities | |||
| Operating profit before working capital changes$ millions | 8,052 | 7,975 | PDF p. 142 |
| Cash flows from operating activities; Change in working capital | |||
| Deposits and balances of banks$ millions | 9,173 | (12,521) | PDF p. 142 |
| Deposits and balances of customers$ millions | 22,193 | 15,709 | PDF p. 142 |
| Bills and drafts payable$ millions | (103) | (239) | PDF p. 142 |
| Other liabilities$ millions | 1,264 | 243 | PDF p. 142 |
| Restricted balances with central banks$ millions | (49) | (111) | PDF p. 142 |
| Government treasury bills and securities$ millions | (15,475) | (7,787) | PDF p. 142 |
| Trading securities$ millions | (1,551) | 708 | PDF p. 142 |
| Placements and balances with banks$ millions | 4,467 | (2,141) | PDF p. 142 |
| Loans to customers$ millions | (16,970) | (15,064) | PDF p. 142 |
| Investment securities$ millions | (6,184) | 1,835 | PDF p. 142 |
| Other assets$ millions | (2,306) | (2,107) | PDF p. 142 |
| Cash flows from operating activities | |||
| Cash generated from/(used in) operations$ millions | 2,511 | (13,500) | PDF p. 142 |
| Income tax paid$ millions | (1,193) | (1,349) | PDF p. 142 |
| Net cash provided by/(used in) operating activities$ millions | 1,318 | (14,849) | PDF p. 142 |
| Cash flows from investing activities | |||
| Capital injection into associates and joint ventures$ millions | − | (5) | PDF p. 142 |
| Proceeds from disposal of associates and joint ventures$ millions | 17 | − | PDF p. 142 |
| Distribution from associates and joint ventures$ millions | 54 | 69 | PDF p. 142 |
| Purchase of properties and other fixed assets$ millions | (1,272) | (867) | PDF p. 142 |
| Disposal of properties and other fixed assets$ millions | 50 | 32 | PDF p. 142 |
| Net cash used in investing activities$ millions | (1,151) | (771) | PDF p. 142 |
| Cash flows from financing activities | |||
| Issuance of debts issued (Note 23)$ millions | 37,910 | 36,256 | PDF p. 142 |
| Redemption of debts issued (Note 23)$ millions | (34,764) | (31,861) | PDF p. 142 |
| Shares re-purchased – cancelled$ millions | (650) | − | PDF p. 142 |
| Shares re-purchased – held in treasury$ millions | (120) | (102) | PDF p. 142 |
| Change in non-controlling interests$ millions | 1 | (30) | PDF p. 142 |
| Dividends paid on ordinary shares$ millions | (3,781) | (2,896) | PDF p. 142 |
| Distribution on perpetual capital securities$ millions | (107) | (108) | PDF p. 142 |
| Dividends paid to non-controlling interests$ millions | (8) | (7) | PDF p. 142 |
| Lease payments$ millions | (309) | (125) | PDF p. 142 |
| Net cash (used in)/provided by financing activities$ millions | (1,828) | 1,127 | PDF p. 142 |
| Cash flows | |||
| Currency translation adjustments$ millions | (1,231) | 567 | PDF p. 142 |
| Net decrease in cash and cash equivalents$ millions | (2,892) | (13,926) | PDF p. 142 |
| Cash and cash equivalents at beginning of the financial year$ millions | 31,805 | 45,731 | PDF p. 142 |
| Cash and cash equivalents at end of the financial year (Note 24)$ millions | 28,913 | 31,805 | PDF p. 142 |
Definitions & sources
Original report: PDF p. 142 ↗
Only consolidated Group cash flows are presented in this statement. The accounting policies and explanatory notes form an integral part of the financial statements.
Total annualised shareholder return, 2021–2025
1 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Bank; total annualised return for 2021–2025 | Source |
|---|---|---|
| Selected investment metrics | ||
| Total annualised shareholder return from 2021 to 2025 (%)% | 13.7 | PDF p. 44 |
Definitions & sources
Original report: PDF p. 44 ↗
The printed metric is a single total annualised return for the 2021–2025 period; no annual 2021–2024 values are shown.
Selected investment metrics
8 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2021Group | 2022Group | 2023Group | 2024Group | 2025Group | Source |
|---|---|---|---|---|---|---|
| Selected investment metrics | ||||||
| Share price ($) — Highest$ per share | 28.17 | 33.33 | 31.33 | 37.42 | 39.20 | PDF p. 44 |
| Share price ($) — Lowest$ per share | 22.41 | 25.91 | 26.82 | 27.62 | 29.00 | PDF p. 44 |
| Share price ($) — Average$ per share | 25.81 | 28.98 | 28.60 | 31.36 | 35.73 | PDF p. 44 |
| Share price ($) — Last done$ per share | 26.90 | 30.70 | 28.45 | 36.33 | 35.06 | PDF p. 44 |
| Market capitalisation ($ billion) a$ billion | 44.98 | 51.41 | 47.58 | 60.73 | 57.93 | PDF p. 44 |
| Price-to-earnings ratio (x) bx | 10.80 | 10.77 | 8.56 | 8.81 | 12.94 | PDF p. 44 |
| Price-to-book ratio (x) bx | 1.07 | 1.20 | 1.10 | 1.12 | 1.22 | PDF p. 44 |
| Net dividend yield (%) b% | 4.65 | 4.66 | 5.94 | 5.74 | 5.77 | PDF p. 44 |
Definitions & sources
Original report: PDF p. 44 ↗
Five-Year Group Financial Summary
19 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2021Group | 2022Group | 2023Group | 2024Group | 2025Group | Source |
|---|---|---|---|---|---|---|
| Selected Income Statement Items | ||||||
| Total income$ million | 9,789 | 11,575 | 13,932 | 14,294 | 13,808 | PDF p. 45 |
| Total expenses$ million | 4,313 | 5,281 | 6,217 | 6,310 | 6,157 | PDF p. 45 |
| Operating profit$ million | 5,476 | 6,294 | 7,715 | 7,984 | 7,651 | PDF p. 45 |
| Net profit after tax a$ million | 4,075 | 4,573 | 5,711 | 6,045 | 4,682 | PDF p. 45 |
| Selected Balance Sheet Items | ||||||
| Gross customer loans$ billion | 311 | 320 | 321 | 338 | 352 | PDF p. 45 |
| Customer deposits$ billion | 353 | 369 | 385 | 404 | 426 | PDF p. 45 |
| Total assets$ billion | 459 | 504 | 524 | 538 | 572 | PDF p. 45 |
| Shareholders’ equity a$ billion | 43 | 43 | 46 | 50 | 51 | PDF p. 45 |
| Financial Indicators | ||||||
| Cost/Income ratio% | 44.1 | 45.6 | 44.6 | 44.1 | 44.6 | PDF p. 45 |
| Non-performing loan ratio% | 1.6 | 1.6 | 1.5 | 1.5 | 1.5 | PDF p. 45 |
| Return on average ordinary shareholders’ equity b% | 10.2 | 11.2 | 13.4 | 13.3 | 9.6 | PDF p. 45 |
| Return on average total assets% | 0.92 | 0.94 | 1.12 | 1.16 | 0.86 | PDF p. 45 |
| Return on average risk-weighted assets% | 1.68 | 1.74 | 2.16 | 2.27 | 1.75 | PDF p. 45 |
| Capital Adequacy Ratios | ||||||
| Common Equity Tier 1% | 13.5 | 13.3 | 13.4 | 15.5 | 15.1 | PDF p. 45 |
| Tier 1% | 14.4 | 14.4 | 14.4 | 16.6 | 16.1 | PDF p. 45 |
| Total% | 16.6 | 16.7 | 16.6 | 18.2 | 17.7 | PDF p. 45 |
| Per Ordinary Share | ||||||
| Basic earnings ($) b$ per share | 2.39 | 2.69 | 3.34 | 3.56 | 2.76 | PDF p. 45 |
| Net asset value ($)$ per share | 24.08 | 24.24 | 26.00 | 28.11 | 29.36 | PDF p. 45 |
| Net dividend (cents) ccents per share | 120 | 135 | 170 | 180 | 156 | PDF p. 45 |
Definitions & sources
Original report: PDF p. 45 ↗
a Relates to the amount attributable to equity holders of the Bank.
b Calculated based on profit attributable to equity holders of the Bank net of perpetual capital securities distributions.
c Excluding special dividends.
Net dividend per ordinary share, excluding special dividends
1 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2021Bank | 2022Bank | 2023Bank | 2024Bank | 2025Bank | Source |
|---|---|---|---|---|---|---|
| Dividend per share | ||||||
| Net dividend (cents)cents per share | 120 | 135 | 170 | 180 | 156 | PDF p. 45 |
Definitions & sources
Original report: PDF p. 45 ↗
The five-year summary labels these values “Net dividend (cents)” and footnote c excludes special dividends. The separate chart on physical page 44 shows the stacked dividend components and total bars.
UOB dividend chart — Interim
1 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Bank | 2024Bank | 2023Bank | 2022Bank | 2021Bank | Source |
|---|---|---|---|---|---|---|
| Dividend per share and payout ratio chart | ||||||
| Interimcents per share | 85 | 88 | 85 | 60 | 60 | PDF p. 44 |
Definitions & sources
Original report: PDF p. 44 ↗
Year and series mapping checked against the chart geometry on physical page 44.
UOB dividend chart — Final
1 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Bank | 2024Bank | 2023Bank | 2022Bank | 2021Bank | Source |
|---|---|---|---|---|---|---|
| Dividend per share and payout ratio chart | ||||||
| Finalcents per share | 71 | 92 | 85 | 75 | 60 | PDF p. 44 |
Definitions & sources
Original report: PDF p. 44 ↗
Year and series mapping checked against the chart geometry on physical page 44.
UOB dividend chart — Special — FY 2025
1 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Bank | Source |
|---|---|---|
| Dividend per share and payout ratio chart | ||
| Specialcents per share | 50 | PDF p. 44 |
Definitions & sources
Original report: PDF p. 44 ↗
Year and series mapping checked against the chart geometry on physical page 44.
UOB dividend chart — Total shown above the dividend bars
1 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Bank | 2024Bank | 2023Bank | 2022Bank | 2021Bank | Source |
|---|---|---|---|---|---|---|
| Dividend per share and payout ratio chart | ||||||
| UOB’s dividend per share (cents)cents per share | 206 | 180 | 170 | 135 | 120 | PDF p. 44 |
Definitions & sources
Original report: PDF p. 44 ↗
Value is the total printed above the stacked bar for this year; special dividend is shown separately only for FY2025.
UOB dividend chart — Core Payout ratio
1 metricsUnits appear below each metric. Scroll to compare years
| Metric / unit | 2025Bank | 2024Bank | 2023Bank | 2022Bank | 2021Bank | Source |
|---|---|---|---|---|---|---|
| Dividend per share and payout ratio chart | ||||||
| Core Payout ratio% | 50 | 50 | 50 | 49 | 49 | PDF p. 44 |
Definitions & sources
Original report: PDF p. 44 ↗
Year and series mapping checked against the chart geometry on physical page 44.
The FY2025 core payout label carries footnote 2; the printed numeric value is 50.
Where the money comes from
Segment information
By business
Business segments - selected income statement items, The Group 11 lines
| Item / unit | 2025GR | 2025GWB | 2025GM | 2025Others | 2025Total | 2024GR | 2024GWB | 2024GM | 2024Others | 2024Total | Source |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Selected income statement items | |||||||||||
| Net interest income$ millions | 3,344 | 4,482 | 616 | 913 | 9,355 | 3,841 | 5,130 | (330) | 1,033 | 9,674 | PDF p. 211 |
| Non-interest income$ millions | 1,756 | 1,763 | 448 | 486 | 4,453 | 1,650 | 1,596 | 1,034 | 340 | 4,620 | PDF p. 211 |
| Operating income$ millions | 5,100 | 6,245 | 1,064 | 1,399 | 13,808 | 5,491 | 6,726 | 704 | 1,373 | 14,294 | PDF p. 211 |
| Operating expenses$ millions | (2,789) | (1,661) | (275) | (1,432) | (6,157) | (2,949) | (1,731) | (264) | (1,366) | (6,310) | PDF p. 211 |
| Amortisation of intangible assets$ millions | (29) | − | − | (2) | (31) | (28) | − | − | − | (28) | PDF p. 211 |
| Allowance for credit and other losses$ millions | (307) | (1,128) | (34) | (573) | (2,042) | PDF p. 211 | |||||
| Share of (loss)/profit of associates and joint ventures$ millions | # | (17) | − | 96 | 79 | (1) | 4 | − | 118 | 121 | PDF p. 211 |
| Profit/(Loss) before tax$ millions | 1,975 | 3,439 | 755 | (512) | 5,657 | 2,074 | 4,384 | 426 | 267 | 7,151 | PDF p. 211 |
| Other information | |||||||||||
| Additions to fixed assets$ millions | 18 | 47 | 1 | 1,322 | 1,388 | 31 | 44 | 1 | 970 | 1,046 | PDF p. 211 |
| Depreciation of assets$ millions | 69 | 52 | 10 | 617 | 748 | 63 | 49 | 11 | 524 | 647 | PDF p. 211 |
| Selected income statement items | |||||||||||
| (Allowance for)/Write-back of credit and other losses$ millions | (439) | (615) | (14) | 142 | (926) | PDF p. 211 | |||||
Notes
Selected income statement items; In $ millions. GR = Group Retail, GWB = Group Wholesale Banking, GM = Global Markets. # Amount less than $500,000. (1) Comparative segment information for prior periods has been adjusted for changes in organisational structure, if any.
Comparative 2024 block. In $ millions. # Amount less than $500,000. (1) Comparative segment information for prior periods has been adjusted for changes in organisational structure, if any.
Business segments - selected balance sheet items, The Group 7 lines
| Item / unit | 2025GR | 2025GWB | 2025GM | 2025Others | 2025Total | 2024GR | 2024GWB | 2024GM | 2024Others | 2024Total | Source |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Selected balance sheet items | |||||||||||
| Segment assets$ millions | 118,422 | 257,945 | 184,527 | 4,962 | 565,856 | 114,471 | 246,486 | 167,768 | 2,658 | 531,383 | PDF p. 212 |
| Intangible assets$ millions | 1,997 | 2,216 | 656 | 84 | 4,953 | 2,014 | 2,221 | 657 | 87 | 4,979 | PDF p. 212 |
| Investment in associates and joint ventures$ millions | − | 168 | − | 1,084 | 1,252 | # | 182 | − | 1,120 | 1,302 | PDF p. 212 |
| Total assets$ millions | 120,419 | 260,329 | 185,183 | 6,130 | 572,061 | 116,485 | 248,889 | 168,425 | 3,865 | 537,664 | PDF p. 212 |
| Total liabilities$ millions | 211,746 | 222,045 | 63,526 | 23,251 | 520,568 | 202,346 | 208,231 | 59,762 | 17,368 | 487,707 | PDF p. 212 |
| Other information | |||||||||||
| Gross customer loans$ millions | 118,055 | 233,510 | 614 | 1 | 352,180 | 114,060 | 222,492 | 1,239 | 40 | 337,831 | PDF p. 212 |
| Non-performing assets$ millions | 1,335 | 3,910 | − | 195 | 5,440 | 1,323 | 3,614 | − | 273 | 5,210 | PDF p. 212 |
Notes
Selected balance sheet items; In $ millions. # Amount less than $500,000. (1) Comparative segment information for prior periods has been adjusted for changes in organisational structure, if any.
Comparative 2024 block. In $ millions. # Amount less than $500,000. (1) Comparative segment information for prior periods has been adjusted for changes in organisational structure, if any.
By geography
Geographical segments, The Group 12 lines
| Item / unit | 2025Singapore | 2025Malaysia | 2025Thailand | 2025Indonesia | 2025Other Asia Pacific | 2025Rest of the world | 2025Total | 2024Singapore | 2024Malaysia | 2024Thailand | 2024Indonesia | 2024Other Asia Pacific | 2024Rest of the world | 2024Total | Source |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Geographical segments | |||||||||||||||
| Net interest income$ millions | 5,085 | 1,021 | 1,052 | 456 | 1,147 | 594 | 9,355 | 5,388 | 931 | 1,093 | 473 | 1,136 | 653 | 9,674 | PDF p. 213 |
| Non-interest income$ millions | 2,464 | 635 | 418 | 183 | 606 | 147 | 4,453 | 2,671 | 580 | 385 | 156 | 702 | 126 | 4,620 | PDF p. 213 |
| Operating income$ millions | 7,549 | 1,656 | 1,470 | 639 | 1,753 | 741 | 13,808 | 8,059 | 1,511 | 1,478 | 629 | 1,838 | 779 | 14,294 | PDF p. 213 |
| Operating expenses$ millions | (3,209) | (811) | (907) | (448) | (716) | (66) | (6,157) | (3,268) | (770) | (1,002) | (521) | (676) | (73) | (6,310) | PDF p. 213 |
| Amortisation of intangible assets$ millions | (2) | (4) | (19) | (3) | (3) | − | (31) | − | (4) | (18) | (3) | (3) | − | (28) | PDF p. 213 |
| (Allowance for)/Write-back of credit and other losses$ millions | (277) | 16 | (405) | (15) | (811) | (550) | (2,042) | PDF p. 213 | |||||||
| Share of profit/(loss) of associates and joint ventures$ millions | 91 | − | − | − | (14) | 2 | 79 | 123 | − | − | − | # | (2) | 121 | PDF p. 213 |
| Profit before tax$ millions | 4,152 | 857 | 139 | 173 | 209 | 127 | 5,657 | 5,089 | 706 | 54 | 50 | 844 | 408 | 7,151 | PDF p. 213 |
| Total assets before intangible assets$ millions | 345,466 | 53,200 | 37,411 | 12,857 | 91,219 | 26,955 | 567,108 | 314,970 | 48,083 | 36,412 | 12,822 | 94,075 | 26,323 | 532,685 | PDF p. 213 |
| Intangible assets$ millions | 3,180 | 139 | 1,316 | 297 | 21 | − | 4,953 | 3,182 | 138 | 1,318 | 315 | 26 | − | 4,979 | PDF p. 213 |
| Total assets$ millions | 348,646 | 53,339 | 38,727 | 13,154 | 91,240 | 26,955 | 572,061 | 318,152 | 48,221 | 37,730 | 13,137 | 94,101 | 26,323 | 537,664 | PDF p. 213 |
| Write-back of/(Allowance for) credit and other losses$ millions | 175 | (31) | (404) | (55) | (315) | (296) | (926) | PDF p. 213 | |||||||
Notes
Based on the location where the transactions and assets are booked; information is stated after elimination of inter-segment transactions. In $ millions. # Amount less than $500,000.
Comparative 2024 block. Based on the location where the transactions and assets are booked; after elimination of inter-segment transactions. In $ millions. # Amount less than $500,000.
Debt
Borrowings
Note 21(c) Contractual maturity for lease liabilities
| Item / unit | 2025The Group | 2024The Group | 2025The Bank | 2024The Bank | Source |
|---|---|---|---|---|---|
| Maturity for lease liabilities | |||||
| Within 1 year$ millions | 91 | 97 | 89 | 85 | PDF p. 178 |
| Over 1 to 5 years$ millions | 160 | 163 | 218 | 219 | PDF p. 178 |
| Over 5 years$ millions | 23 | 17 | 10 | 31 | PDF p. 178 |
| Note 21(a) Other liabilities | |||||
| Lease liabilities (Note 21(c)) – in Other Liabilities$ millions | 274 | 277 | 317 | 335 | PDF p. 177 |
Notes
Total of maturity buckets printed as 274 277 317 335 on page 178. Lease liabilities row is from Note 21(a) on page 177.
Note 45(d) Liquidity risk – Debts issued by remaining contractual maturity, undiscounted (The Group
| Item / unit | 2025Up to 7 days | 2025Over 7 days to 1 month | 2025Over 1 to 3 months | 2025Over 3 to 12 months | 2025Over 1 to 3 years | 2025Over 3 years | 2025No specific maturity | 2025Total | 2024Up to 7 days | 2024Over 7 days to 1 month | 2024Over 1 to 3 months | 2024Over 3 to 12 months | 2024Over 1 to 3 years | 2024Over 3 years | 2024No specific maturity | 2024Total | Source |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debts issued$ millions | 1,859 | 3,062 | 10,009 | 13,254 | 14,069 | 4,795 | (790) | 46,258 | 1,128 | 3,725 | 8,952 | 12,416 | 15,587 | 2,267 | (938) | 43,137 | PDF p. 227PDF p. 228 |
Notes
Cash flow analysis by remaining contractual maturities on an undiscounted basis; actual maturity dates may differ.
Cash flow analysis by remaining contractual maturities on an undiscounted basis.
Borrowing notes 2 tables
Note 23(a) Debts issued – Subordinated notes
| Item / unit | 2025The Group | 2024The Group | 2025The Bank | 2024The Bank | Source |
|---|---|---|---|---|---|
| Subordinated notes | |||||
| USD600 million 1.75% notes callable in 2026 (issue/maturity 16 Sep 2020/16 Mar 2031)$ millions | 767 | 782 | 767 | 782 | PDF p. 180 |
| USD750 million 2.00% notes callable in 2026 (issue/maturity 14 Apr 2021/14 Oct 2031)$ millions | 943 | 958 | 943 | 958 | PDF p. 180 |
| CNH650 million 4.50% notes callable in 2027 (issue/maturity 6 Apr 2022/6 Apr 2032)$ millions | 120 | 120 | 120 | 120 | PDF p. 180 |
| USD1 billion 3.863% notes callable in 2027 (issue/maturity 7 Apr 2022/7 Oct 2032)$ millions | 1,260 | 1,292 | 1,260 | 1,292 | PDF p. 180 |
| RM750 million 3.00% notes callable in 2025 (issue/maturity 3 Aug 2020/2 Aug 2030)$ millions | − | 228 | − | − | PDF p. 180 |
| RM1 billion 4.91% notes callable in 2027 (issue/maturity 27 Oct 2022/27 Oct 2032)$ millions | 317 | 304 | − | − | PDF p. 180 |
| RM500 million 4.01% notes callable in 2029 (issue/maturity 8 Feb 2024/8 Feb 2034)$ millions | 158 | 152 | − | − | PDF p. 180 |
| RM750 million 3.85% notes callable in 2032 (issue/maturity 3 Jul 2025/3 Jul 2037)$ millions | 238 | − | − | − | PDF p. 180 |
| THB13.735 billion 4.07% notes callable in 2027 (issue/maturity 7 Jun 2022/7 Jun 2032)$ millions | 565 | 549 | − | − | PDF p. 180 |
| THB5 billion 4.00% notes callable in 2029 (issue/maturity 19 Sep 2022/19 Sep 2034)$ millions | 41 | 40 | − | − | PDF p. 180 |
| THB12 billion 5.10% notes callable in 2028 (issue 23 May 2023/Perpetual)$ millions | 2 | 2 | − | − | PDF p. 180 |
| IDR100 billion 9.85% notes (issue/maturity 5 Jul 2019/5 Jul 2026)$ millions | 7 | 8 | − | − | PDF p. 180 |
| IDR650 billion 9.25% notes (issue/maturity 13 Nov 2019/13 Nov 2026)$ millions | 50 | 55 | − | − | PDF p. 180 |
| IDR100 billion 8.00% notes (issue/maturity 8 Mar 2022/8 Mar 2029)$ millions | 7 | 8 | − | − | PDF p. 180 |
| IDR100 billion 7.50% notes (issue/maturity 26 Jun 2024/26 Jun 2031)$ millions | 8 | 8 | − | − | PDF p. 180 |
| Total subordinated notes$ millions | 4,483 | 4,506 | 3,090 | 3,152 | PDF p. 180 |
Notes
Subordinated notes are redeemable at par at the option of the issuers, in whole but not in part, or at the occurrence of a tax event or change of qualification event, subject to the prior approval of the relevant regulators and other redemption conditions. As a Basel III capital instrument, the subordinated notes can be written off in whole or in part if the issuer was determined by the regulators to be non-viable.
Notes (i)-(iv) issued by the Bank; (v)-(viii) by United Overseas Bank (Malaysia) Bhd; (ix)-(xi) by United Overseas Bank (Thai) Public Company Limited; (xii)-(xv) by PT Bank UOB Indonesia. USD600m 1.75% notes reset from 16 March 2026 to five-year US Treasury Rate plus 1.52%; USD750m 2.00% reset from 14 October 2026 at UST plus 1.23%; USD1bn 3.863% reset from 7 October 2027 at UST plus 1.455%. RM750m 3.00% notes redeemed on 1 August 2025.
Of which, fair value hedge gain: Subordinated notes (45) (155) (51) (158).
Note 23(a) Debts issued – Other debts and total
| Item / unit | 2025The Group | 2024The Group | 2025The Bank | 2024The Bank | Source |
|---|---|---|---|---|---|
| Other debts | |||||
| Commercial papers$ millions | 17,906 | 16,401 | 17,906 | 16,401 | PDF p. 181 |
| Covered bonds$ millions | 7,842 | 7,846 | 7,842 | 7,846 | PDF p. 181 |
| Equity-linked notes$ millions | 863 | 478 | 863 | 478 | PDF p. 181 |
| Fixed rate notes$ millions | 4,726 | 4,897 | 4,464 | 4,234 | PDF p. 181 |
| Floating rate notes$ millions | 6,829 | 4,619 | 6,829 | 4,619 | PDF p. 181 |
| Interest rate-linked notes$ millions | 908 | 872 | 908 | 872 | PDF p. 181 |
| Others$ millions | 866 | 1,748 | 799 | 1,714 | PDF p. 181 |
| Total other debts$ millions | 39,940 | 36,861 | 39,611 | 36,164 | PDF p. 181 |
| Total | |||||
| Total debts issued$ millions | 44,423 | 41,367 | 42,701 | 39,316 | PDF p. 181 |
| Of which, fair value hedge gain | |||||
| Subordinated notes (of which, fair value hedge gain)$ millions | (45) | (155) | (51) | (158) | PDF p. 181 |
| Other debts (of which, fair value hedge gain)$ millions | (159) | (272) | (159) | (272) | PDF p. 181 |
Notes
Commercial papers issued by the Bank between 5 June 2025 and 29 December 2025, maturing between 6 January 2026 and 23 June 2026. Equity-linked notes mature 6 January 2026 to 16 November 2027. Fixed rate notes mature 16 March 2026 to 2 April 2028; floating rate notes 16 March 2026 to 2 April 2030; interest rate-linked notes 9 March 2030 to 16 September 2052. Covered bonds: six outstanding (EUR/GBP, fixed 0.01%-2.718%, floating SONIA plus 0.52%-1.00%), maturities 21 Sep 2026 to 1 Dec 2030.
Payout
Dividends & distributions
Dividends declared and proposed
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Interim dividend of 85 cents (2024: 88 cents) tax-exempt per share paid in respect of the financial year | 85 cents per share | FY2025 interim ordinary dividend | PDF p. 165 |
| Interim dividend of 85 cents (2024: 88 cents) tax-exempt per share paid in respect of the financial year | 88 cents per share | FY2024 interim ordinary dividend (comparative) | PDF p. 165 |
| final tax-exempt dividend | 71 cents per share | FY2025 final ordinary dividend, proposed | PDF p. 165 |
| Final dividend of 92 cents (2024: 85 cents) and special dividend of 50 cents (2024: nil) tax-exempt per share paid in respect of prior financial year | 92 cents per share | FY2024 final ordinary dividend (comparative), paid in 2025 | PDF p. 165 |
| special dividend of 50 cents | 50 cents per share | Special dividend, 90th anniversary capital distribution; paid in two tranches during 2025 | PDF p. 44 |
| Full-year dividend | $1.56 per share | FY2025 total ordinary dividend (excluding special) | PDF p. 44 |
| Net dividend (cents) c | 156 cents | Group five-year summary; 2025 (2024: 180) | PDF p. 45 |
Payout
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Full-year dividend payout ratio | approximately 50% | FY2025 (FY24 dividend $1.80) | PDF p. 44 |
Extracted from UOB Annual Report 2025 and checked against the cited pages; see the original report for full context.
REIT, bank & sector ratios
Key metrics
Bank metrics
| Item | Value | Period / scope | Source |
|---|---|---|---|
| CET1 | 15.1% | Group, as at 31 December 2025; comparative 31 December 2024: 15.5 · As at 2025-12-31 | PDF p. 125 |
| Tier 1 | 16.1% | Group, as at 31 December 2025; comparative 31 December 2024: 16.6 · As at 2025-12-31 | PDF p. 125 |
| Total | 17.7% | Group, as at 31 December 2025; comparative 31 December 2024: 18.2 · As at 2025-12-31 | PDF p. 125 |
| Leverage Ratio (%) | 6.7% | Group, as at 31 December 2025; comparative 31 December 2024: 6.9 · As at 2025-12-31 | PDF p. 125 |
| Non-performing loan ratio | 1.5% | Group, FY2025; comparative FY2024: 1.5 | PDF p. 45 |
| Net interest margin narrowed 14 basis points to 1.89% | 1.89% | Group, FY2025; comparative FY2024: 2.03% | PDF p. 36 |
| liquidity coverage ratio (LCR) | 143% | Group, average all-currency LCR, FY2025; comparative 2024: 148% (chart) | PDF p. 40 |
| net stable funding ratio (NSFR) | 116% | Group, FY2025; comparative 2024: 116% (unchanged) | PDF p. 40 |
| Total credit costs on loans | 55 basis points | Group, FY2025; change +28 bps vs FY2024 | PDF p. 37 |
Extracted from UOB Annual Report 2025 and checked against the cited pages; see the original report for full context.
Auditor’s report
Audit & risk signals
Audit opinion
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Audit firm | ERNST & YOUNG LLP | Group and Bank, FY2025 | PDF p. 136 |
| Engagement partner | Christine Lee Siew Ling | Group and Bank, FY2025 | PDF p. 136 |
| Opinion | so as to give a true and fair view | Group and Bank, FY2025 | PDF p. 131 |
| Auditor's report date | 23 February 2026 | Group and Bank · As at 2026-02-23 | PDF p. 136 |
Key audit matters
| Item | Value | Period / scope | Source |
|---|---|---|---|
| Expected credit losses | Expected credit losses | Group, FY2025 | PDF p. 132 |
| Expected credit losses - description | The ECL calculation for non-impaired credit | Group, FY2025 | PDF p. 132 |
| Valuation of illiquid or complex financial | Valuation of illiquid or complex financial instruments | Group, FY2025 | PDF p. 134 |
| Valuation of illiquid or complex financial instruments - description | The Level 3 instruments mainly comprised | Group, FY2025 | PDF p. 134 |
Extracted from UOB Annual Report 2025 and checked against the cited pages; see the original report for full context.
How to read these figures
Group and parent company or bank figures are labelled separately. Parentheses indicate negative amounts; a dash and NA retain the report’s notation.
Comparative figures follow UOB Annual Report 2025, including retrospective adjustments. Adjusted and reported earnings may have different definitions; refer to each statement’s notes.
These tables show the available extracted figures. The original annual report contains the full statements, notes and definitions.