United Overseas Bank Ratios and Metrics

Market cap in millions SGD. Fiscal year is January - December.

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 10, 2026	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
Market Capitalization	64,247	60,727	47,581	51,411	44,979	37,789
Market Cap Growth	2.47%	27.63%	-7.45%	14.30%	19.03%	-14.23%
Last Close Price	38.90	34.08	25.20	25.73	21.63	17.49
PE Ratio	13.77	10.20	8.50	11.43	11.24	13.38
PS Ratio	5.43	4.54	3.66	4.69	4.93	4.96
PB Ratio	1.27	1.22	1.02	1.18	1.05	0.92
Debt / Equity Ratio	0.97	1.08	1.04	1.31	0.92	1.00
Return on Equity (ROE)	-	12.57%	12.71%	10.60%	9.73%	7.23%
Return on Assets (ROA)	-	1.14%	1.11%	0.95%	0.92%	0.70%
Earnings Yield	7.32%	9.95%	12.00%	8.89%	9.06%	7.71%
FCF Yield	-	-31.13%	-35.86%	-37.17%	-73.82%	-14.26%
Dividend Yield	4.73%	5.28%	6.75%	5.25%	5.55%	4.46%
Payout Ratio	-	49.69%	49.01%	45.73%	41.52%	54.72%
Buyback Yield / Dilution	-	-0.01%	-0.02%	0.05%	-0.26%	-0.21%
Total Shareholder Return	4.75%	5.27%	6.73%	5.29%	5.29%	4.24%

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