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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	31,100	28,913	31,805	45,731	43,262	30,968
Investment Securities	151,992	148,741	130,265	121,172	103,729	91,553
Trading Asset Securities	20,742	16,449	15,924	13,967	18,408	11,150
Total Investments	172,734	165,190	146,189	135,139	122,137	102,703
Gross Loans	361,411	352,180	337,831	321,150	319,663	310,800
Allowance for Loan Losses	-4,163	-4,303	-3,901	-4,145	-4,308	-4,087
Net Loans	357,248	347,877	333,930	317,005	315,355	306,713
Property, Plant & Equipment	5,179	4,791	4,169	3,782	3,453	3,182
Goodwill	-	4,770	4,773	4,767	4,703	4,145
Other Intangible Assets	4,901	183	206	217	197	-
Investments in Real Estate	669	663	683	726	746	829
Accrued Interest Receivable	-	2,544	2,351	2,679	2,077	1,061
Other Receivables	-	1,787	1,999	2,359	2,762	1,605
Restricted Cash	7,307	6,829	6,772	6,619	6,157	5,590
Long-Term Deferred Tax Assets	675	707	657	752	560	510
Other Real Estate Owned & Foreclosed	50	20	80	91	94	101
Other Long-Term Assets	10,359	7,787	4,050	3,653	2,757	1,916
Total Assets	590,222	572,061	537,664	523,520	504,260	459,323
Accrued Expenses	-	1,572	1,783	1,908	1,675	1,106
Interest Bearing Deposits	358,958	338,723	321,102	327,891	306,938	269,570
Non-Interest Bearing Deposits	112,151	115,952	102,611	89,949	86,152	98,624
Total Deposits	471,109	454,675	423,713	417,840	393,090	368,194
Short-Term Borrowings	26,999	29,438	28,915	24,558	33,296	18,790
Current Portion of Long-Term Debt	6,230	-	-	-	-	-
Current Portion of Leases	-	91	97	82	68	61
Current Income Taxes Payable	683	610	751	909	802	563
Accrued Interest Payable	-	1,083	1,505	2,078	1,173	320
Other Current Liabilities	1,236	566	665	900	788	977
Long-Term Debt	21,747	26,517	24,966	23,490	23,515	20,438
Long-Term Leases	-	183	180	182	186	117
Long-Term Deferred Tax Liabilities	301	347	320	513	360	431
Other Long-Term Liabilities	8,717	5,486	4,812	4,592	5,701	5,465
Total Liabilities	537,022	520,568	487,707	477,052	460,654	416,462
Preferred Stock, Redeemable	749	749	749	749	2,777	2,377
Preferred Stock, Non-Redeemable	2,698	1,999	1,999	1,999	-	-
Total Preferred Equity	3,447	2,748	2,748	2,748	2,777	2,377
Common Stock	5,292	5,292	5,351	5,351	5,351	5,351
Retained Earnings	36,635	42,050	41,841	38,796	35,893	33,379
Treasury Stock	-404	-440	-390	-347	-273	-337
Comprehensive Income & Other	7,981	1,598	183	-322	-382	1,863
Total Common Equity	49,504	48,500	46,985	43,478	40,589	40,256
Minority Interest	249	245	224	242	240	228
Shareholders' Equity	53,200	51,493	49,957	46,468	43,606	42,861
Total Liabilities & Equity	590,222	572,061	537,664	523,520	504,260	459,323
Total Debt	54,976	56,229	54,158	48,312	57,065	39,406
Net Cash (Debt)	28,066	22,087	31,003	46,479	40,015	41,628
Net Cash Growth	16.32%	-28.76%	-33.30%	16.15%	-3.88%	-9.33%
Net Cash Per Share	17.00	13.21	18.44	27.65	23.81	24.76
Filing Date Shares Outstanding	1,651	1,652	1,672	1,672	1,675	1,672
Total Common Shares Outstanding	1,651	1,652	1,672	1,672	1,675	1,672
Book Value Per Share	29.99	29.36	28.11	26.00	24.24	24.08
Tangible Book Value	44,603	43,547	42,006	38,494	35,689	36,111
Tangible Book Value Per Share	27.02	26.36	25.13	23.02	21.31	21.60