United Overseas Bank Limited

DB:UOB Stock Report

Market Cap: €35.0b

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%).


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