UOB Malaysia recorded its highest ever profit before tax (PBT) of RM2.5 billion for the financial year ended 2025, supported by stronger operating performance and increasingly controlled credit risk.
Total operating income also increased to RM4.9 billion, driven by a 9.5% growth in operating profit and a significant decline in expected credit losses following the restatement of impaired assets.
Year-on-year, PBT jumped 15.6% from RM2.2 billion in 2024, while operating income rose 4.5% from RM4.7 billion.
This performance was supported by an increase in net interest income from balance sheet optimisation, growth in non-interest income and higher contribution from the Islamic banking business.
In terms of operational efficiency, the cost-to-income ratio increased by more than two percentage points, reflecting continued efforts in disciplined cost management. At the same time, the total allowance for expected credit losses decreased by almost 70%, indicating improved asset quality.
On the financing side, gross loans grew 2.8% to RM112.6 billion compared to RM109.5 billion in the previous year, supported by steady growth in the wholesale and retail segments.
Meanwhile, non-bank deposits increased 5.8% to RM121.3 billion, reflecting customers’ continued strong confidence in the financial institution.
UOB Malaysia’s financial performance for 2025 shows sustained growth momentum, in line with an increasingly stable economic environment and more effective risk management strategies.
