Cash Flow Statement

Operating Cash Flow

+12%

-76%

10Y

Currency: SGD

	Mar-2003	Jun-2003	Sep-2003	Dec-2003	Mar-2004	Jun-2004	Sep-2004	Dec-2004	Mar-2005	Jun-2005	Sep-2005	Dec-2005	Mar-2006	Jun-2006	Sep-2006	Dec-2006	Mar-2007	Jun-2007	Sep-2007	Dec-2007	Mar-2008	Jun-2008	Sep-2008	Dec-2008	Mar-2009	Jun-2009	Sep-2009	Dec-2009	Mar-2010	Jun-2010	Sep-2010	Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Dec-2020	Jun-2021	Dec-2021	Jun-2022	Dec-2022	Jun-2023	Dec-2023	Jun-2024	Dec-2024	Jun-2025
Operating Cash Flow
Net Income	1 739	1 289	1 054	1 608	1 712	1 844	1 904	2 032	2 145	2 250	2 338	2 337	2 364	2 979	3 002	3 101	3 216	2 834	2 856	2 854	2 902	3 014	3 104	3 200	3 323	3 356	3 459	3 331	3 398	3 186	3 286	3 542	3 422	3 521	3 339	3 248	3 361	3 480	3 727	3 748	3 771	3 745	3 716	3 822	3 640	4 022	4 246	3 264	3 275	2 740	2 428	3 220	3 184	3 222	3 156	3 108	3 150	3 196	3 288	3 407	3 577	3 808	3 963	4 021	4 097	4 188	4 269	4 362	4 162	3 697	2 930	3 384	4 087	4 090	4 583	5 495	5 725	5 712	6 059	5 973
Depreciation & Amortization	388	312	232	310	311	313	323	125	132	138	140	140	141	140	141	142	141	142	142	141	139	138	135	134	134	134	135	138	139	139	140	137	135	126	120	116	114	119	122	121	122	125	125	130	134	137	142	163	172	181	190	182	192	201	210	222	234	239	247	258	256	264	270	273	300	330	363	399	417	434	454	467	489	502	537	587	621	647	675	722
Stock-Based Compensation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	3	0	0	0	15	0	0	0	18	0	0	0	19	0	0	0	31	0	0	0	22	0	0	0	28	0	0	0	32	0	0	0	41	0	0	0	41	0	0	0	41	0	0	0	40	0	0	0	52	0	0	58	0	61	0	62	0	68	41	87	84
Other Non-Cash Items	(126)	(59)	(62)	(107)	(133)	(153)	(168)	(96)	(55)	(85)	(85)	(140)	(166)	(449)	(420)	(439)	(459)	(129)	(192)	(212)	(178)	(298)	(228)	(148)	(166)	(31)	(12)	(14)	(121)	(86)	(144)	(342)	(239)	(285)	(191)	47	(94)	(208)	(374)	(509)	(431)	(233)	(126)	(28)	83	(153)	(184)	173	194	458	541	259	358	338	378	512	531	543	567	531	565	647	743	753	708	684	593	509	499	409	(152)	(79)	598	548	858	314	237	716	315	536
Cash Taxes Paid	395	284	302	335	342	356	348	366	373	365	370	415	390	426	393	350	394	400	482	567	689	675	833	915	764	793	583	423	444	464	472	488	495	520	567	601	622	608	575	593	576	550	625	578	561	593	571	563	605	564	530	545	509	526	575	623	635	672	695	662	619	656	720	809	853	881	849	803	816	570	707	891	675	747	977	1 147	1 079	1 234	1 349	1 177
Change in Working Capital	2 370	1 583	(61)	1 600	4 300	6 694	1 745	3 370	946	(180)	1 781	(179)	2 265	5 152	8 806	9 712	9 777	10 837	11 433	4 667	5 852	(1 248)	(9 571)	(1 589)	(7 087)	(2 510)	(529)	(3 425)	(1 152)	(3 176)	4 041	7 070	1 762	(1 453)	(7 428)	(12 971)	(15 257)	(6 072)	(1 513)	2 980	4 342	(4 187)	(9 045)	(15 620)	(10 684)	(11 310)	(3 375)	3 511	11 950	15 600	13 562	(2 999)	(7 452)	(16 166)	(20 779)	(17 155)	(19 860)	(10 516)	(5 180)	(287)	(605)	(2 327)	(6 877)	(8 754)	2 421	(8 392)	(9 738)	3 063	(28)	10 083	6 391	(2 393)	(7 983)	(2 071)	4 126	10 898	4 183	(20 207)	(21 898)	(3 784)
Cash from Operating Activities	4 370 N/A	3 124 -29%	1 162 -63%	3 410 +193%	6 189 +81%	8 697 +41%	3 803 -56%	5 431 +43%	3 118 -43%	2 022 -35%	4 019 +99%	2 157 -46%	4 604 +113%	7 822 +70%	11 529 +47%	12 516 +9%	12 675 +1%	13 684 +8%	14 239 +4%	7 450 -48%	8 715 +17%	1 606 -82%	(6 560) N/A	1 597 N/A	(3 796) N/A	949 N/A	3 053 +222%	29 -99%	2 263 +7 703%	62 -97%	7 322 +11 710%	10 407 +42%	5 080 -51%	1 909 -62%	(4 160) N/A	(9 559) -130%	(11 875) -24%	(2 680) +77%	1 963 N/A	6 340 +223%	7 804 +23%	(550) N/A	(5 330) -869%	(11 695) -119%	(6 826) +42%	(7 303) -7%	830 N/A	7 111 +757%	15 591 +119%	18 979 +22%	16 721 -12%	661 -96%	(3 719) N/A	(12 406) -234%	(17 036) -37%	(13 313) +22%	(15 945) -20%	(6 538) +59%	(1 078) +84%	3 909 N/A	3 793 -3%	2 392 -37%	(1 901) N/A	(3 707) -95%	7 526 N/A	(3 190) N/A	(4 513) -41%	8 333 N/A	5 050 -39%	14 623 +190%	9 623 -34%	1 379 -86%	(2 809) N/A	3 069 N/A	10 104 +229%	17 294 +71%	10 766 -38%	(13 132) N/A	(14 849) -13%	3 447 N/A
Investing Cash Flow
Capital Expenditures	0	(227)	(54)	(82)	0	(75)	(75)	(63)	0	(46)	(45)	(66)	0	(84)	(100)	(97)	0	0	(373)	(348)	0	(373)	(194)	(130)	0	(266)	(120)	(213)	(236)	(106)	(104)	(106)	(112)	(106)	(150)	(187)	0	(235)	(229)	(221)	0	(166)	(149)	(221)	(284)	(285)	(299)	(259)	(246)	(545)	(561)	(692)	(718)	(474)	(488)	(383)	(388)	(371)	(380)	(349)	(351)	(416)	(454)	(516)	(563)	(552)	(566)	(573)	(586)	(564)	(563)	(559)	(550)	(561)	(704)	(835)	(872)	(879)	(867)	(1 200)
Other Items	(1 140)	(1 251)	(1 268)	(1 513)	(1 884)	(3 077)	(3 156)	(3 077)	(3 504)	(1 756)	145	(1 264)	(2 844)	(4 064)	(6 762)	(5 919)	(3 571)	(3 590)	(2 283)	(1 649)	(943)	(10)	165	541	376	741	1 543	81	491	(166)	(635)	595	158	192	150	170	141	152	154	153	179	107	105	150	227	323	384	319	271	249	194	208	160	62	80	1	39	22	(8)	8	6	23	36	154	165	156	163	73	70	83	52	81	110	75	(3 008)	(3 150)	227	413	96	87
Cash from Investing Activities	(1 324) N/A	(1 478) -12%	(1 322) +11%	(1 595) -21%	(1 966) -23%	(3 152) -60%	(3 231) -3%	(3 140) +3%	(3 567) -14%	(1 802) +49%	100 N/A	(1 330) N/A	(2 910) -119%	(4 148) -43%	(6 862) -65%	(6 017) +12%	(3 669) +39%	(3 651) +0%	(2 657) +27%	(1 996) +25%	(1 290) +35%	(382) +70%	(28) +93%	411 N/A	246 -40%	475 +93%	1 423 +200%	(132) N/A	255 N/A	(272) N/A	(739) -172%	489 N/A	46 -91%	86 +87%	0 N/A	(17) N/A	(17) N/A	(83) -388%	(75) +10%	(68) +9%	(42) +38%	(59) -40%	(44) +25%	(71) -61%	(57) +20%	38 N/A	85 +124%	61 -28%	26 -57%	(295) N/A	(366) -24%	(484) -32%	(558) -15%	(412) +26%	(408) +1%	(382) +6%	(349) +9%	(349) N/A	(388) -11%	(341) +12%	(345) -1%	(393) -14%	(418) -6%	(362) +13%	(398) -10%	(396) +1%	(403) -2%	(500) -24%	(516) -3%	(481) +7%	(511) -6%	(478) +6%	(440) +8%	(486) -10%	(3 712) -664%	(3 985) -7%	(645) +84%	(466) +28%	(771) -65%	(1 113) -44%
Financing Cash Flow
Net Issuance of Common Stock	0	1	0	1	2	5	11	(488)	(486)	(475)	(481)	851	781	621	612	(220)	(150)	(15)	(175)	(234)	(356)	(344)	1 142	1 199	1 318	1 317	2	4	0	0	0	0	0	0	0	(9)	(20)	(20)	(20)	(11)	0	0	(1 320)	(1 320)	(1 320)	0	0	0	(14)	(19)	(19)	(37)	(712)	(707)	(707)	(689)	0	0	0	0	(39)	(105)	(167)	(212)	(173)	(107)	(45)	0	(20)	(20)	(20)	0	(130)	0	0	(77)	(145)	(99)	(102)	(192)
Net Issuance of Debt	(1 773)	1 029	2 085	2 049	1 898	90	2 928	2 810	2 593	2 915	57	(81)	(211)	(896)	(700)	(454)	(233)	822	71	70	(351)	(1 002)	(519)	(420)	324	(234)	(72)	(202)	(407)	199	175	219	550	3 437	4 554	5 523	5 192	2 278	1 780	1 014	2 936	4 599	4 391	6 181	8 196	7 444	5 983	1 972	(4 622)	(7 226)	(3 155)	(665)	2 545	1 596	(333)	5 679	5 272	8 257	6 280	(466)	(1 175)	1 434	(1 506)	5 506	(2 302)	3 334	3 293	(5 686)	(3 280)	(7 900)	4 023	7 052	4 862	10 495	7 410	(7 389)	(4 688)	(597)	4 270	1 661
Cash Paid for Dividends	0	(720)	(552)	(552)	0	(749)	(755)	(755)	(755)	(1 095)	(1 089)	(738)	(750)	(398)	(662)	(1 013)	(1 023)	(1 282)	(1 229)	(1 229)	(1 227)	(1 155)	(1 020)	(1 019)	(1 054)	(978)	(1 011)	(1 013)	(1 011)	(594)	(292)	(393)	(391)	(431)	(745)	(643)	(643)	(1 047)	(1 047)	(1 047)	(1 047)	(1 206)	(1 206)	(1 206)	(1 173)	(736)	(708)	(708)	(710)	(1 240)	(1 483)	(1 483)	(1 704)	(1 386)	(932)	(932)	0	(263)	(665)	(665)	0	(1 342)	(1 647)	(1 647)	0	(2 002)	(2 085)	(2 085)	(2 085)	(2 170)	(1 837)	(1 185)	(1 607)	(2 012)	(2 010)	(2 263)	(2 681)	(2 846)	(2 896)	(3 846)
Other	0	(6)	(4)	(4)	0	(4)	(3)	(3)	(3)	(2)	(4)	(4)	(9)	(17)	(17)	(19)	(24)	(22)	(46)	(50)	(52)	(51)	(34)	(34)	(23)	(18)	(12)	(7)	(7)	(9)	(8)	(8)	(9)	(8)	(9)	(9)	(8)	(8)	(6)	(6)	(6)	(6)	841	1 318	1 301	1 290	421	(67)	(70)	(145)	(145)	(157)	(155)	668	668	664	661	(102)	(101)	779	780	761	(91)	(990)	(969)	(968)	660	172	160	169	(105)	(123)	(103)	(66)	337	1 165	(173)	(1 057)	(145)	(369)
Cash from Financing Activities	(2 499) N/A	302 N/A	1 527 +406%	1 494 -2%	1 344 -10%	(658) N/A	2 181 N/A	1 564 -28%	1 349 -14%	1 343 0%	(1 517) N/A	28 N/A	(189) N/A	(690) -265%	(767) -11%	(1 706) -122%	(1 430) +16%	(497) +65%	(1 379) -177%	(1 442) -5%	(1 985) -38%	(2 551) -29%	(430) +83%	(275) +36%	564 N/A	86 -85%	(1 094) N/A	(1 218) -11%	(1 421) -17%	(400) +72%	(123) +69%	(181) -47%	151 N/A	2 999 +1 886%	3 801 +27%	4 862 +28%	4 521 -7%	1 203 -73%	707 -41%	(49) N/A	1 884 N/A	3 388 +80%	2 707 -20%	4 973 +84%	7 004 +41%	6 678 -5%	5 696 -15%	1 198 -79%	(5 415) N/A	(8 629) -59%	(4 801) +44%	(2 341) +51%	(25) +99%	172 N/A	(1 303) N/A	4 722 N/A	5 242 +11%	7 892 +51%	5 514 -30%	(352) N/A	(1 099) -212%	748 N/A	(3 411) N/A	2 658 N/A	(5 090) N/A	258 N/A	1 824 +607%	(7 599) N/A	(5 225) +31%	(9 921) -90%	2 061 N/A	5 744 +179%	3 022 -47%	8 287 +174%	5 737 -31%	(8 564) N/A	(7 687) +10%	(4 599) +40%	1 127 N/A	(2 746) N/A
Change in Cash
Effect of Foreign Exchange Rates	6	137	23	10	(29)	(48)	(45)	(37)	(6)	(11)	15	(16)	12	(48)	(47)	(11)	10	151	38	(20)	(206)	(470)	(253)	(416)	(160)	24	(115)	123	138	142	20	(116)	(295)	(430)	(133)	(33)	(103)	(59)	(322)	(326)	(69)	(34)	(187)	(256)	(351)	(361)	(34)	91	451	(97)	(348)	(313)	(1 034)	186	(150)	146	89	(493)	(60)	(641)	(673)	(334)	(198)	31	440	256	491	337	1 131	883	3	(685)	(165)	(296)	164	1 189	32	(443)	567	(861)
Net Change in Cash	553 N/A	2 085 +277%	1 390 -33%	3 319 +139%	5 538 +67%	4 839 -13%	2 708 -44%	3 818 +41%	894 -77%	1 552 +74%	2 617 +69%	839 -68%	1 517 +81%	2 936 +94%	3 853 +31%	4 782 +24%	7 586 +59%	9 687 +28%	10 241 +6%	3 992 -61%	5 234 +31%	(1 797) N/A	(7 271) -305%	1 317 N/A	(3 146) N/A	1 534 N/A	3 267 +113%	(1 198) N/A	1 235 N/A	(468) N/A	6 480 N/A	10 599 +64%	4 982 -53%	4 564 -8%	(492) N/A	(4 747) -865%	(7 474) -57%	(1 619) +78%	2 273 N/A	5 897 +159%	9 577 +62%	2 745 -71%	(2 854) N/A	(7 049) -147%	(230) +97%	(948) -312%	6 577 N/A	8 461 +29%	10 653 +26%	9 958 -7%	11 206 +13%	(2 477) N/A	(5 336) -115%	(12 460) -134%	(18 897) -52%	(8 827) +53%	(10 963) -24%	512 N/A	3 988 +679%	2 575 -35%	1 676 -35%	2 413 +44%	(5 928) N/A	(1 380) +77%	2 478 N/A	(3 072) N/A	(2 601) +15%	571 N/A	440 -23%	5 104 +1 060%	11 176 +119%	5 960 -47%	(392) N/A	10 574 N/A	12 293 +16%	5 934 -52%	2 466 -58%	(18 640) N/A	(13 926) +25%	(1 273) +91%

Income Statement Balance Sheet Cash Flow Statement

United Overseas Bank Ltd
F:UOB

Cash Flow Statement

Cash Flow Statement
United Overseas Bank Ltd

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United Overseas Bank Ltd F:UOB

Cash Flow Statement

Cash Flow Statement United Overseas Bank Ltd

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United Overseas Bank Ltd
F:UOB

Cash Flow Statement
United Overseas Bank Ltd