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United Overseas Bank Limited

U11 · SGX · Financials, banks · Singapore · IFRS · Fiscal year ends December

Latest report: FY2025, the fiscal year ended 31 December 2025, its statements approved by the board on 23 February 2026. Snapshot FY2025_312a6485.

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Overview

Total income, fiscal year
−3.4% year on year
Profit before tax, fiscal year
−20.9% year on year
Profit attributable to owners of the parent, fiscal year
−22.5% year on year
Return on equity, fiscal year
−3.3pp year on year
Cost-to-income ratio, fiscal year
+0.4pp year on year
Credit cost ratio, fiscal year
+0.31pp year on year

Select a figure to see the document it came from.

Key Findings

Findings for the latest fiscal year, with their history over earlier years.

  1. Total income for the fiscal year ended 31 December 2025 was S$13.8 billion, 3.4% lower than in the previous fiscal year.

    Newin FY2025 · first stated
    Rule: Revenue against the previous fiscal year · Sources Annual report 2025-12
    History of this finding, 4 records
    1. FY2025 NewTotal income for the fiscal year ended 31 December 2025 was S$13.8 billion, 3.4% lower than in the previous fiscal year.Recorded from FY2025_312a6485 · data update
    2. FY2025 RetiredThe finding changed to lower than a year earlier.Recorded from FY2025_312a6485 · data update
    3. FY2024 WeakenedTotal income for the fiscal year ended 31 December 2024 was S$14.3 billion, 2.6% higher than in the previous fiscal year.Reconstructed · data update
    4. FY2023 NewTotal income for the fiscal year ended 31 December 2023 was S$13.9 billion, 20.4% higher than in the previous fiscal year.Reconstructed · initial

  2. Profit attributable to owners of the parent for fiscal 2025 was S$4.7 billion, 22.5% lower than in the previous fiscal year.

    Newin FY2025 · first stated
    Rule: Profit against the previous fiscal year · Sources Annual report 2025-12
    History of this finding, 4 records
    1. FY2025 NewProfit attributable to owners of the parent for fiscal 2025 was S$4.7 billion, 22.5% lower than in the previous fiscal year.Recorded from FY2025_312a6485 · data update
    2. FY2025 RetiredThe finding changed to lower than a year earlier.Recorded from FY2025_312a6485 · data update
    3. FY2024 WeakenedProfit attributable to owners of the parent for fiscal 2024 was S$6.0 billion, 5.8% higher than in the previous fiscal year.Reconstructed · data update
    4. FY2023 NewProfit attributable to owners of the parent for fiscal 2023 was S$5.7 billion, 24.9% higher than in the previous fiscal year.Reconstructed · initial

  3. Return on equity for fiscal 2025 was 9.3%, against 12.6% in the previous fiscal year.

    Strengthenedin FY2025 · stated since FY2024
    Rule: Return on equity against the previous fiscal year · Sources Annual report 2025-12, Annual report 2024-12
    History of this finding, 4 records
    1. FY2025 StrengthenedReturn on equity for fiscal 2025 was 9.3%, against 12.6% in the previous fiscal year.Recorded from FY2025_312a6485 · data update
    2. FY2024 NewReturn on equity for fiscal 2024 was 12.6%, against 12.7% in the previous fiscal year.Reconstructed · data update
    3. FY2024 RetiredThe finding changed to lower than a year earlier.Reconstructed · data update
    4. FY2023 NewReturn on equity for fiscal 2023 was 12.7%, against 10.6% in the previous fiscal year.Reconstructed · initial

  4. The cost-to-income ratio for fiscal 2025 was 44.6%, against 44.1% in the previous fiscal year.

    Newin FY2025 · first stated
    Rule: Cost-to-income ratio against the previous fiscal year · Sources Annual report 2025-12
    History of this finding, 4 records
    1. FY2025 NewThe cost-to-income ratio for fiscal 2025 was 44.6%, against 44.1% in the previous fiscal year.Recorded from FY2025_312a6485 · data update
    2. FY2025 RetiredThe finding changed to higher than a year earlier.Recorded from FY2025_312a6485 · data update
    3. FY2024 WeakenedThe cost-to-income ratio for fiscal 2024 was 44.1%, against 44.6% in the previous fiscal year.Reconstructed · data update
    4. FY2023 NewThe cost-to-income ratio for fiscal 2023 was 44.6%, against 45.6% in the previous fiscal year.Reconstructed · initial

Records before FY2025 are reconstructed from the latest snapshot. Ledger: findings.json.

Data

Source documents5 documents, latest Annual report for the year to 31 December 2025List
DownloadsExcel workbook · JSON
SnapshotFY2025_312a6485

Corporate Events

Corporate events are listed for companies whose figures come from 10-K and 10-Q filings; none are listed for this company.

Earnings, Returns and Balance Sheet

Total Income

By fiscal year, Singapore dollars

Profit Before Tax

By fiscal year, Singapore dollars

Profit Attributable to Owners of the Parent

By fiscal year, Singapore dollars

Revenue Mix

Share of total income by fiscal year, per cent

Return on Equity

By fiscal year, per cent

Cost-to-income Ratio

By fiscal year, per cent

Credit Cost Ratio

Allowances for credit losses over average loans, by fiscal year, per cent

Loan-to-deposit Ratio

At fiscal year end, per cent

Financial Statements

Figures as filed. Select a figure for its source document and method; a small d marks a figure derived from other figures of the same report.

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Ratios

Select a ratio for its formula and the figures it uses, each with its document; (i) gives its definition.

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Source Documents

Documents of this snapshot, latest first. A report that states no date of publication carries the date on which its board approved the statements.

DocumentDateIdSHA-256
Annual report for the year to 31 December 202523 Feb 2026, the date on which the board approved the statementsAR:uob-2025-12-318f16c545145d
Annual report for the year to 31 December 202418 Feb 2025, the date on which the board approved the statementsAR:uob-2024-12-3158d913333731
Annual report for the year to 31 December 202321 Feb 2024, the date on which the board approved the statementsAR:uob-2023-12-310da8e7d810f8
Annual report for the year to 31 December 202222 Feb 2023, the date on which the board approved the statementsAR:uob-2022-12-314fd4c0c0ed3b
Annual report for the year to 31 December 202115 Feb 2022, the date on which the board approved the statementsAR:uob-2021-12-318f154f5120d9

Checks

420419 of 420 checks passed, 1 warning
Statement arithmetic262 passedIn every annual report used, the lines of each statement add up to the totals printed under them, profit before tax less income tax gives the profit, the balance sheet balances, and the cash at the end of each year is the cash at its start with its change. A report that fails one is not used. Checked at error level.
Note10 passed Checked at warning level.
Fiscal calendar11 passedFiscal years last 350 to 380 days, and each starts on the day after the one before. Checked at error level.
Coverage2 passedThe latest fiscal year gives total assets and a profit figure. Checked at error level.
Balance sheet identity6 passedTotal assets equal total liabilities and equity at each balance sheet date. Checked at error level.
Earnings per share6 passedProfit divided by earnings per share gives a number of shares in line with the other years. Checked at warning level.
Agreement between annual reports122 passedA value of a year that the annual report of the year and that of the next year give in the same amount. A value that the later report gives differently is listed as a restatement, and the later value is used. Checked at warning level.
Withheld values1 value withheldA value that contradicts the definition of its item, or that documents report in contradiction, is withheld. Checked at warning level.
Net cash from operating activities, FY2020: withheld, a later report gives the item on another definition, and no report gives this year on that definition

Data Quality

How many values of this snapshot the checks prove, and how many Annalist derives, withholds and tracks as restated. Every company.

Values published184
Confirmed by other figures69.6%, 128 values
Confirmed by a second document66.3%, 122 values
Derived from reported figures0.0%, 0 values
Values withheld1
Restated figures tracked1
Changes compared on one basis0
Company lines mapped0 of 0 reviewed

Citation

Annalist, United Overseas Bank Limited, snapshot uob/FY2025_312a6485 (as of FY2025); <item label>, <period>; source <document id> (<document url>)

Snapshot FY2025_312a6485 · dataset SHA-256 312a648526358438987ec0a5f793f05f9dde01452f6cdfdf3dd75d616b027b05 · findings rules 0.5

Data: info.json · dataset.json · validation.json · documents.json