United Overseas Bank Limited (SGX:U11)

United Overseas Bank Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	38,577	45,730	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	-	4,767	4,703	4,145	4,143
Other Intangible Assets	4,979	217	197	-	-
Investments in Real Estate	683	726	746	829	964
Accrued Interest Receivable	-	2,774	2,077	1,061	1,020
Other Receivables	-	2,264	2,762	1,605	1,971
Restricted Cash	-	6,620	6,157	5,590	5,437
Long-Term Deferred Tax Assets	657	752	560	510	429
Other Real Estate Owned & Foreclosed	-	91	94	101	108
Other Long-Term Assets	8,480	3,653	2,757	1,916	1,934
Total Assets	537,664	523,520	504,260	459,323	431,814
Accrued Expenses	-	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	-	82	68	61	60
Current Income Taxes Payable	751	909	802	563	374
Accrued Interest Payable	-	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	-	182	186	117	130
Long-Term Deferred Tax Liabilities	320	513	360	431	436
Other Long-Term Liabilities	8,377	4,592	5,701	5,465	5,681
Total Liabilities	487,707	477,052	460,654	416,462	390,683
Preferred Stock, Redeemable	-	749	2,777	2,377	2,376
Preferred Stock, Non-Redeemable	2,748	1,999	-	-	-
Total Preferred Equity	2,748	2,748	2,777	2,377	2,376
Common Stock	5,351	5,351	5,351	5,351	5,299
Retained Earnings	34,834	38,796	35,893	33,379	31,032
Treasury Stock	-390	-347	-273	-337	-255
Comprehensive Income & Other	7,190	-322	-382	1,863	2,449
Total Common Equity	46,985	43,478	40,589	40,256	38,525
Minority Interest	224	242	240	228	230
Shareholders' Equity	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	53,881	48,312	57,065	39,406	41,317
Net Cash (Debt)	38,052	46,478	40,015	41,628	45,911
Net Cash Growth	-18.13%	16.15%	-3.87%	-9.33%	-8.45%
Net Cash Per Share	22.28	27.65	23.81	24.76	27.38
Filing Date Shares Outstanding	1,672	1,672	1,675	1,672	1,673
Total Common Shares Outstanding	1,672	1,672	1,675	1,672	1,673
Book Value Per Share	28.11	26.00	24.24	24.08	23.03
Tangible Book Value	42,006	38,494	35,689	36,111	34,382
Tangible Book Value Per Share	25.13	23.02	21.31	21.60	20.55

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