United Overseas Bank Limited

United Overseas Bank Limited

UOVEF
United Overseas Bank LimitedUS flagOther OTC
33.29
USD
- -
- -
54.94BMarket Cap
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
4.99
5.19
5.47
6.02
5.5
5.85
6.92
8.32
8.55
8.3
5.86
Basic EPS, GAAP
1.84
2.02
1.98
1.91
2.05
2.41
2.6
1.75
2.43
2.73
3.41
3.61
2.82
2.21
Free Cash Flow per Basic Share
-7.57
4.31
-0.02
-8.47
2.16
-2.54
4.65
5.43
-2.2
5.62
5.91
-9.39
0.03
2.72
Dividend per Share
0.77
0.44
0.93
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
9.8
11.32
12.11
13.49
14.95
16.18
17.17
17.61
18.98
20.48
22.19
24.02
24.27
18.45
Tangible Book Value per Share
13.71
15.58
16.19
17.87
19.93
20.22
21.42
22.15
23.12
23.12
24.78
26.89
27.99
21.67
Basic Weighted Avg Shares
1,575
1,591
1,602
1,617
1,651
1,665
1,667
1,670
1,674
1,674
1,674
1,673
1,663
1,668
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
325
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 (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
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

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
1,668
- -
1,669
Market Capitalization
41,696
31,833
34,423

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
- -
- -
- -
- -
3.41
2024
- -
- -
- -
- -
3.61
2025
- -
- -
- -
- -
2.82

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.6
2024
- -
- -
- -
- -
1.73
2025
- -
- -
- -
- -
2.27

Company Description

APIChatGPT
CEO
Ee Cheong Wee
Full Time Employees
31,222
Sector
Financial Services
Industry
Banks - Regional
Address
UOB Plaza Singapore SE Singapore 048624
IPO Date
Mar 6, 1996
Business
United Overseas Bank Limited (UOB) is a leading Singaporean multinational banking and financial services group headquartered in Singapore and founded in 1935 as United Chinese Bank. The bank operates through three core business segments—Group Retail, Group Wholesale Banking, and Global Markets—offering a comprehensive suite of products and services including personal financial services such as deposits, loans, credit cards, home loans, and wealth management; private banking; commercial and corporate banking; transaction banking; investment banking; corporate finance; capital market activities; treasury services; brokerage and clearing services; as well as asset management, venture capital management, and insurance through subsidiaries. UOB maintains an extensive global network of more than 500 branches and offices across 19 countries and territories, primarily in Asia Pacific (including Singapore, China, Indonesia, Malaysia, Thailand, Vietnam, and the Philippines), with additional presence in Western Europe, North America, and other regions, serving retail, corporate, institutional, and high-net-worth clients. Recent major developments include the 2022 acquisition of Citigroup's consumer banking businesses in Indonesia, Malaysia, Thailand, and Vietnam for approximately S$5 billion, enhancing its regional retail footprint; in 2025, UOB announced plans to increase the charter capital of its Vietnamese subsidiary to 10 trillion VND (about $385 million) and build a new headquarters, UOB Vietnam Plaza; strategic partnerships such as a memorandum of understanding with Hengfeng Bank and Shangao Holdings Group to deepen China-ASEAN connectivity, a sustainability-linked loan facility with ABC Impact and DBS, and collaborations with SMRT's Stellar Lifestyle for retailer cash flow solutions; alongside product innovations like cross-border card rewards redemption between Singapore and Malaysia. Subsidiaries include Far Eastern Bank Limited, UOB Asset Management Ltd, and United Overseas Insurance Limited, while associates encompass UOB Kay Hian Private Limited.

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