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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 14, 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
Market Capitalization	62,177	57,925	60,727	47,581	51,411	44,979
Market Cap Growth	-1.49%	-4.61%	27.63%	-7.45%	14.30%	19.03%
Last Close Price	37.60	35.06	34.08	25.20	25.73	21.63
PE Ratio	13.67	12.62	10.20	8.50	11.43	11.24
PS Ratio	5.28	4.92	4.54	3.66	4.69	4.93
PB Ratio	1.21	1.13	1.22	1.02	1.18	1.05
Debt / Equity Ratio	1.09	1.09	1.08	1.04	1.31	0.92
Net Debt / Equity Ratio	-0.43	-0.43	-0.62	-1.00	-0.92	-0.97
Net Debt / FCF Ratio	0.71	0.71	1.64	2.72	2.09	1.25
Return on Equity (ROE)	9.26%	9.26%	12.57%	12.71%	10.60%	9.73%
Return on Assets (ROA)	0.85%	0.85%	1.14%	1.11%	0.95%	0.92%
Earnings Yield	7.38%	8.08%	9.95%	12.00%	8.89%	9.06%
FCF Yield	-50.37%	-54.07%	-31.13%	-35.86%	-37.17%	-73.82%
Dividend Yield	4.17%	4.45%	5.28%	6.75%	5.25%	5.55%
Payout Ratio	83.04%	83.04%	49.69%	49.01%	45.73%	41.52%
Buyback Yield / Dilution	0.58%	0.58%	-0.01%	-0.02%	0.05%	-0.26%
Total Shareholder Return	4.75%	5.03%	5.27%	6.73%	5.29%	5.29%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.