2003 - net net profit of SGD / m ( $ 562 ) , up 0.3 % annually , offset by higher profit margins and trading and earning profits , but offset by an increase in provisions for bad loans .
UOB - 4Q15 net profit of SGD 788m ($562), up 0.3% YoY, boosted by higher interest margins and trading and investment income, but offset by an increase in provisions for bad loans.