Creating Long-term Value Across Our Franchise

Our Purpose

We harness the strength of our fundamentals and draw upon our experience and expertise in support of our customers wherever they are. We help our customers grow their wealth, manage their businesses and seize opportunities across the region with purposeful financial solutions and insightful advisory. Our strength and stability mean that our stakeholders can count on us through economic cycles. We appreciate the importance of deep relationships and remain committed to the progress of the economies and communities in which we operate.

In this way, we create value for all our stakeholders – now and for the future.

Our Values

Our time-tested values shape our thinking and behaviour.


We act prudently to fuel our customers’ success and maintain the highest standards in all we do.


We possess a forward-looking mindset and provide deep insight, taking the initiative to find solutions.


We reach our corporate and individual goals through cooperation, mutual respect and loyalty.


We hold ourselves accountable for ensuring that UOB remains a source of stability, security and strength.

Our Fundamentals

These strengths distinguish UOB within the industry and when combined, make us unique.

Asian heritage and Southeast Asian roots

Our Asian perspective, honed over time, gives us a strong appreciation of what is unique to ASEAN, and the needs of our customers and their businesses.

Established and integrated network

Our integrated and unparalleled Southeast Asian network and extensive global presence allow us to provide a consistent quality of experience.

Deep pool of talent and experience

Our people are widely recognised for their experience and expertise. We are steadfast in nurturing relationships with customers and with our colleagues across generations.

Strong credit ratings, capital and funding base

Our disciplined and measured approach in maintaining a robust capital position and strong balance sheet has consistently earned us top credit ratings.

Robust risk management and corporate governance

Our commitment to good governance and informed risk decision-making enables us to grow sustainably.

Our Expertise

We build on our fundamentals to provide solutions with the right balance of prudence and enterprise for our customers.

Deep in-country knowledge

Our understanding of each local business environment enables us to help our customers manage their finances, from simple to complex, and within and across borders.

of colleagues in our key markets are local
Seamless connectivity

Our network connects our customers across Southeast Asia and to the rest of world. Combined with our in-country expertise and astute market insights, we are best-positioned to help our customers unlock the region’s potential.

branches and offices across our key regional markets
Dedicated professionals

Led by the vision and experience of our leadership, our high-calibre people are committed to advise and to act in the best interests of our customers. We are there for them when it matters, just as we are for our colleagues.

years of industry experience our senior management have on average
Dependability for the long term

Our financial stability enables us to be agile in responding to our customers’ needs through changing economic cycles and to seize opportunities as they arise.

proforma Common Equity Tier 1 Capital Adequacy Ratio
Sound and sustainable model

Our sound risk management and governance culture ensures that we always provide appropriate solutions for our customers that best suit their needs and our risk appetite.

total Liquidity Coverage Ratio (average quarter-to-date)

Our Customer-focused Business

We draw upon our expertise for the benefit of our customers, focusing on what is relevant to their personal or business needs.
Group Retail

Our strong customer relationships are founded on our intimate understanding of who they are, what they hold precious and what influences their lives.

We focus on their financial present and future. To help them reach their goals, we offer a purposeful and broad range of products and services that help them plan, save, spend and invest wisely.

We do so in ways that best suit their lifestyles and preferences.

Group Wholesale Banking and
Global Markets and Investment Management

Our deep client relationships are based on the premise that we care for our clients’ businesses as if they were our own.

We offer the experience and expertise from across the Group to provide them with comprehensive and customised banking and financial risk management services.

Through our seamless, cross-border banking solutions and on-the-ground coverage, we support our clients as they manage and expand their businesses across Asia.

Our Value Creation


Serving the long-term interests of our investors by delivering stable and sustainable returns.

five-year total annualised shareholder return


Building meaningful careers and nurturing people as we develop deeper relationships with customers.

of employees promoted


Making a difference in the lives of our stakeholders and the communities in which we operate.

employee hours spent on community initiatives


Complying with regulations and being a responsible member of the financial services industry.