OCBC Group has announced a net profit of S$7.42b for the full year 2025, marking a 2% decrease from the previous year. The profit before tax, however, rose by 2% to a record S$9.12b, attributed to robust growth in non-interest income and well-managed expenses. The bank’s non-interest income surged by 16%, with significant contributions from fees, trading, and insurance income, whilst net interest income declined by 6% due to a challenging interest rate environment.
The bank’s asset quality remained resilient, with credit costs reduced to 17 basis points. OCBC’s capital position was strong, with a Common Equity Tier 1 Capital Adequacy Ratio (CET1 CAR) of 15.1%. The bank proposed a final dividend of 42 pence and a special dividend of 16 pence, reinforcing its commitment to completing its capital return plan by the end of 2026.
Looking ahead, OCBC aims to maintain its strong financial position and continue delivering value to its shareholders through strategic growth and disciplined cost management. The bank’s focus on diversifying its income sources and maintaining asset quality will be crucial in navigating the evolving financial landscape.
