United Overseas Bank Balance Sheet

Financials in millions SGD. Fiscal year is January - December.

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	-	31,805	45,731	43,262	30,968	31,361
Investment Securities	-	130,265	121,172	103,729	91,553	88,704
Trading Asset Securities	-	15,924	13,967	18,408	11,150	15,583
Total Investments	-	146,189	135,139	122,137	102,703	104,287
Gross Loans	-	337,831	321,150	319,663	310,800	281,387
Allowance for Loan Losses	-	-3,901	-4,145	-4,308	-4,087	-4,186
Net Loans	-	333,930	317,005	315,355	306,713	277,201
Property, Plant & Equipment	-	4,169	3,782	3,453	3,182	2,959
Goodwill	-	4,773	4,767	4,703	4,145	4,143
Other Intangible Assets	-	206	217	197	-	-
Investments in Real Estate	-	683	726	746	829	964
Accrued Interest Receivable	-	2,351	2,679	2,077	1,061	1,020
Other Receivables	-	-	-	2,762	1,605	1,971
Restricted Cash	-	6,772	6,619	6,157	5,590	5,437
Long-Term Deferred Tax Assets	-	657	752	560	510	429
Other Real Estate Owned & Foreclosed	-	80	91	94	101	108
Other Long-Term Assets	-	6,049	6,012	2,757	1,916	1,934
Total Assets	-	537,664	523,520	504,260	459,323	431,814
Accrued Expenses	-	1,783	1,908	1,675	1,106	1,014
Interest Bearing Deposits	-	321,102	327,891	306,938	269,570	258,612
Non-Interest Bearing Deposits	-	102,611	89,949	86,152	98,624	81,963
Total Deposits	-	423,713	417,840	393,090	368,194	340,575
Short-Term Borrowings	-	28,915	24,558	33,296	18,790	23,457
Current Portion of Long-Term Debt	-	-	-	-	-	41
Current Portion of Leases	-	97	82	68	61	60
Current Income Taxes Payable	-	751	909	802	563	374
Accrued Interest Payable	-	1,505	2,078	1,173	320	494
Other Current Liabilities	-	665	900	788	977	792
Long-Term Debt	-	24,966	23,490	23,515	20,438	17,629
Long-Term Leases	-	180	182	186	117	130
Long-Term Deferred Tax Liabilities	-	320	513	360	431	436
Other Long-Term Liabilities	-	4,812	4,592	5,701	5,465	5,681
Total Liabilities	-	487,707	477,052	460,654	416,462	390,683
Preferred Stock, Redeemable	-	749	749	2,777	2,377	2,376
Preferred Stock, Non-Redeemable	-	1,999	1,999	-	-	-
Total Preferred Equity	2,748	2,748	2,748	2,777	2,377	2,376
Common Stock	-	5,351	5,351	5,351	5,351	5,299
Retained Earnings	-	41,841	38,796	35,893	33,379	31,032
Treasury Stock	-	-390	-347	-273	-337	-255
Comprehensive Income & Other	-	183	-322	-382	1,863	2,449
Total Common Equity	47,598	46,985	43,478	40,589	40,256	38,525
Minority Interest	-	224	242	240	228	230
Shareholders' Equity	50,573	49,957	46,468	43,606	42,861	41,131
Total Liabilities & Equity	-	537,664	523,520	504,260	459,323	431,814
Total Debt	49,028	54,158	48,312	57,065	39,406	41,317
Net Cash (Debt)	24,128	31,003	46,479	40,015	41,628	45,911
Net Cash Growth	-30.37%	-33.30%	16.15%	-3.88%	-9.33%	-8.45%
Net Cash Per Share	14.51	18.44	27.65	23.81	24.76	27.38
Filing Date Shares Outstanding	1,663	1,672	1,672	1,675	1,672	1,673
Total Common Shares Outstanding	1,663	1,672	1,672	1,675	1,672	1,673
Book Value Per Share	28.62	28.11	26.00	24.24	24.08	23.03
Tangible Book Value	42,658	42,006	38,494	35,689	36,111	34,382
Tangible Book Value Per Share	25.65	25.13	23.02	21.31	21.60	20.55

Source: S&P Global Market Intelligence. Banks template. Financial Sources.