United Overseas Bank Cash Flow Statement

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

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Jun '25 Jun 30, 2025	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	2015 - 2019
Net Income	5,961	6,045	5,711	4,573	4,075	2,915	Upgrade
Depreciation & Amortization	722	675	621	537	489	454	Upgrade
Gain (Loss) on Sale of Assets	-528	-591	-895	-7	-193	-718	Upgrade
Gain (Loss) on Sale of Investments	35	-	-	-	-	-	Upgrade
Total Asset Writedown	38	-	-	-	-	-	Upgrade
Provision for Credit Losses	1,027	926	921	603	657	1,554	Upgrade
Change in Trading Asset Securities	-146	708	1,022	1,062	-1,493	-988	Upgrade
Change in Other Net Operating Assets	-17,695	-25,371	-23,636	-25,073	-36,235	-7,918	Upgrade
Other Operating Activities	-97	-391	96	-66	106	-86	Upgrade
Operating Cash Flow	-10,687	-18,037	-16,189	-18,407	-32,653	-4,827	Upgrade
Capital Expenditures	-1,200	-867	-872	-704	-550	-563	Upgrade
Sale of Property, Plant and Equipment	11	32	34	35	37	9	Upgrade
Cash Acquisitions	-	-	148	-3,093	-	-	Upgrade
Investment in Securities	76	64	45	50	73	43	Upgrade
Income (Loss) Equity Investments	-84	-121	-93	-97	-118	-98	Upgrade
Investing Cash Flow	-1,113	-771	-645	-3,712	-440	-511	Upgrade
Long-Term Debt Issued	-	36,256	33,415	45,691	29,648	31,433	Upgrade
Long-Term Debt Repaid	-	-31,986	-38,103	-38,281	-24,786	-27,410	Upgrade
Net Debt Issued (Repaid)	1,661	4,270	-4,688	7,410	4,862	4,023	Upgrade
Repurchase of Common Stock	-447	-102	-145	-	-130	-20	Upgrade
Preferred Stock Issued	-	-	850	400	749	-	Upgrade
Preferred Share Repurchases	-	-	-890	-	-750	-	Upgrade
Common Dividends Paid	-3,846	-2,896	-2,681	-2,010	-1,607	-1,503	Upgrade
Preferred Dividends Paid	-108	-108	-118	-81	-85	-92	Upgrade
Total Dividends Paid	-3,954	-3,004	-2,799	-2,091	-1,692	-1,595	Upgrade
Net Increase (Decrease) in Deposit Accounts	14,134	3,188	26,955	28,511	29,516	14,450	Upgrade
Other Financing Activities	-6	-37	-15	18	-17	-13	Upgrade
Financing Cash Flow	11,388	4,315	19,268	34,248	32,538	16,511	Upgrade
Foreign Exchange Rate Adjustments	-861	567	32	164	163	3	Upgrade
Net Cash Flow	-1,273	-13,926	2,466	12,293	-392	11,176	Upgrade
Free Cash Flow	-11,887	-18,904	-17,061	-19,111	-33,203	-5,390	Upgrade
Free Cash Flow Margin	-89.27%	-141.41%	-131.13%	-174.18%	-363.59%	-70.72%	Upgrade
Free Cash Flow Per Share	-7.15	-11.24	-10.15	-11.37	-19.75	-3.21	Upgrade
Cash Income Tax Paid	1,177	1,349	1,079	977	675	707	Upgrade

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