United Overseas Bank Limited (SGX:U11)
Singapore · Delayed Price · Currency is SGD 36.88
-0.93 (-2.46%)
Nov 6, 2026, 5:12 PM SGT
United Overseas Bank Income Statement
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 | Sep '26 Sep 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 |
Interest Income on Loans | - | 20,676 | 23,259 | 22,242 | 12,862 | 8,204 |
Interest Income on Investments | - | - | - | - | 40 | 40 |
Total Interest Income | - | 20,676 | 23,259 | 22,242 | 12,902 | 8,244 |
Interest Paid on Deposits | - | 11,321 | 13,585 | 12,563 | 4,519 | 1,816 |
Net Interest Income | 9,246 | 9,355 | 9,674 | 9,679 | 8,383 | 6,428 |
Net Interest Income Growth | -2.26% | -3.30% | -0.05% | 15.46% | 30.41% | 5.64% |
Income From Trading Activities | 1,367 | 1,367 | 1,689 | 1,607 | 1,064 | 569 |
Gain (Loss) on Sale of Assets | 13 | 13 | 18 | 19 | 11 | 16 |
Gain (Loss) on Sale of Investments | 207 | 207 | 314 | 133 | -235 | 216 |
Other Non-Interest Income | 2,855 | 2,866 | 2,599 | 2,494 | 2,352 | 2,560 |
Total Non-Interest Income | 4,442 | 4,453 | 4,620 | 4,253 | 3,192 | 3,361 |
Non-Interest Income Growth | -1.70% | -3.62% | 8.63% | 33.24% | -5.03% | 8.73% |
Revenues Before Loan Losses | 13,688 | 13,808 | 14,294 | 13,932 | 11,575 | 9,789 |
Provision for Loan Losses | 784 | 2,042 | 926 | 921 | 603 | 657 |
| 12,904 | 11,766 | 13,368 | 13,011 | 10,972 | 9,132 | |
Revenue Growth | 9.15% | -11.98% | 2.74% | 18.58% | 20.15% | 19.81% |
Salaries and Employee Benefits | 3,328 | 3,328 | 3,612 | 3,485 | 2,940 | 2,543 |
Amortization of Goodwill & Intangibles | 29 | 31 | 28 | 24 | 3 | - |
Selling, General & Administrative | 478 | 478 | 473 | 431 | 380 | 373 |
Other Non-Interest Expense | 2,445 | 2,351 | 2,043 | 1,907 | 1,961 | 1,397 |
Total Non-Interest Expense | 6,151 | 6,109 | 6,035 | 5,754 | 5,187 | 4,195 |
EBT Excluding Unusual Items | 6,753 | 5,657 | 7,333 | 7,257 | 5,785 | 4,937 |
Pretax Income | 6,753 | 5,657 | 7,151 | 6,863 | 5,785 | 4,937 |
Income Tax Expense | 1,164 | 962 | 1,092 | 1,138 | 1,202 | 850 |
Earnings From Continuing Operations | 5,589 | 4,695 | 6,059 | 5,725 | 4,583 | 4,087 |
Minority Interest in Earnings | -13 | -13 | -14 | -14 | -10 | -12 |
Net Income | 5,576 | 4,682 | 6,045 | 5,711 | 4,573 | 4,075 |
Preferred Dividends & Other Adjustments | 93 | 93 | 93 | 114 | 76 | 72 |
Net Income to Common | 5,483 | 4,589 | 5,952 | 5,597 | 4,497 | 4,003 |
Net Income Growth | 16.63% | -22.90% | 6.34% | 24.46% | 12.34% | 41.75% |
Basic Shares Outstanding | 1,651 | 1,663 | 1,673 | 1,674 | 1,674 | 1,674 |
Diluted Shares Outstanding | 1,651 | 1,671 | 1,681 | 1,681 | 1,681 | 1,681 |
Shares Change | - | -0.58% | 0.01% | 0.02% | -0.05% | 0.26% |
EPS (Basic) | 3.32 | 2.76 | 3.56 | 3.34 | 2.69 | 2.39 |
EPS (Diluted) | 3.32 | 2.75 | 3.54 | 3.33 | 2.68 | 2.38 |
EPS Growth | - | -22.32% | 6.31% | 24.25% | 12.61% | 41.67% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Dividend Per Share | 1.590 | 1.560 | 1.800 | 1.700 | 1.350 | 1.200 |
Dividend Growth | -10.17% | -13.33% | 5.88% | 25.93% | 12.50% | 53.85% |
Effective Tax Rate | 17.24% | 17.00% | 15.27% | 16.58% | 20.78% | 17.22% |