UOB 3Q25 earnings highlights

UOB Group announced its earnings for the third quarter of 2025. Key highlights include:  Net profit of S$443 million in 3Q 2025, down 72% year-on-yearNet profit of S$3.27 billion in 9M 2025, down 28% year-on-yearAllowance for credit and other losses increased by S$1.08 billion as UOB proactively set aside additional general allowance to strengthen its provision coverage.  Source: UOB

What you need to know about UOB 3Q25 results

UOB Group has reported net profit of S$443 million for 3Q25.  This represents a 72% decrease compared to the previous year. 

#1 - Further decline in net interest margin

Net interest income fell 8% year-on-year to S$2.3 billion as net interest margin narrowed amid falling benchmark rates.  3-month SORA rate declined by 60 basis points in 3Q25.   Net interest margin narrowed from 1.91% in 2Q25 to 1.82% in 3Q25. Source: UOB

#2 - Fee

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