United Overseas Bank Limited (UOVEY)

United Overseas Bank Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	-	45,730	43,262	30,972	31,361	20,180
Investment Securities	-	121,172	103,729	91,553	88,704	90,841
Trading Asset Securities	-	13,967	18,408	11,150	15,583	9,197
Total Investments	-	135,139	122,137	102,703	104,287	100,038
Gross Loans	-	321,150	319,663	310,800	281,387	268,676
Allowance for Loan Losses	-	-4,145	-4,308	-4,087	-4,186	-3,218
Net Loans	-	317,005	315,355	306,713	277,201	265,458
Property, Plant & Equipment	-	3,782	3,453	3,182	2,959	2,759
Goodwill	-	4,767	4,703	-	4,143	4,148
Other Intangible Assets	-	217	197	4,145	-	-
Investments in Real Estate	-	726	746	829	964	936
Accrued Interest Receivable	-	2,774	2,077	-	1,020	1,107
Other Receivables	-	2,264	2,762	-	1,971	1,474
Restricted Cash	-	6,620	6,157	5,586	5,437	5,684
Long-Term Deferred Tax Assets	-	752	560	510	429	300
Other Real Estate Owned & Foreclosed	-	91	94	47	108	110
Other Long-Term Assets	-	3,653	2,757	4,636	1,934	2,215
Total Assets	-	523,520	504,260	459,323	431,814	404,409
Accrued Expenses	-	1,908	1,675	-	1,014	1,123
Interest Bearing Deposits	-	327,891	306,938	269,570	258,612	263,249
Non-Interest Bearing Deposits	-	89,949	86,152	98,624	81,963	62,779
Total Deposits	-	417,840	393,090	368,194	340,575	326,028
Short-Term Borrowings	-	24,558	33,296	18,790	23,457	15,424
Current Portion of Long-Term Debt	-	-	-	3,209	41	-
Current Portion of Leases	-	82	68	-	60	68
Current Income Taxes Payable	-	909	802	563	374	489
Accrued Interest Payable	-	2,078	1,173	-	494	974
Other Current Liabilities	-	900	788	977	792	646
Long-Term Debt	-	23,490	23,515	17,229	17,629	16,480
Long-Term Leases	-	182	186	-	130	98
Long-Term Deferred Tax Liabilities	-	513	360	431	436	299
Other Long-Term Liabilities	-	4,592	5,701	7,069	5,681	2,916
Total Liabilities	-	477,052	460,654	416,462	390,683	364,545
Preferred Stock, Redeemable	-	749	1,628	1,628	2,376	2,376
Preferred Stock, Non-Redeemable	-	1,999	1,149	749	-	-
Total Preferred Equity	2,748	2,748	2,777	2,377	2,376	2,376
Common Stock	-	5,351	5,351	5,351	5,299	5,233
Retained Earnings	-	38,796	35,893	26,431	31,032	30,106
Treasury Stock	-	-347	-273	-337	-255	-284
Comprehensive Income & Other	-	-322	-382	8,811	2,449	2,205
Total Common Equity	44,595	43,478	40,589	40,256	38,525	37,260
Minority Interest	-	242	240	228	230	228
Shareholders' Equity	47,558	46,468	43,606	42,861	41,131	39,864
Total Liabilities & Equity	-	523,520	504,260	459,323	431,814	404,409
Total Debt	43,981	48,312	57,065	39,228	41,317	32,070
Net Cash (Debt)	34,651	46,478	40,015	41,810	45,911	50,147
Net Cash Growth	-22.44%	16.15%	-4.29%	-8.93%	-8.45%	20.50%
Net Cash Per Share	20.70	27.65	23.81	24.42	27.38	29.97
Filing Date Shares Outstanding	1,674	1,672	1,675	1,672	1,673	1,668
Total Common Shares Outstanding	1,674	1,672	1,675	1,672	1,673	1,668
Book Value Per Share	26.64	26.00	24.24	24.08	23.03	22.33
Tangible Book Value	39,658	38,494	35,689	36,111	34,382	33,112
Tangible Book Value Per Share	23.69	23.02	21.31	21.60	20.55	19.85

Source: S&P Capital IQ. Banks template. Financial Sources.