United Overseas Bank Cash Flow Statement

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

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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
Net Income	6,045	5,711	4,573	4,075	2,915
Depreciation & Amortization	675	621	537	489	454
Gain (Loss) on Sale of Assets	-591	-895	-7	-193	-718
Provision for Credit Losses	926	921	603	657	1,554
Change in Trading Asset Securities	708	1,022	1,062	-1,493	-988
Change in Other Net Operating Assets	-25,371	-23,636	-25,073	-36,235	-7,918
Other Operating Activities	-391	96	-66	106	-86
Operating Cash Flow	-18,037	-16,189	-18,407	-32,653	-4,827
Capital Expenditures	-867	-872	-704	-550	-563
Sale of Property, Plant and Equipment	32	34	35	37	9
Cash Acquisitions	-	148	-3,093	-	-
Investment in Securities	64	45	50	73	43
Income (Loss) Equity Investments	-121	-93	-97	-118	-98
Investing Cash Flow	-771	-645	-3,712	-440	-511
Long-Term Debt Issued	36,256	33,415	45,691	29,648	31,433
Long-Term Debt Repaid	-31,986	-38,103	-38,281	-24,786	-27,410
Net Debt Issued (Repaid)	4,270	-4,688	7,410	4,862	4,023
Repurchase of Common Stock	-102	-145	-	-130	-20
Preferred Stock Issued	-	850	400	749	-
Preferred Share Repurchases	-	-890	-	-750	-
Common Dividends Paid	-2,896	-2,681	-2,010	-1,607	-1,503
Preferred Dividends Paid	-108	-118	-81	-85	-92
Total Dividends Paid	-3,004	-2,799	-2,091	-1,692	-1,595
Net Increase (Decrease) in Deposit Accounts	3,188	26,955	28,511	29,516	14,450
Other Financing Activities	-37	-15	18	-17	-13
Financing Cash Flow	4,315	19,268	34,248	32,538	16,511
Foreign Exchange Rate Adjustments	567	32	164	163	3
Net Cash Flow	-13,926	2,466	12,293	-392	11,176
Free Cash Flow	-18,904	-17,061	-19,111	-33,203	-5,390
Free Cash Flow Margin	-141.41%	-131.13%	-174.18%	-363.59%	-70.72%
Free Cash Flow Per Share	-11.24	-10.15	-11.37	-19.75	-3.21
Cash Income Tax Paid	1,349	1,079	977	675	707

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.