United Overseas Bank Limited · SGX:U11
United Overseas Bank — FY2025 Earnings Presentation
6 slides from United Overseas Bank's earnings presentation, February 2026
Slide 1: Resilient earnings with stable franchise growth across ASEAN
Resilient earnings with stable franchise growth across ASEAN CEO remarks Wee Ee Cheong, Deputy Chairman and Chief Executive Officer For the financial year/fourth quarter ended 31 December 2025 Private and Confidential
Slide 2: Earnings resilience supported by diversified engines
Earnings resilience supported by diversified engines Stable operating profit Resilient core income drivers Strong balance sheet FY25 operating profit FY25 net interest 4Q25 net interest Common Equity Tier 1 S$7.7 billion income income 15.1% -4% YoY S$9.4 billion S$2.3 billion -3% YoY +4% QoQ Liquidi
Slide 3: Steady growth backed by wholesale banking and markets capabilities and connectivity
Steady growth backed by wholesale banking and markets capabilities and connectivity Trade loans growth Wholesale banking +26% YoY CASA +15% YoY Wholesale banking Wholesale banking loans growth customer treasury income +5% YoY +7% YoY 3
Slide 4: Strong retail and wealth momentum boosted by franchise expansion
Strong retail and wealth momentum boosted by franchise expansion Wealth income Retail banking Card billings +14% YoY CASA +8% YoY +12% YoY High-net-worth AUM Invested AUM $201 billion 4Q25: 42% +6% YoY (4Q24: 39%) 4
Slide 5: Confident of delivering long-term value
Confident of delivering long-term value 2026 outlook • Low single-digit loan growth • Full-year NIM of 1.75% - 1.80% • High single-digit fee growth • Low single-digit operating cost growth • Total credit costs at 25-30 basis points 5
Slide 6: Right By You
@ Right By You