United Overseas Bank Balance Sheet Health
Financial Health criteria checks 5/6
United Overseas Bank has total assets of SGD516.7B and total equity of SGD47.6B. Total deposits are SGD414.4B, and total loans are SGD323.6B 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 SGD78.6B.
Key information
10.9x
Asset to equity ratio
2.1%
Net interest margin
| Total deposits | S$414.44b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.5% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | S$78.63b |
Recent financial health updates
No updates
Recent updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UOB19's Assets to Equity ratio (10.9x) is moderate.
Allowance for Bad Loans: UOB19 has a low allowance for bad loans (82%).
Low Risk Liabilities: 88% of UOB19's liabilities are made up of primarily low risk sources of funding.
Loan Level: UOB19 has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: UOB19's Loans to Deposits ratio (78%) is appropriate.
Level of Bad Loans: UOB19 has an appropriate level of bad loans (1.5%).