United Overseas Bank Limited
Group Performance Charts
2003
2004
2005
20061
2007
Total Assets
(S$ million)
113,446
134,879
145,073
161,312
174,950
Customer Loans
(Net)
(S$ million)
59,297
64,300
67,142
76,875
92,669
Net Profit After Tax (S$ million)
1,202
1,452
1,709
2,570
2,109
Earnings Per Ordinary Share (Basic) (S$)
0.76
0.93
1.11
1.65
1.36
Net Dividend Payment
(S$ million)
748
744
1,088
1,237
1,116
Dividend Cover (times)
1.61
1.95
1.57
2.08
1.89
Return On Average Shareholders' Equity (ROE) (%)
9.3
10.8
12.4
17.0
12.6
Return On Average Total Assets (ROA) (%)
1.10
1.19
1.25
1.65
1.24
NPLs2 As A Percentage Of Gross Customer Loans (%)
8.1
8.0
5.6
4.0
1.8
NPLs As A Percentage Of Total Assets (%)
4.5
4.1
2.7
2.0
1.0
Capital Adequacy Ratio (%)
15.2
15.6
16.1
16.3
14.5
Expense-To-Income Ratio (%)
34.7
37.6
37.9
35.9
41.4
1) Including one-time income / gain, comprising special dividend from Overseas Union Enterprise Limited ("OUE") and gain from divestment of OUE and Hotel Negara Limited.
2) Excluding debt securities
Note: Certain comparative figures have been restated to conform with current year's presentation.
