United Overseas Bank Ltd
F:UOB
Income Statement
Income Statement
United Overseas Bank Ltd
| Dec-2002 | 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 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
2 128
|
2 101
|
2 067
|
2 096
|
2 071
|
2 077
|
2 099
|
2 072
|
2 155
|
2 214
|
2 256
|
2 296
|
2 348
|
2 418
|
2 515
|
2 622
|
2 710
|
2 819
|
2 909
|
2 939
|
2 980
|
3 070
|
3 183
|
3 362
|
3 576
|
3 673
|
3 707
|
3 739
|
3 674
|
3 625
|
3 601
|
3 559
|
3 532
|
3 504
|
3 534
|
3 567
|
3 678
|
3 804
|
3 871
|
3 926
|
3 917
|
3 883
|
3 917
|
3 992
|
4 120
|
4 266
|
4 375
|
4 484
|
4 558
|
4 649
|
4 738
|
4 818
|
4 926
|
5 000
|
4 997
|
4 992
|
4 991
|
5 020
|
5 166
|
5 344
|
5 528
|
5 695
|
5 881
|
6 072
|
6 220
|
6 336
|
6 447
|
6 535
|
6 562
|
6 569
|
6 372
|
6 035
|
9 142
|
6 388
|
6 830
|
8 343
|
9 640
|
9 679
|
9 595
|
9 674
|
9 656
|
|
| Interest Income |
3 711
|
3 527
|
3 448
|
3 379
|
3 294
|
3 286
|
3 311
|
3 392
|
3 661
|
3 929
|
4 248
|
4 540
|
4 882
|
5 348
|
5 897
|
6 498
|
6 962
|
7 277
|
7 469
|
7 428
|
7 371
|
7 288
|
7 050
|
6 988
|
6 855
|
6 489
|
6 098
|
5 616
|
5 159
|
4 954
|
4 904
|
4 916
|
4 994
|
5 074
|
5 226
|
5 403
|
5 641
|
5 893
|
6 052
|
6 170
|
6 202
|
6 198
|
6 262
|
6 349
|
6 508
|
6 701
|
6 856
|
7 027
|
7 189
|
7 347
|
7 525
|
7 666
|
7 826
|
8 021
|
8 129
|
8 217
|
8 291
|
8 339
|
8 518
|
8 799
|
9 077
|
9 387
|
9 889
|
10 489
|
11 141
|
11 786
|
12 252
|
12 556
|
12 557
|
12 345
|
11 629
|
9 623
|
13 676
|
8 204
|
8 829
|
12 862
|
18 787
|
22 242
|
23 199
|
23 259
|
22 369
|
|
| Interest Expense |
1 583
|
1 426
|
1 382
|
1 283
|
1 224
|
1 210
|
1 212
|
1 319
|
1 506
|
1 714
|
1 993
|
2 244
|
2 534
|
2 930
|
3 381
|
3 876
|
4 252
|
4 458
|
4 560
|
4 489
|
4 390
|
4 217
|
3 866
|
3 625
|
3 280
|
2 817
|
2 392
|
1 878
|
1 485
|
1 329
|
1 303
|
1 357
|
1 462
|
1 570
|
1 692
|
1 836
|
1 963
|
2 089
|
2 181
|
2 244
|
2 285
|
2 315
|
2 345
|
2 357
|
2 388
|
2 435
|
2 481
|
2 543
|
2 632
|
2 699
|
2 788
|
2 849
|
2 900
|
3 021
|
3 132
|
3 225
|
3 300
|
3 319
|
3 352
|
3 455
|
3 548
|
3 692
|
4 008
|
4 417
|
4 921
|
5 450
|
5 805
|
6 021
|
5 994
|
5 776
|
5 257
|
3 588
|
946
|
1 816
|
1 999
|
4 519
|
9 147
|
12 563
|
13 604
|
13 585
|
12 714
|
|
| Non Interest Income |
906
|
1 069
|
1 127
|
1 111
|
1 089
|
1 247
|
1 232
|
1 320
|
1 104
|
1 419
|
1 496
|
1 558
|
1 414
|
1 564
|
2 282
|
2 270
|
2 119
|
2 496
|
2 013
|
2 085
|
1 986
|
2 057
|
2 041
|
1 952
|
1 744
|
1 786
|
1 783
|
1 874
|
1 460
|
2 022
|
1 870
|
2 040
|
2 095
|
2 357
|
2 500
|
2 352
|
1 915
|
2 185
|
2 272
|
2 521
|
2 444
|
2 749
|
2 817
|
2 773
|
2 791
|
2 744
|
2 802
|
2 985
|
3 049
|
3 123
|
3 091
|
3 116
|
3 211
|
3 148
|
3 209
|
3 166
|
3 076
|
3 256
|
3 292
|
3 316
|
3 433
|
3 452
|
3 536
|
3 514
|
3 338
|
3 390
|
3 480
|
3 679
|
3 899
|
3 909
|
3 774
|
3 555
|
5 279
|
3 868
|
3 588
|
3 781
|
4 333
|
4 950
|
5 036
|
5 502
|
5 639
|
|
| Revenue |
3 034
N/A
|
3 169
+4%
|
3 194
+1%
|
3 208
+0%
|
3 160
-1%
|
3 324
+5%
|
3 330
+0%
|
3 392
+2%
|
3 259
-4%
|
3 634
+11%
|
3 751
+3%
|
3 855
+3%
|
3 762
-2%
|
3 982
+6%
|
4 797
+20%
|
4 892
+2%
|
4 829
-1%
|
5 315
+10%
|
4 922
-7%
|
5 024
+2%
|
4 966
-1%
|
5 128
+3%
|
5 225
+2%
|
5 315
+2%
|
5 320
+0%
|
5 459
+3%
|
5 490
+1%
|
5 613
+2%
|
5 134
-9%
|
5 647
+10%
|
5 471
-3%
|
5 599
+2%
|
5 627
+1%
|
5 861
+4%
|
6 034
+3%
|
5 919
-2%
|
5 593
-6%
|
5 989
+7%
|
6 143
+3%
|
6 447
+5%
|
6 361
-1%
|
6 632
+4%
|
6 734
+2%
|
6 765
+0%
|
6 911
+2%
|
7 010
+1%
|
7 177
+2%
|
7 469
+4%
|
7 607
+2%
|
7 772
+2%
|
7 829
+1%
|
7 934
+1%
|
8 137
+3%
|
8 149
+0%
|
8 207
+1%
|
8 159
-1%
|
8 067
-1%
|
8 275
+3%
|
8 457
+2%
|
8 659
+2%
|
8 961
+3%
|
9 148
+2%
|
9 418
+3%
|
9 587
+2%
|
9 558
0%
|
9 726
+2%
|
9 927
+2%
|
10 214
+3%
|
10 461
+2%
|
10 479
+0%
|
10 147
-3%
|
9 590
-5%
|
14 421
+50%
|
10 256
-29%
|
10 418
+2%
|
12 124
+16%
|
13 973
+15%
|
14 629
+5%
|
14 631
+0%
|
15 176
+4%
|
15 295
+1%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(465)
|
(564)
|
(587)
|
(552)
|
(362)
|
(313)
|
(178)
|
(91)
|
(209)
|
(214)
|
(193)
|
(213)
|
(174)
|
(163)
|
(183)
|
(190)
|
(181)
|
(213)
|
(259)
|
(237)
|
(300)
|
(302)
|
(401)
|
(555)
|
(807)
|
(1 096)
|
(1 381)
|
(1 458)
|
(1 121)
|
(852)
|
(439)
|
(338)
|
(474)
|
(469)
|
(513)
|
(478)
|
(523)
|
(524)
|
(533)
|
(553)
|
(476)
|
(502)
|
(472)
|
(438)
|
(429)
|
(456)
|
(531)
|
(608)
|
(635)
|
(647)
|
(649)
|
(647)
|
(672)
|
(620)
|
(629)
|
(654)
|
(594)
|
(663)
|
(682)
|
(718)
|
(727)
|
(621)
|
(531)
|
(405)
|
(393)
|
(406)
|
(367)
|
(417)
|
(435)
|
(628)
|
(973)
|
(1 554)
|
(1 937)
|
(657)
|
(589)
|
(603)
|
(822)
|
(921)
|
(782)
|
(926)
|
(1 100)
|
|
| Non Interest Expense |
(1 194)
|
(1 301)
|
(1 319)
|
(1 310)
|
(1 190)
|
(1 299)
|
(1 307)
|
(1 357)
|
(1 133)
|
(1 443)
|
(1 516)
|
(1 500)
|
(1 384)
|
(1 562)
|
(1 580)
|
(1 655)
|
(1 470)
|
(1 824)
|
(1 910)
|
(1 972)
|
(1 916)
|
(2 054)
|
(2 069)
|
(2 086)
|
(2 027)
|
(2 055)
|
(2 056)
|
(2 062)
|
(1 707)
|
(2 138)
|
(2 158)
|
(2 203)
|
(1 957)
|
(2 310)
|
(2 382)
|
(2 458)
|
(2 262)
|
(2 553)
|
(2 605)
|
(2 660)
|
(2 534)
|
(2 773)
|
(2 831)
|
(2 857)
|
(2 898)
|
(2 958)
|
(3 019)
|
(3 104)
|
(3 146)
|
(3 244)
|
(3 335)
|
(3 439)
|
(3 597)
|
(3 671)
|
(3 690)
|
(3 704)
|
(3 696)
|
(3 748)
|
(3 846)
|
(3 901)
|
(4 027)
|
(4 140)
|
(4 251)
|
(4 373)
|
(4 339)
|
(4 431)
|
(4 550)
|
(4 709)
|
(4 852)
|
(4 881)
|
(4 761)
|
(4 500)
|
(6 504)
|
(4 662)
|
(4 779)
|
(5 736)
|
(6 438)
|
(6 845)
|
(6 929)
|
(7 099)
|
(7 126)
|
|
| Pre-Tax Income |
1 376
N/A
|
1 305
-5%
|
1 288
-1%
|
1 346
+5%
|
1 608
+19%
|
1 713
+6%
|
1 845
+8%
|
1 944
+5%
|
1 917
-1%
|
1 976
+3%
|
2 042
+3%
|
2 142
+5%
|
2 204
+3%
|
2 257
+2%
|
3 034
+34%
|
3 048
+0%
|
3 179
+4%
|
3 279
+3%
|
2 754
-16%
|
2 816
+2%
|
2 750
-2%
|
2 772
+1%
|
2 755
-1%
|
2 674
-3%
|
2 485
-7%
|
2 308
-7%
|
2 053
-11%
|
2 093
+2%
|
2 306
+10%
|
2 657
+15%
|
2 874
+8%
|
3 058
+6%
|
3 197
+5%
|
3 083
-4%
|
3 140
+2%
|
2 984
-5%
|
2 808
-6%
|
2 912
+4%
|
3 005
+3%
|
3 234
+8%
|
3 351
+4%
|
3 357
+0%
|
3 431
+2%
|
3 470
+1%
|
3 584
+3%
|
3 596
+0%
|
3 627
+1%
|
3 757
+4%
|
3 825
+2%
|
3 880
+1%
|
3 844
-1%
|
3 847
+0%
|
3 869
+1%
|
3 858
0%
|
3 888
+1%
|
3 801
-2%
|
3 777
-1%
|
3 865
+2%
|
3 930
+2%
|
4 041
+3%
|
4 207
+4%
|
4 386
+4%
|
4 635
+6%
|
4 808
+4%
|
4 826
+0%
|
4 889
+1%
|
5 010
+2%
|
5 088
+2%
|
5 174
+2%
|
4 970
-4%
|
4 413
-11%
|
3 536
-20%
|
5 980
+69%
|
4 937
-17%
|
5 050
+2%
|
5 785
+15%
|
6 713
+16%
|
6 863
+2%
|
6 920
+1%
|
7 151
+3%
|
7 069
-1%
|
|
| Net Income | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(340)
|
(333)
|
(357)
|
(354)
|
(393)
|
(401)
|
(426)
|
(450)
|
(450)
|
(459)
|
(461)
|
(468)
|
(472)
|
(481)
|
(531)
|
(538)
|
(553)
|
(573)
|
(587)
|
(606)
|
(573)
|
(591)
|
(573)
|
(528)
|
(521)
|
(470)
|
(341)
|
(360)
|
(385)
|
(440)
|
(530)
|
(525)
|
(480)
|
(456)
|
(478)
|
(490)
|
(467)
|
(496)
|
(512)
|
(555)
|
(531)
|
(502)
|
(507)
|
(523)
|
(559)
|
(505)
|
(510)
|
(504)
|
(561)
|
(604)
|
(616)
|
(629)
|
(649)
|
(674)
|
(666)
|
(646)
|
(669)
|
(714)
|
(733)
|
(751)
|
(800)
|
(809)
|
(827)
|
(846)
|
(805)
|
(793)
|
(822)
|
(818)
|
(813)
|
(807)
|
(717)
|
(606)
|
(1 033)
|
(850)
|
(960)
|
(1 202)
|
(1 218)
|
(1 138)
|
(1 208)
|
(1 092)
|
(1 096)
|
|
| Income from Continuing Operations |
1 035
|
971
|
931
|
993
|
1 216
|
1 311
|
1 419
|
1 495
|
1 466
|
1 517
|
1 581
|
1 673
|
1 731
|
1 776
|
2 503
|
2 510
|
2 625
|
2 705
|
2 166
|
2 209
|
2 177
|
2 181
|
2 182
|
2 146
|
1 964
|
1 838
|
1 712
|
1 733
|
1 921
|
2 217
|
2 344
|
2 533
|
2 717
|
2 627
|
2 662
|
2 494
|
2 341
|
2 416
|
2 493
|
2 679
|
2 821
|
2 856
|
2 925
|
2 948
|
3 025
|
3 091
|
3 117
|
3 253
|
3 264
|
3 276
|
3 228
|
3 218
|
3 220
|
3 184
|
3 222
|
3 155
|
3 108
|
3 151
|
3 197
|
3 290
|
3 407
|
3 577
|
3 808
|
3 962
|
4 021
|
4 096
|
4 188
|
4 270
|
4 362
|
4 164
|
3 697
|
2 930
|
4 947
|
4 087
|
4 090
|
4 583
|
5 495
|
5 725
|
5 712
|
6 059
|
5 973
|
|
| Income to Minority Interest |
(29)
|
(19)
|
(15)
|
(10)
|
(13)
|
(15)
|
(14)
|
(18)
|
(15)
|
(16)
|
(19)
|
(20)
|
(22)
|
(33)
|
(37)
|
(43)
|
(55)
|
(56)
|
(65)
|
(70)
|
(67)
|
(59)
|
(44)
|
(35)
|
(27)
|
(22)
|
(26)
|
(21)
|
(19)
|
(24)
|
(20)
|
(21)
|
(21)
|
(19)
|
(20)
|
(18)
|
(14)
|
(13)
|
(13)
|
(14)
|
(17)
|
(18)
|
(17)
|
(17)
|
(17)
|
(17)
|
(18)
|
(17)
|
(15)
|
(14)
|
(12)
|
(12)
|
(11)
|
(11)
|
(10)
|
(10)
|
(12)
|
(12)
|
(14)
|
(14)
|
(16)
|
(15)
|
(15)
|
(15)
|
(13)
|
(15)
|
(15)
|
(15)
|
(18)
|
(15)
|
(14)
|
(15)
|
(21)
|
(12)
|
(8)
|
(10)
|
(15)
|
(14)
|
(15)
|
(14)
|
(11)
|
|
| Net Income (Common) |
1 006
N/A
|
953
-5%
|
916
-4%
|
983
+7%
|
1 202
+22%
|
1 297
+8%
|
1 405
+8%
|
1 477
+5%
|
1 452
-2%
|
1 500
+3%
|
1 562
+4%
|
1 653
+6%
|
1 709
+3%
|
1 743
+2%
|
2 467
+42%
|
2 467
+0%
|
2 524
+2%
|
2 603
+3%
|
2 055
-21%
|
2 093
+2%
|
2 068
-1%
|
2 080
+1%
|
2 096
+1%
|
2 069
-1%
|
1 876
-9%
|
1 756
-6%
|
1 626
-7%
|
1 652
+2%
|
1 793
+9%
|
2 084
+16%
|
2 215
+6%
|
2 403
+8%
|
2 590
+8%
|
2 502
-3%
|
2 536
+1%
|
2 370
-7%
|
2 224
-6%
|
2 300
+3%
|
2 377
+3%
|
2 562
+8%
|
2 700
+5%
|
2 734
+1%
|
2 804
+3%
|
2 793
0%
|
2 905
+4%
|
3 022
+4%
|
3 047
+1%
|
3 201
+5%
|
3 147
-2%
|
3 159
+0%
|
3 113
-1%
|
3 101
0%
|
3 104
+0%
|
3 067
-1%
|
3 124
+2%
|
3 078
-1%
|
3 004
-2%
|
3 066
+2%
|
3 091
+1%
|
3 183
+3%
|
3 288
+3%
|
3 459
+5%
|
3 691
+7%
|
3 845
+4%
|
3 897
+1%
|
3 971
+2%
|
4 062
+2%
|
4 143
+2%
|
4 246
+2%
|
4 050
-5%
|
3 585
-11%
|
2 824
-21%
|
2 011
-29%
|
4 003
+99%
|
4 010
+0%
|
4 497
+12%
|
5 404
+20%
|
5 597
+4%
|
5 584
0%
|
5 952
+7%
|
5 868
-1%
|
|
| EPS (Diluted) |
0.64
N/A
|
0.61
-5%
|
0.59
-3%
|
0.63
+7%
|
0.76
+21%
|
0.83
+9%
|
0.9
+8%
|
0.95
+6%
|
0.93
-2%
|
0.96
+3%
|
1
+4%
|
1.06
+6%
|
1.11
+5%
|
1.17
+5%
|
1.65
+41%
|
1.61
-2%
|
1.65
+2%
|
1.72
+4%
|
1.34
-22%
|
1.37
+2%
|
1.36
-1%
|
1.37
+1%
|
1.39
+1%
|
1.37
-1%
|
1.24
-9%
|
1.16
-6%
|
1.07
-8%
|
1.09
+2%
|
1.19
+9%
|
1.37
+15%
|
1.45
+6%
|
1.57
+8%
|
1.69
+8%
|
1.63
-4%
|
1.61
-1%
|
1.52
-6%
|
1.42
-7%
|
1.46
+3%
|
1.51
+3%
|
1.63
+8%
|
1.71
+5%
|
1.73
+1%
|
1.78
+3%
|
1.77
-1%
|
1.84
+4%
|
1.91
+4%
|
1.91
N/A
|
2
+5%
|
1.97
-2%
|
1.97
N/A
|
1.95
-1%
|
1.94
-1%
|
1.93
-1%
|
1.91
-1%
|
1.85
-3%
|
1.88
+2%
|
1.85
-2%
|
1.87
+1%
|
1.86
-1%
|
1.91
+3%
|
1.98
+4%
|
2.09
+6%
|
2.23
+7%
|
2.32
+4%
|
2.33
+0%
|
2.38
+2%
|
2.43
+2%
|
2.48
+2%
|
2.54
+2%
|
2.42
-5%
|
2.14
-12%
|
1.68
-21%
|
1.19
-29%
|
2.38
+100%
|
2.39
+0%
|
2.68
+12%
|
3.22
+20%
|
3.33
+3%
|
3.32
0%
|
3.54
+7%
|
3.52
-1%
|
|