Balancing Growth with Stability for the Long Term / Sustainability Highlights

Sustainability Highlights

2025 snapshot

Drive Growth Sustainably

3-39% below reference pathways

across our emissions intensity metrics as we progress in our net zero commitment

$70.1 billion

extended in
sustainable financing

$7.8 billion

extended in loans to help SMEs accelerate sustainable business practices

Named

Best Bank for Sustainable Finance

in Singapore and Southeast Asia

Keep Customers at the Centre

>87,600

customer compliments received across the region

Singapore Data Protection Trustmark

certification maintained

>320

branch colleagues in Singapore trained on preventing familial financial abuse

>1,500

SMEs engaged across ASEAN through the Sustainability Innovation Programme, since launch to date

Develop Professionals of Principle

38%

of senior management are women

95%

of employees hired from local communities

~90%

of employees Group-wide upskilled in GenAI

35%

of employees Group-wide completed The UOB Way workshop

Uphold Corporate Responsibility

70%

of Board members are independent

$15.6 million

prevented in fraud losses for customers in Singapore

Carbon neutrality

maintained for operational footprint

$32.1 million

in monetary and
in-kind contributions to the community

As an early adopter of the Taskforce for Nature-Related Financial Disclosures, UOB is aligned with the Kunming-Montreal Global Biodiversity Framework’s vision of halting and reversing biodiversity loss by 2030 and living in harmony with nature by 2050. We are committed to:

strengthening internal capacity in understanding and managing material nature-related risks;
supporting customers in making decisions that are similarly aligned;
financing nature-related technologies and investments; and
advocating for nature’s importance across sectors and ecosystems.

Following a double materiality assessment in 2024 to identify nature risks material to our corporate loan portfolio, we continued to integrate nature considerations into our sustainability strategy. Our sustainable finance frameworks include nature-related aspects, though these have been classified as green financing rather than nature financing. We will continue to monitor the demand for nature-related financing in our portfolio.

Sub-sectors with high impacts or dependencies in our portfolio¹

In 2025, we focused on engaging with clients in sub-sectors of high impacts and dependencies to understand how our financing can support industry leaders in their nature-related efforts. We continued to work closely with industry bodies, knowledge platforms and ecosystem partners to advance nature-related capabilities across the financial services industry. During the year, we actively contributed to two industry white papers focused on nature-related financing and scenario analysis.

For more information on UOB’s sustainability strategy and initiatives, please refer to the UOB Sustainability Report 2025.

These five sub-sectors were identified from an assessment that examined both the impacts of economic activities we finance on natural capital and the dependencies of those activities on ecosystem services.

Balancing Growth with Stability for the Long Term

Chairman's Statement

Deputy Chairman and CEO’s Report

Financial Highlights

Investor Highlights

Sustainability Highlights