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    Banks - Regional
United Overseas Bank Limited

United Overseas Bank Limited

U11.SI
United Overseas Bank LimitedSG flagStock Exchange of Singapore
38.55
SGD
+0.24
- -
63.59BMarket Cap
United Overseas Bank Limited
U11.SI
(Stock Exchange of Singapore)

Recent

price

38.55

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.81
3.65
4.11
4.26
4.67
5.01
4.99
5.19
5.47
6.02
5.5
5.85
6.92
8.15
8.55
8.3
5.86
Revenue per Share
1.7
1.43
1.72
1.84
2.02
1.98
1.91
2.05
2.41
2.6
1.75
2.43
2.73
3.34
3.61
2.82
2.21
Basic EPS, GAAP
6.76
-6.25
3.89
-7.57
4.31
-0.02
-8.47
2.16
-2.54
4.65
5.43
-2.2
5.62
5.79
-9.39
0.03
2.72
Free Cash Flow per Basic Share
0.26
0.41
0.67
0.77
0.44
0.93
0.58
0.4
0.99
1.25
1.1
0.96
1.2
1.57
1.73
2.27
1.3
Dividend per Share
8.12
7.64
8.67
9.8
11.32
12.11
13.49
14.95
16.18
17.17
17.61
18.98
20.48
21.73
24.02
24.27
18.45
Book Value per Share
11.45
10.76
12.04
13.71
15.58
16.19
17.87
19.93
20.22
21.42
22.15
23.12
23.12
24.26
26.89
27.99
21.67
Tangible Book Value per Share
1,523
1,561
1,574
1,575
1,591
1,602
1,617
1,651
1,665
1,667
1,670
1,674
1,674
1,710
1,673
1,663
1,668
Basic Weighted Avg Shares
5,800
5,695
6,475
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
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
137
116
121
130
163
182
222
258
273
399
454
489
537
621
675
779
325
Depreciation Expense
2,696
2,327
2,803
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
Net Income, GAAP
15
16.64
15.83
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
Effective Tax Rate (%)
46.48
40.86
43.29
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
6,263
13,516
14,372
20,017
21,904
20,723
26,665
25,881
31,243
26,021
30,590
35,211
41,635
37,444
42,032
45,263
24,718
LT Debt
21,654
23,144
25,272
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
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
22.77
18.31
21.12
19.98
19.21
16.94
14.98
14.59
15.53
15.63
10.04
13.32
13.85
15.99
15.63
11.63
12.16
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'19
Mar'20
Jun'20
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
- -
- -
Market Capitalization
44,042
32,443
33,751

Working Capital

FRC

•

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

FRC

•

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%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
13,935
2024
- -
- -
- -
- -
14,303
2025
- -
- -
- -
- -
13,807

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
3.34
2024
- -
- -
- -
- -
3.61
2025
- -
- -
- -
- -
2.82

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.57
2024
- -
- -
- -
- -
1.73
2025
- -
- -
- -
- -
2.27
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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.