Financial Highlights

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Financial Highlights

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United Overseas Bank Limited
Financial Highlights
For The Full Year 2007 (Audited)

	Group
Total Assets	S$174,950 million
Customer Loans (net)	S$92,669 million
Customer Deposits	S$106,967 million
Loans/Deposits Ratio	86.6%
Shareholders' Equity	S$17,329 million
Net Profit After Tax	S$2,109 million
Earnings Per Ordinary Share (Basic)	S$1.36
Return On Average Shareholders' Equity (ROE)	12.6%
Return On Average Total Assets (ROA)	1.24%
Net Asset Value Per Ordinary Share	S$10.91

United Overseas Bank Limited
Financial Highlights
For The Full Year 2006 (Audited)

	Group
Total Assets	S$161,312 million
Customer Loans (net)	S$76,875 million
Customer Deposits	S$95,552 million
Loans/Deposits Ratio	80.5%
Shareholders' Equity	S$16,791 million
Net Profit After Tax	S$2,570 million
Earnings Per Ordinary Share (Basic)	S$1.65
Return On Average Shareholders' Equity (ROE)	17.0%
Return On Average Total Assets (ROA)	1.65%
Net Asset Value Per Ordinary Share	S$10.48

United Overseas Bank Limited
Financial Highlights
For The Full Year 2005 (Audited)

	Group
Total Assets	S$145,073 million
Customer Loans (net)	S$67,142 million
Customer Deposits	S$85,503 million
Loans/Deposits Ratio	78.5%
Shareholders' Equity	S$14,929 million
Net Profit After Tax	S$1,709 million
Earnings Per Ordinary Share (Basic)	S$1.11
Return On Average Shareholders' Equity (ROE)	12.4%
Return On Average Total Assets (ROA)	1.25%
Net Asset Value Per Ordinary Share	S$9.17

United Overseas Bank Limited
Financial Highlights
For The Full Year 2004 (Audited)

	Group
Total Assets	S$134,879 million
Customer Loans (net)	S$64,300 million
Customer Deposits	S$79,019 million
Loans/Deposits Ratio	81.4%
Shareholders' Equity	S$13,439 million
Net Profit After Tax	S$1,452 million
Earnings Per Ordinary Share (Basic)	S$0.93
Return On Average Shareholders' Equity (ROE)	10.8%
Return On Average Total Assets (ROA)	1.19%
Net Asset Value Per Ordinary Share	S$8.75

United Overseas Bank Limited
Financial Highlights
For The Full Year 2003 (Audited)

	Group
Total Assets	S$113,446 million
Customer Loans (net)	S$59,297 million
Customer Deposits	S$69,863 million
Loans/Deposits Ratio	84.9%
Shareholders' Equity	S$13,282 million
Net Profit After Tax	S$1,202 million
Earnings Per Ordinary Share (Basic)	S$0.76
Return On Average Shareholders' Equity (ROE)	9.3%
Return On Average Total Assets (ROA)	1.10%
Net Asset Value Per Ordinary Share	S$8.45

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