United Overseas Bank Limited (SGX:U11)
Singapore · Delayed Price · Currency is SGD 38.31
-0.49 (-1.26%)
Jun 4, 2026, 5:13 PM SGT
United Overseas Bank Income Statement
Financials in millions SGD. Fiscal year is January - December.
Millions SGD. Fiscal year is Jan - Dec.
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Interest Income | 2,324 | 2,346 | 2,265 | 2,336 | 2,409 | 2,451 | 2,460 | 2,401 | 2,362 | 2,404 | 2,429 | 2,437 | 2,409 | 2,600 | 2,234 | 1,890 | 1,686 | 1,717 | 1,604 | 1,603 |
Net Interest Income Growth (YoY) | -3.53% | -4.28% | -7.93% | -2.71% | 1.99% | 1.96% | 1.28% | -1.48% | -1.95% | -7.54% | 8.73% | 28.94% | 42.88% | 51.43% | 39.28% | 17.90% | 10.27% | 9.99% | 8.82% | 7.66% |
Income From Trading Activities | - | 1,367 | - | 731 | - | 1,689 | - | 802 | - | 1,607 | - | 839 | - | 1,064 | - | 317 | - | 569 | - | 314 |
Gain (Loss) on Sale of Assets | - | 13 | - | - | - | 18 | - | - | - | 19 | - | - | - | 11 | - | - | - | - | - | - |
Gain (Loss) on Sale of Investments | - | 207 | - | 149 | - | 314 | - | 125 | - | 133 | - | 149 | - | -235 | - | -59 | - | 216 | - | 148 |
Other Non-Interest Income | 1,098 | -644 | 1,133 | 249 | 1,248 | -1,011 | 1,373 | 148 | 1,162 | -753 | 1,027 | 115 | 1,116 | -110 | 950 | 554 | 673 | -69 | 847 | 352 |
Total Non-Interest Income | 1,098 | 943 | 1,133 | 1,129 | 1,248 | 1,010 | 1,373 | 1,075 | 1,162 | 1,006 | 1,027 | 1,103 | 1,116 | 730 | 950 | 812 | 673 | 716 | 847 | 814 |
Non-Interest Income Growth (YoY) | -12.02% | -6.63% | -17.48% | 5.02% | 7.40% | 0.40% | 33.69% | -2.54% | 4.12% | 37.81% | 8.11% | 35.84% | 65.83% | 1.96% | 12.16% | -0.25% | -29.68% | 4.22% | 7.76% | 5.44% |
Revenues Before Loan Losses | 3,422 | 3,289 | 3,398 | 3,465 | 3,657 | 3,461 | 3,833 | 3,476 | 3,524 | 3,410 | 3,456 | 3,540 | 3,525 | 3,330 | 3,184 | 2,702 | 2,359 | 2,433 | 2,451 | 2,417 |
Provision for Loan Losses | 203 | 112 | 1,361 | 279 | 290 | 227 | 304 | 232 | 163 | 152 | 235 | 365 | 169 | 184 | 104 | 137 | 178 | 111 | 163 | 182 |
| 3,219 | 3,177 | 2,037 | 3,186 | 3,367 | 3,234 | 3,529 | 3,244 | 3,361 | 3,258 | 3,221 | 3,175 | 3,356 | 3,146 | 3,080 | 2,565 | 2,181 | 2,322 | 2,288 | 2,235 | |
Revenue Growth (YoY) | -4.40% | -1.76% | -42.28% | -1.79% | 0.18% | -0.74% | 9.56% | 2.17% | 0.15% | 3.56% | 4.58% | 23.78% | 53.87% | 35.49% | 34.62% | 14.77% | -4.55% | 25.38% | 28.32% | 19.84% |
Salaries and Employee Benefits | - | 3,328 | - | 1,787 | - | 3,612 | - | 1,760 | - | 3,485 | - | 1,703 | - | 2,940 | - | 1,291 | - | 2,543 | - | 1,296 |
Amortization of Goodwill & Intangibles | 7 | 8 | 7 | 9 | 7 | 8 | 7 | 6 | 7 | 7 | 7 | 5 | 5 | 3 | - | - | - | - | - | - |
Selling, General & Administrative | - | 478 | - | 227 | - | 473 | - | 225 | - | 431 | - | 209 | - | 380 | - | 187 | - | 373 | - | 191 |
Other Non-Interest Expense | 1,524 | -2,279 | 1,535 | -478 | 1,560 | -2,473 | 1,589 | -355 | 1,475 | -2,398 | 1,416 | -265 | 1,440 | -1,637 | 1,357 | -295 | 1,058 | -1,821 | 1,071 | -431 |
Total Non-Interest Expense | 1,508 | 1,500 | 1,517 | 1,548 | 1,545 | 1,580 | 1,571 | 1,606 | 1,456 | 1,503 | 1,403 | 1,626 | 1,420 | 1,658 | 1,339 | 1,160 | 1,029 | 1,076 | 1,042 | 1,018 |
EBT Excluding Unusual Items | 1,711 | 1,677 | 520 | 1,638 | 1,822 | 1,654 | 1,958 | 1,638 | 1,905 | 1,755 | 1,818 | 1,549 | 1,936 | 1,488 | 1,741 | 1,405 | 1,152 | 1,246 | 1,246 | 1,217 |
Pretax Income | 1,711 | 1,677 | 520 | 1,638 | 1,822 | 1,643 | 1,930 | 1,717 | 1,826 | 1,616 | 1,721 | 1,616 | 1,869 | 1,488 | 1,741 | 1,405 | 1,152 | 1,246 | 1,246 | 1,217 |
Income Tax Expense | 274 | 253 | 77 | 295 | 332 | 106 | 320 | 284 | 339 | 199 | 339 | 195 | 358 | 326 | 338 | 291 | 246 | 216 | 200 | 208 |
Earnings From Continuing Operations | 1,437 | 1,424 | 443 | 1,343 | 1,490 | 1,537 | 1,610 | 1,433 | 1,487 | 1,417 | 1,382 | 1,421 | 1,511 | 1,162 | 1,403 | 1,114 | 906 | 1,030 | 1,046 | 1,009 |
Minority Interest in Earnings | - | -13 | - | -5 | - | -14 | - | -8 | - | -14 | - | -7 | - | -10 | - | -2 | - | -12 | - | -6 |
Net Income | 1,437 | 1,411 | 443 | 1,338 | 1,490 | 1,523 | 1,610 | 1,425 | 1,487 | 1,403 | 1,382 | 1,414 | 1,511 | 1,152 | 1,403 | 1,112 | 906 | 1,018 | 1,046 | 1,003 |
Preferred Dividends & Other Adjustments | - | 93 | - | - | - | 93 | - | - | - | 114 | - | - | - | 76 | - | - | - | - | - | - |
Net Income to Common | 1,437 | 1,318 | 443 | 1,338 | 1,490 | 1,430 | 1,610 | 1,425 | 1,487 | 1,289 | 1,382 | 1,414 | 1,511 | 1,076 | 1,403 | 1,112 | 906 | 1,018 | 1,046 | 1,003 |
Net Income Growth | -3.56% | -7.35% | -72.48% | -6.11% | 0.20% | 8.55% | 16.50% | 0.78% | -1.59% | 21.79% | -1.50% | 27.16% | 66.78% | 13.16% | 34.13% | 10.87% | -10.12% | 47.75% | 56.59% | 42.67% |
Basic Shares Outstanding | 1,652 | 1,652 | - | 1,663 | - | 1,672 | - | 1,674 | - | 1,672 | - | 1,675 | - | 1,675 | - | 1,675 | - | 1,672 | - | 1,677 |
Diluted Shares Outstanding | 1,652 | 1,652 | - | 1,663 | - | 1,672 | - | 1,674 | - | 1,672 | - | 1,675 | - | 1,675 | - | 1,675 | - | 1,672 | - | 1,677 |
Shares Change (YoY) | - | -1.16% | - | -0.62% | - | -0.06% | - | -0.07% | - | -0.13% | - | 0.01% | - | 0.16% | - | -0.14% | - | -0.05% | - | 0.45% |
EPS (Basic) | 0.87 | 0.80 | - | 0.80 | - | 0.86 | - | 0.85 | - | 0.77 | - | 0.84 | - | 0.64 | - | 0.66 | - | 0.61 | - | 0.60 |
EPS (Diluted) | 0.87 | 0.80 | - | 0.80 | - | 0.86 | - | 0.85 | - | 0.77 | - | 0.84 | - | 0.64 | - | 0.66 | - | 0.61 | - | 0.60 |
EPS Growth | - | -6.71% | - | -5.52% | - | 10.96% | - | 0.84% | - | 19.95% | - | 27.14% | - | 5.53% | - | 11.02% | - | 72.24% | - | 42.04% |
Dividend Per Share | - | 0.710 | - | 0.850 | - | 0.920 | - | 0.880 | - | 0.850 | - | 0.850 | - | 0.750 | - | 0.600 | - | 0.600 | - | 0.600 |
Dividend Growth | - | -22.83% | - | -3.41% | - | 8.24% | - | 3.53% | - | 13.33% | - | 41.67% | - | 25.00% | - | - | - | 53.85% | - | 53.85% |
Effective Tax Rate | 16.01% | 15.09% | 14.81% | 18.01% | 18.22% | 6.45% | 16.58% | 16.54% | 18.57% | 12.31% | 19.70% | 12.07% | 19.16% | 21.91% | 19.41% | 20.71% | 21.35% | 17.34% | 16.05% | 17.09% |