U11 - United Overseas Bank (UOB)

United Overseas Bank Limited1 (UOB) is a Singapore-based bank with a network of over 500 offices in 18 countries and territories in Asia Pacific, Western Europe and North America. UOB provides a wide range of financial services through its global network of branches/offices and subsidiaries/associates. UOB's banking subsidiaries in the region are United Overseas Bank (Malaysia), United Overseas Bank (Thai), PT Bank UOB Indonesia, PT Bank UOB Buana, United Overseas Bank (China) and United Overseas Bank Philippines. The services provided by the Bank include personal financial services, private banking, trust services, commercial and corporate banking, investment banking, corporate finance, capital market activities, treasury services, futures broking, asset management, venture capital management, general insurance, life assurance and stockbroking services. UOB also has interests in travel and leasing.


Founded 1935
Headquarters Singapore
Sector Commercial Banking
Net income S$2.569 billion ▲ (FY 2006)
Website http://www.uobgroup.com

Peer Comparison

Rank Company Name Sales USD m Employees Market Cap USD m Net Income USD m Net Profit Margin
103 Bank VTB OAO 5,387.00 28,466 14,120.69 1,480.00 35.64%
104 IKB Deutsche Industriebank AG 5,378.60 1,839 266.77 -50.23 -3.75%
105 Banco Espirito Santo SA 5,243.21 9,481 5,967.99 944.44 31.73%
106 United Overseas Bank Ltd. 5,229.62 21,432 20,181.60 1,496.72 42.85%
107 State Street Corporation 5,212.00 27,110 30,049.64 1,261.00 15.13%
108 Alpha Bank S.A. 5,010.41 12,907 9,132.41 1,250.18 34.45%
109 Mitsubishi UFJ Financial Gr Inc (Parent) 4,918.88 996 0.00 3,932.67 0.00%


  • Wee Cho Yaw, Chairman
  • Wee Ee Cheong, Chief Executive Officer (with immediate effect as of 27th April 2007)
  • Chong Kie Cheong, SEVP, Institutional Financial Services & Private Banking
  • Francis Lee Chin Yong, SEVP, Personal Financial Services & International
  • Terence Ong Sea Eng, SEVP, Global Treasury & Asset Management
  • Bill Chua Teck Huat, EVP, Delivery Channels & Operations
  • Susan Hwee, EVP, Information Technology
  • Eddie Khoo Boo Jin, EVP, Personal Financial Services
  • Lee Wai Fai, CFO & EVP, Corporate Services
  • Tham Ming Soong, EVP, Risk Management
  • Wee Joo Yeow, EVP, Corporate Banking
  • Jenny Wong Mei Leng, EVP, Human Resources
  • Yeo Eng Cheong, EVP, Commercial Credit
  • Tay Tong Poh, EVP, Investment Banking
  • Chew Mei Lee, SVP, Group Compliance
  • Vivien Chan, SVP, Group Legal & Secretariat
  • Victor Ngo, SVP, Internal Audit

Key Ratios

Last Financial Period 2007
Reporting Currency SGD
Relative Valuations
P/E excluding Extraordinary Items 14.11
Price to Sales TTM 5.53
Price to Cash Flow 12.64
Price to Free Cash Flow 4.90
Price to Book 1.77
Price to Tangible Book Value 2.21
Tangible Book Value per Share 8.57
Financial Strength
Current Ratio
Quick Ratio
Long Term Debt to Equity 38.47
Debt to Equity 38.47
Interest Coverage
Pre-Tax Margin TTM 52.73%
Pre-Tax Margin, 5-Yr Average 55.83%
Net Profit Margin TTM 41.76%
Net Profit Margin, 5-Yr Average 44.13%
Operating Margin TTM 52.73%
Operating Margin, 5-Yr Average 55.83%
EBIT Margin, 5-Yr Average
Gross Margin TTM
Gross Margin, 5-Yr Average
Tax Rate 20.85%
Tax Rate, 5-Yr Average 20.95%
Return on Average Equity TTM 12.93%
Return on Average Equity, 5-Yr Average 12.55%
Return on Average Assets TTM 1.24%
Return on Average Assets, 5-Yr Average 1.32%
Return on Investment
Return on Investment, 5-Yr Average
Revenue per Employee 244,567
Net Income per Employee 104,801
Asset Turnover
Receivables Turnover
Inventory Turnover


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