UOB Annual Report 2025
Building the Future of ASEAN
The cover for this year’s Annual Report features an image from “UNITY”, a six-minute projection mapping show on UOB Plaza 1 in Singapore. To mark UOB’s 90th anniversary and Singapore’s 60th National Day in August, a series of projections were developed and created by local talents to celebrate Singapore’s journey, UOB’s legacy and the spirit of innovation and resilience that binds us. The projections also spotlight works by talented Singapore artists – winners of Southeast Asia's longest running art competition, the UOB Painting of the Year.
Learn more
About UOB
UOB is a leading Asian bank with a global network in Southeast Asia, Asia Pacific, Europe and North America. Operating through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, we have a global network of close to 430 branches and offices in 19 markets.
Since our incorporation in 1935, we have grown organically and through a series of strategic acquisitions. Today, we are rated among the world’s top banks: Aa1 by Moody’s Investors Service and AA- by both S&P Global Ratings and Fitch Ratings.
For more than nine decades, we have adopted a customer-centric approach to create long-term value by staying relevant through our enterprising spirit and doing right by our customers. We are focused on building the future of ASEAN – for the people and businesses within, and connecting with, ASEAN.
For more than nine decades, we have adopted a customer-centric approach to create long-term value by staying relevant through our enterprising spirit and doing right by our customers. We are focused on building the future of ASEAN – for the people and businesses within, and connecting with, ASEAN.
Learn more
Deputy Chairman and CEO’s Report
UOB is in a sweet spot to capture ASEAN's next stage of growth. Our network spans the region’s most dynamic markets, and we continue to invest in people, capabilities and technology. Our strong capital and liquidity positions provide the resilience as we pursue growth with discipline.
Learn more
Wee Ee Cheong
Deputy Chairman and Chief Executive Officer
Our Purpose and Strategic Priorities
Building the future of ASEAN — for the people and businesses within, and connecting with, ASEAN.
Guided by our values and supported by our core strengths, we focus on supporting our customers as we drive performance across our franchise.
Our approach to supporting our customers is based on a long-term mindset to stay prudent and disciplined in balancing growth with responsibility.
Guided by our values and supported by our core strengths, we focus on supporting our customers as we drive performance across our franchise.
Our approach to supporting our customers is based on a long-term mindset to stay prudent and disciplined in balancing growth with responsibility.
Our Strategic Focus
Help our customers to achieve their personal financial goals through a customer-centric proposition around banking, wealth
and lifestyle.
and lifestyle.
Help our clients to grow by capturing business opportunities and expand within ASEAN and Greater China and with the rest of the world, through our sector specialisation, ecosystem partnerships and integrated trade and financial supply chain management platform.
Help our customers grow sustainably and integrate sustainability into our business and operations to drive responsible growth for positive and meaningful impact to the economy, society and environment.
Empower our colleagues by building an inclusive organisation and providing them with professional development opportunities to stay resilient and better prepared for the future.
Our Core Strengths
Strong capital and funding base
Established and integrated network, with deep Southeast Asian roots and coverage
Diverse pool of talent and expertise whom we nurture to grow and develop in their careers
Robust governance and risk management
Our Values
Honourable
Enterprising
United
Committed
Our Purpose and Strategic Priorities
Building the future of ASEAN — for the people and businesses within, and connecting with, ASEAN.
Guided by our values and supported by our core strengths, we focus on supporting our customers as we drive performance across our franchise.
Our approach to supporting our customers is based on a long-term mindset to stay prudent and disciplined in balancing growth with responsibility.
Guided by our values and supported by our core strengths, we focus on supporting our customers as we drive performance across our franchise.
Our approach to supporting our customers is based on a long-term mindset to stay prudent and disciplined in balancing growth with responsibility.
Our Strategic Focus
Help our customers to achieve their personal financial goals through a customer-centric proposition around banking, wealth
and lifestyle.
and lifestyle.
Help our clients to grow by capturing business opportunities and expand within ASEAN and Greater China and with the rest of the world, through our sector specialisation, ecosystem partnerships and integrated trade and financial supply chain management platform.
Help our customers grow sustainably and integrate sustainability into our business and operations to drive responsible growth for positive and meaningful impact to the economy, society and environment.
Empower our colleagues by building an inclusive organisation and providing them with professional development opportunities to stay resilient and better prepared for the future.
Our Core Strengths
Strong capital and funding base
Established and integrated network, with deep Southeast Asian roots and coverage
Diverse pool of talent and expertise whom we nurture to grow and develop in their careers
Robust governance and risk management
Our Values
Honourable
Enterprising
United
Committed
Building the Future of ASEAN
For the people and businesses within, and connecting with, ASEAN.
Our Purpose statement above underscores UOB’s brand promise to do right by our stakeholders, including customers, colleagues and communities. It reflects our long-term strategy, signalling the Bank’s intent to intensify investment in the region to help realise the potential of the people and businesses in ASEAN. It also reinforces UOB’s commitment to facilitating economic flows within and with ASEAN to support businesses across generations.
Our Highlights for the Year
2025 UOB Financial Highlights
Operating Profit
$7.7
billion
-4%
Net Fee Income
$2.6
billion
+7%
Gross Customer Loans
$352
billion
+4%
Customer Deposits
$426
billion
+5%
Total Assets
$572
billion
+6%
Non-performing Loan Ratio
1.5
%
unchanged
Net Stable Funding Ratio
116
%
unchanged
Common Equity Tier 1 Ratio
15.1
%
-0.4% pt
2025 Corporate Milestones
Celebrated UOB Group’s 90th anniversary
Celebrated UOB Hong Kong’s 60th anniversary
Completed integration of Citigroup’s consumer banking businesses in Malaysia, Thailand, Indonesia and Vietnam
Award Highlights
We were honoured to be named ASEAN’s Best Bank for Consumers at the Euromoney Awards for Excellence 2025, a testament to our collective dedication to serving 8.5 million customers across the region.
ASEAN Business Advisory Council (ASEAN-BAC)
-
ASEAN Business Awards Grand Winner
(Financial Services)
Euromoney
-
ASEAN’s Best Bank for Consumers
-
Asia’s Best for Discretionary Portfolio
-
Indonesia’s Best Digital Bank for Consumers
-
Malaysia’s Best Bank for Consumers
-
Singapore’s Best Transaction Bank
-
Singapore’s Best Investment Bank for
Debt Capital Markets -
Thailand's Best International Bank
Global Finance
-
Best Bank in Asia-Pacific
-
Best Bank in Malaysia
-
Best Bank for Sustainable Finance in Singapore
National Arts Council
-
Distinguished Patron of the Arts Award
Securities Investors Association Singapore
-
Shareholder Communications Excellence Award
(Big Cap Category)
The Asian Banker
-
Best Asian Global Transaction Bank in Asia Pacific
-
Best Asian Global Cash Management Bank in Asia Pacific
-
Best Asian Global Trade and Supply Chain Finance Bank in Asia Pacific
-
Best Transaction Bank in Singapore
-
Best Trade and Supply Chain Finance Bank in Singapore
-
Best Retail Bank in Singapore
The Digital Banker
-
CEO of the Year – Asia Pacific:
Wee Ee Cheong -
Best SME Bank – Global
-
Best SME Bank – Singapore
-
Best Retail Bank – South-East Asia
Where We Operate
~430
branches and offices in Southeast Asia, Asia Pacific, Europe and North America.
Asia
Brunei
2
Hong Kong
2
India
2
Indonesia
91
Japan
2
Mainland China
17
Malaysia
58
Myanmar
2
Philippines
1
Singapore
52
South Korea
1
Taiwan
1
Thailand
180
Vietnam
7
Australia
1
Canada
3
France
1
United Kingdom
1
USA
2
Celebrating 90 Years Together
2025 marked a special year as we celebrated 90 years of growth alongside Singapore's 60th year of independence. From a single branch at Bonham Building to a regional bank with one of the most extensive footprints in Southeast Asia today, this milestone provided a meaningful platform for us to celebrate our achievements and give back to our communities across our key markets in ASEAN and Greater China.
Our 90th anniversary (UOB90) celebrations were centred around:
Honouring the past – recognising the generations who built our foundation and the communities who have journeyed with us
Celebrating the present – creating meaningful moments that brought our communities together and spotlighting inspiring stories of progress across ASEAN
Building the future – looking beyond our 90 years by investing in the education of children and students across Southeast Asia
Our visibility and storytelling efforts aimed to inspire colleagues, customers and communities to join us in celebrating a more progressive and inclusive tomorrow. As we look ahead, we remain steadfast in our commitment to doing right by our communities.
Learn more
Balancing Growth with Stability for the Long Term
Financial Highlights
Net Profit After Tax and
Return on Equity
Net Interest Income
and Margin
Gross Fee and
Commission Income
Trading and Investment
Income
Operating
Expenses
Total Allowance
on Loans
Net Profit After Tax and
Return on Equity
Net Interest Income
and Margin
Gross Fee and
Commission Income
Trading and Investment
Income
Operating
Expenses1
Total Allowance
on Loans
Net Profit After Tax and
Return on Equity
Net Interest Income
and Margin
Gross Fee and
Commission Income
Trading and Investment
Income
Operating
Expenses1
Total Allowance
on Loans
