United Overseas Bank Limited (SGX:U11)

United Overseas Bank Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	4,682	6,045	5,711	4,573	4,075
Depreciation & Amortization	779	675	621	537	489
Gain (Loss) on Sale of Assets	-389	-591	-895	-7	-193
Provision for Credit Losses	2,042	926	921	603	657
Change in Trading Asset Securities	-1,551	708	1,022	1,062	-1,493
Change in Other Net Operating Assets	-35,356	-25,371	-23,636	-25,073	-36,235
Other Operating Activities	-256	-391	96	-66	106
Operating Cash Flow	-30,048	-18,037	-16,189	-18,407	-32,653
Capital Expenditures	-1,272	-867	-872	-704	-550
Sale of Property, Plant and Equipment	50	32	34	35	37
Cash Acquisitions	-	-	148	-3,093	-
Investment in Securities	71	64	45	50	73
Income (Loss) Equity Investments	-79	-121	-93	-97	-118
Investing Cash Flow	-1,151	-771	-645	-3,712	-440
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
Net Debt Issued (Repaid)	2,837	4,270	-4,688	7,410	4,862
Repurchase of Common Stock	-770	-102	-145	-	-130
Preferred Stock Issued	-	-	850	400	749
Preferred Share Repurchases	-	-	-890	-	-750
Common Dividends Paid	-3,781	-2,896	-2,681	-2,010	-1,607
Preferred Dividends Paid	-107	-108	-118	-81	-85
Total Dividends Paid	-3,888	-3,004	-2,799	-2,091	-1,692
Net Increase (Decrease) in Deposit Accounts	31,366	3,188	26,955	28,511	29,516
Other Financing Activities	-7	-37	-15	18	-17
Financing Cash Flow	29,538	4,315	19,268	34,248	32,538
Foreign Exchange Rate Adjustments	-1,231	567	32	164	163
Net Cash Flow	-2,892	-13,926	2,466	12,293	-392
Free Cash Flow	-31,320	-18,904	-17,061	-19,111	-33,203
Free Cash Flow Margin	-266.19%	-141.41%	-131.13%	-174.18%	-363.59%
Free Cash Flow Per Share	-18.74	-11.24	-10.15	-11.37	-19.75
Cash Income Tax Paid	1,193	1,349	1,079	977	675

Source: S&P Global Market Intelligence. Banks template. Financial Sources.