U11.SI
SGX50SESUnited Overseas Bank Limited
Financial Services · Banks - Regional · Singapore
United Overseas Bank Limited, together with its subsidiaries, provides banking products and services worldwide. It operates through three segments: Group Retail, Group Wholesale Banking, and Global Markets. The company offers deposit products; loan products, including overdraft, cash credit, short term, and long-term loans; and buyers credit, structured trade finance, ECBs, SGD bonds, loan syndication, and M and A services. It provides forex, documentary collection, credit, export and import finance services. In addition, the company offers inward and outward remittances, FX spot and forward, current account, and time deposit services; letter of credit advising and negotiation/discounting services; and import and export services comprising of inward and outward bill collection services, bank guarantee, as well as standby letter of credit. Further, it provides interest rate, credit, commodities, equities, and structured investment products; private, commercial and corporate, and investment banking services; and is involved in property, insurance, and investment management activities. Additionally, the company offers corporate finance, treasury, futures broking, asset management, venture capital management, insurance, stockbroking, cash management, and wealth management services; and engages in capital market, credit card, and private residential home loan businesses. The company was incorporated in 1935 and is headquartered in Singapore.
www.uobgroup.com ↗Shares trade at a low 14.6× trailing earnings, easing to 11.1× on forward estimates. Profitability shows a net margin of 39.8% and return on equity of 9.2%. Debt/equity stands at 1.10×. Revenue grew -4.4% year-on-year. It yields 3.5% in dividends. The mean analyst target of SGD39.07 sits 2.9% below the current price (Hold, 14 analysts).
business model
United Overseas Bank (UOB) is one of Singapore's three major banks, providing commercial and consumer banking across a Southeast Asia-centric network spanning Singapore, Malaysia, Thailand, Indonesia, Vietnam and Greater China. It earns primarily from net interest income on loans and deposits plus fee and trading income, reporting in SGD.
revenue segments
Key segments are Group Retail (consumer and SME banking, cards, wealth), Group Wholesale Banking (corporate and institutional lending, transaction banking), and Global Markets (treasury, trading, FX). Geographically Singapore is the largest contributor, complemented by growing ASEAN franchises boosted by the acquired Citigroup consumer businesses in Malaysia, Thailand, Vietnam and Indonesia.
key dependencies
Performance depends on net interest margins and the interest-rate cycle, loan growth, asset quality across ASEAN, and wealth management/fee flows. It relies on a stable low-cost deposit base and healthy capital ratios.
competitors
Direct rivals are Singapore peers DBS and OCBC, along with regional and international banks such as Maybank, CIMB, Standard Chartered and HSBC operating across ASEAN.
moat
Its moat rests on a strong Singapore deposit franchise, an integrated regional ASEAN network that supports cross-border trade and connectivity flows, brand trust, and scale advantages in a concentrated three-bank domestic market.
risks
Risks include interest-rate and margin pressure, credit losses in ASEAN and commercial real estate, exposure to Greater China property and macro slowdowns, currency translation, and integration of acquired portfolios.
Financials & metrics
as of 04 Jul 2026Tap any metric for an explanation.● provider● computedN/A not available from source
Dividends
This company does not currently pay a dividend.
Analyst assessment
as of 04 Jul 2026Aggregate consensus only. Named per-analyst targets require a premium source and are not shown; the data model is ready to hold them if one is added.