United Overseas Bank Balance Sheet Health
Financial Health criteria checks 5/6
United Overseas Bank has total assets of SGD523.5B and total equity of SGD46.5B. Total deposits are SGD417.8B, and total loans are SGD317.0B earning a Net Interest Margin of 2.1%. It has insufficient allowance for bad loans, which are currently at 1.5% of total loans. Cash and short-term investments are SGD94.8B.
Key information
11.3x
Asset to equity ratio
2.1%
Net interest margin
Total deposits | S$417.84b |
Loan to deposit ratio | Appropriate |
Bad loans | 1.5% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | S$94.79b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UOB's Assets to Equity ratio (11.3x) is moderate.
Allowance for Bad Loans: UOB has a low allowance for bad loans (85%).
Low Risk Liabilities: 88% of UOB's liabilities are made up of primarily low risk sources of funding.
Loan Level: UOB has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: UOB's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: UOB has an appropriate level of bad loans (1.5%).