United Overseas Bank Limited

United Overseas Bank Limited

28.13
EUR
+0.04
(+0.14%)
1.41EPS
9.16P/E
21.56BMarket Cap
Feb 25Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.26
4.67
5.01
4.98
5.18
5.47
6.01
5.49
5.84
6.91
8.31
8.54
8.29
5.85
Basic EPS, GAAP
1.84
2.02
1.98
1.91
2.05
2.4
2.6
1.74
2.43
2.73
3.41
3.61
2.81
2.2
Free Cash Flow per Basic Share
-7.56
4.3
-0.02
-8.46
2.15
-2.53
4.65
5.42
-2.2
5.61
5.9
-9.38
0.03
- -
Dividend per Share
0.76
0.44
0.92
0.58
0.4
0.99
1.25
1.1
0.96
1.2
1.6
1.73
2.27
1.3
Book Value per Share
16.19
17.91
18.66
20.08
22.14
22.56
23.73
24.42
25.47
25.87
27.61
29.72
30.98
23.98
Tangible Book Value per Share
13.57
15.33
16.08
17.54
19.65
20.08
21.25
21.95
22.99
22.94
24.63
26.74
27.99
21.5
Basic Weighted Avg Shares
1,577
1,593
1,604
1,618
1,652
1,667
1,669
1,672
1,676
1,676
1,676
1,675
1,665
1,670
Sales/Revenue/Turnover
6,713
7,436
8,033
8,060
8,564
9,111
10,030
9,179
9,790
11,577
13,935
14,303
13,807
9,773
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
130
163
182
222
258
273
399
454
489
537
621
675
779
- -
Net Income, GAAP
3,008
3,249
3,209
3,096
3,390
4,008
4,343
2,915
4,075
4,573
5,711
6,045
4,682
3,682
Effective Tax Rate (%)
15.6
14.66
16.77
17.71
19.02
16.69
15.69
17.14
17.22
20.78
16.58
15.27
17.01
16.23
Profit Margin (%)
44.81
43.69
39.95
38.42
39.59
43.99
43.3
31.76
41.62
39.5
40.98
42.26
33.91
37.68
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
20,017
21,904
20,723
26,665
25,881
31,243
26,021
30,590
35,211
41,635
37,444
42,309
45,263
24,718
Total Equity
26,577
29,772
30,924
33,042
37,037
37,813
39,864
41,131
42,861
43,606
46,468
49,957
51,493
40,306
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.94
6.58
6.19
5.54
5.5
6.05
6.41
4.21
5.42
5.59
6.74
6.85
4.94
5.38
Return on Common Equity (%)
11.98
11.83
10.8
9.83
9.73
10.76
11.24
7.24
9.76
10.64
12.75
12.6
9.27
9.31

Capital Structure

SGD

•

in mil. unless spec.
Dec'19
Mar'20
Jun'20
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,670
1,669
1,671
Market Capitalization
43,637
32,169
33,751

Working Capital

SGD

•

in mil. unless spec.
Dec'19
Mar'20
Jun'20
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
73,020
- -
75,991
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SGD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.27%
4.62%
3.07%
Free Cash Flow
4,278.65%
-169.9%
-100.29%
Net Income, GAAP
5.99%
12.04%
-22.55%
Sales/Revenue/Turnover
5.9%
8.89%
-3.47%
Total Cash Common Dividend
18.29%
16.9%
30.56%

Semi-annual Revenue

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
14,303
2025
- -
- -
13,807
2026
- -
- -
- -

Semi-annual Earnings Per Share

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
3.61
2025
- -
- -
2.81
2026
- -
- -
- -

Semi-annual Dividends Per Share

SGD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
1.73
2025
- -
- -
2.27
2026
- -
- -
- -

Company Description

CEO
Ee Cheong Wee
Full Time Employees
31,222
Sector
Finance
Industry
Major banks
Address
UOB Plaza Singapore SE Singapore 048624
IPO Date
Jul 20, 1970
Business
United Overseas Bank Limited (UOB) operates as a leading Singaporean regional bank offering a comprehensive range of financial services through its three core segments of Group Retail, Group Wholesale Banking and Global Markets; these include personal financial services such as deposits, loans, credit cards, wealth management and investments; private banking; business and commercial banking; corporate and institutional banking; transaction banking; investment banking and corporate finance; capital markets activities; treasury services; brokerage and clearing; as well as asset management, venture capital and insurance services through subsidiaries like UOB Asset Management and United Overseas Insurance. The bank, founded in 1935 as United Chinese Bank and renamed UOB in 1965, maintains its headquarters at UOB Plaza in Raffles Place, Singapore, and serves retail, corporate, institutional and high-net-worth clients across Asia Pacific, with a primary focus on Southeast Asia including subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, alongside branches and offices in 19 countries and territories spanning North America, Western Europe, Australia, Japan, India, South Korea, the Philippines, Myanmar, Brunei, Hong Kong and Canada. UOB supports over 500 branches and offices globally, rated Aa1 by Moody's and AA- by S&P and Fitch. In recent developments, UOB completed its acquisition of Citigroup's consumer banking businesses in Indonesia, Malaysia, Thailand and Vietnam by end-2023, significantly expanding its retail footprint and boosting unsecured lending and card fees; in 2025, it announced plans to increase charter capital for UOB Vietnam to $385 million including a $77 million injection and construction of UOB Vietnam Plaza headquarters; formed strategic partnerships such as with SMRT's Stellar Lifestyle for retailer cash flow solutions, ABC Impact and DBS on a sustainability-linked loan, Hengfeng Bank and Shangao Holdings for China-ASEAN connectivity, Central Singapore CDC for financial fitness initiatives and The MICHELIN Guide for consumer rewards; clinched top mandates in Singapore loans, M&A advisory and Thailand's largest event-driven financing; launched cross-border card rewards between Singapore and Malaysia; and reported 3% operating profit growth to S$4.0 billion in first-half 2025 amid stronger trade loans and client engagement.

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