United Overseas Bank Limited (SGX:U11)
Singapore · Delayed Price · Currency is SGD 41.60
-0.15 (-0.36%)
Sep 8, 2026, 5:04 PM SGT
United Overseas Bank Cash Flow Statement
Financials in millions SGD. Fiscal year is January - December.
Millions SGD. Fiscal year is Jan - Dec.
Operating Activities
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 |
Net Income | 4,769 | 4,682 | 6,045 | 5,711 | 4,573 | 4,075 |
Depreciation & Amortization | 841 | 779 | 675 | 621 | 537 | 489 |
Gain (Loss) on Sale of Assets | -276 | -389 | -591 | -895 | -7 | -193 |
Gain (Loss) on Sale of Investments | -23 | - | - | - | - | - |
Total Asset Writedown | -295 | - | - | - | - | - |
Provision for Credit Losses | 2,205 | 2,042 | 926 | 921 | 603 | 657 |
Change in Trading Asset Securities | -1,875 | -1,551 | 708 | 1,022 | 1,062 | -1,493 |
Change in Other Net Operating Assets | -46,443 | -35,356 | -25,371 | -23,636 | -25,073 | -36,235 |
Other Operating Activities | -276 | -256 | -391 | 96 | -66 | 106 |
Operating Cash Flow | -41,405 | -30,048 | -18,037 | -16,189 | -18,407 | -32,653 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
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 |
Capital Expenditures | -966 | -1,272 | -867 | -872 | -704 | -550 |
Sale of Property, Plant and Equipment | 139 | 50 | 32 | 34 | 35 | 37 |
Cash Acquisitions | - | - | - | 148 | -3,093 | - |
Investment in Securities | 344 | 71 | 64 | 45 | 50 | 73 |
Income (Loss) Equity Investments | -119 | -79 | -121 | -93 | -97 | -118 |
Investing Cash Flow | -483 | -1,151 | -771 | -645 | -3,712 | -440 |
Financing Activities
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 |
Long-Term Debt Issued | - | 37,910 | 36,256 | 33,415 | 45,691 | 29,648 |
Long-Term Debt Repaid | - | -35,073 | -31,986 | -38,103 | -38,281 | -24,786 |
Lease Payments | -350 | -309 | -125 | -104 | -100 | -87 |
Net Debt Issued (Repaid) | 6,259 | 2,837 | 4,270 | -4,688 | 7,410 | 4,862 |
Repurchase of Common Stock | -720 | -770 | -102 | -145 | - | -130 |
Preferred Stock Issued | - | - | - | 850 | 400 | 749 |
Preferred Share Repurchases | - | - | - | -890 | - | -750 |
Common Dividends Paid | -2,582 | -3,781 | -2,896 | -2,681 | -2,010 | -1,607 |
Preferred Dividends Paid | -107 | -107 | -108 | -118 | -81 | -85 |
Total Dividends Paid | -2,689 | -3,888 | -3,004 | -2,799 | -2,091 | -1,692 |
Net Increase (Decrease) in Deposit Accounts | 40,896 | 31,366 | 3,188 | 26,955 | 28,511 | 29,516 |
Other Financing Activities | -10 | -7 | -37 | -15 | 18 | -17 |
Financing Cash Flow | 44,585 | 29,538 | 4,315 | 19,268 | 34,248 | 32,538 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | -104 | -1,231 | 567 | 32 | 164 | 163 |
Net Cash Flow | 2,593 | -2,892 | -13,926 | 2,466 | 12,293 | -392 |
Free Cash Flow
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 |
Free Cash Flow | -42,371 | -31,320 | -18,904 | -17,061 | -19,111 | -33,203 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -358.59% | -266.19% | -141.41% | -131.13% | -174.18% | -363.59% |
Free Cash Flow Per Share | -25.67 | -18.74 | -11.24 | -10.15 | -11.37 | -19.75 |
Free Cash Flow After Leases | -42,721 | -31,629 | -19,029 | -17,165 | -19,211 | -33,290 |
Additional Metrics
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 Income Tax Paid | 1,054 | 1,193 | 1,349 | 1,079 | 977 | 675 |