United Overseas Bank Limited

United Overseas Bank Limited

UOVEY
United Overseas Bank LimitedUS flagOther OTC
60.13
USD
+1.08
- -
49.69BMarket 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
8.52
9.35
10.03
9.97
10.38
10.94
12.03
10.99
11.69
13.83
16.65
17.1
16.61
11.72
Basic EPS, GAAP
3.69
4.04
3.96
3.82
4.11
4.81
5.21
3.49
4.87
5.46
6.82
7.23
5.63
4.41
Free Cash Flow per Basic Share
-15.13
8.61
-0.04
-16.94
4.31
-5.07
9.31
10.85
-4.4
11.23
11.82
-18.79
0.06
5.43
Dividend per Share
1.53
0.89
1.85
1.15
0.81
1.98
2.5
2.2
1.92
2.4
3.2
3.46
4.55
2.6
Book Value per Share
19.59
22.63
24.22
26.98
29.9
32.37
34.35
35.22
37.96
40.95
44.38
48.04
48.53
36.9
Tangible Book Value per Share
27.43
31.16
32.39
35.74
39.86
40.45
42.84
44.3
46.25
46.25
49.56
53.77
55.98
43.35
Basic Weighted Avg Shares
788
796
801
808
825
833
834
835
837
837
837
836
831
834
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
42,032
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
- -
- -
- -
Market Capitalization
44,144
32,296
34,027

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
- -
- -
- -
- -
6.82
2024
- -
- -
- -
- -
7.23
2025
- -
- -
- -
- -
5.63

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
3.2
2024
- -
- -
- -
- -
3.46
2025
- -
- -
- -
- -
4.55

Company Description

APIChat
CEO
Ee Cheong Wee
Full Time Employees
32,071
Sector
Financial Services
Industry
Banks - Regional
Address
UOB Plaza Singapore Singapore 048624
IPO Date
Nov 18, 1996
Business
United Overseas Bank Limited (UOB) is a leading bank in Asia that provides a wide range of financial services globally through its three core business segments of Group Retail, Group Wholesale Banking and Group Global Markets; its offerings include consumer banking, private banking, business banking, commercial and corporate banking, transaction banking, investment banking, treasury services, corporate finance, capital markets activities, brokerage and clearing services; through subsidiaries, it also provides asset management, private equity fund management, venture capital and insurance services. UOB operates a global network of more than 500 offices in 19 countries and territories across Asia Pacific, Europe and North America, with its primary presence in Asia through its head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, as well as branches in countries including Brunei, Myanmar, Philippines, India, Hong Kong, Japan, South Korea, Taiwan, Australia, the United States, Canada, the United Kingdom and France. Founded in 1935 and headquartered at 80 Raffles Place, UOB Plaza 1, Singapore, the bank serves individual consumers, high-net-worth clients, small and medium-sized enterprises, large corporations and institutional customers, with a focus on ASEAN connectivity, Greater China and cross-border trade. Recent major developments include the completion of its acquisition of Citigroup's consumer banking businesses in Indonesia, Malaysia, Thailand and Vietnam between 2022 and 2023, significantly expanding its regional customer base to over 8.4 million and enhancing its scale in ASEAN retail and wealth management; in 2024-2025, UOB acted as sole financial adviser and acquisition finance provider for E2I Ltd's SG$905 million voluntary general offer to privatise Silverlake Axis Ltd, marking the largest take-private transaction by market capitalisation on the Singapore Exchange that year, and led complex cross-border deals such as the US$4,200 million syndicated term loan for the merger of Gulf Energy Development and Intouch Holdings in Thailand, along with financing for BWID in Vietnam; the bank reported record investment banking fees and double-digit growth in wealth management income for the first half of 2025, with operating profit up 3% year-on-year to S$4.0 billion, supported by a 12% increase in trade loans and resilient asset quality. UOB maintains top-tier credit ratings of Aa1 from Moody's Investors Service and AA- from S&P Global Ratings and Fitch Ratings, underscoring its strong capital position with a Common Equity Tier 1 ratio of 15.3% as of mid-2025.

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