About Us
Balancing Growth with Stability for the Long Term
Building and Deepening Long-term Relationships
Governance
Financial Report
Shareholder Reference
Annual Report 2020 (PDF)
Sustainability Report 2020 (PDF)
UOB Annual Report 2020

Forging a
Sustainable Future

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He Shu
Chinese ink on rice paper
69 x 91 cm
United We Stand
UOB Annual Report 2020
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United We Stand

Deputy Chairman

and CEO’s Report

"Throughout this tumultuous period, we at UOB have continued in our role to help our customers build their businesses and attain their financial goals and lifestyle needs. We believe in standing right by them to weather the crisis."
Wee Ee Cheong
Deputy Chairman and
Chief Executive Officer
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Balancing Growth with Stability
for the Long Term

Chairman’s Statement
Deputy Chairman and CEO’s Report
Generating Long-term Value
Financial Highlights
Investor Highlights
‍Providing Sustainable Returns
Award Highlights
Being Recognised for Our Efforts

Building and Deepening
Long-term Relationships

Emerging Stronger Together from COVID-19
Providing Customers with Seamless Connectivity Across Our Network
Innovating Solutions for Customers’ Life Stages and Lifestyles
Helping our Colleagues Make A Meaningful Difference

Where We Operate

>500
branches and offices
in Asia Pacific, Europe
and North America
Canada
3
USA
3
France
1
UK
1
Asia
Australia
2
Asia
Brunei
2
Hong Kong
3
India
2
Indonesia
176
Japan
2
Mainland China
22
Malaysia
49
Myanmar
2
Philippines
1
Singapore
73
South Korea
1
Taiwan
2
Thailand
153
Vietnam
5
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2020 Financial Highlights

Net Profit
$2.9billion
-33%
Operating Profit
$5.0billion
-10%
Gross Customer Loans
$281billion
+5%
Customer Deposits
$325billion
+4%
Total Assets
$423billion
+7%
Non-Performing Loan Ratio
1.6%
+0.1% pt
Net Stable Funding Ratio
125%
+14% pt
Common Equity Tier 1 Ratio
14.7%
+0.4% pt

Financial Highlights

  • Net profit after tax
    ($ million)
    Return on equity
    (%)

    Net Profit After Tax and Return on Equity

  • Net Interest income
    ($ million)
    Net Interest margin
    (%)

    Net Interest Income and Margin

  • Loan/Trade-related income
    ($ million)
    Wealth management
    income
    ($ million)
    Net credit card income
    ($ million)
    Other income
    ($ million)
    Net fee/Total income ratio (%)

    Net Fee Commission Income

  • Customer-related income
    ($ million)
    Other income
    ($ million)
    Customer-related
    income/Trading and investment income
    ratio (%)

    Trading and Investment Income

  • Staff costs
    ($ million)
    Other expenses
    ($ million)
    Cost/Income ratio
    (%)

    Operating Expenses

  • Allowances on
    impaired loans
    ($ million)
    Allowance on
    non-impaired loans
    ($ million)
    Total credit costs
    (bps)
    Credit costs on
    impaired loans
    (bps)

    Impairment Charge on Loans

Financial Highlights
Corporate Governance
Financial Highlights
Five-year Group Performance Summary
Our Corporate Milestones
Quick Links
www.uobgroup.com
Investor Relations
Full Annual Report 2020 PDF
Past Years' Annual Report
As part of our commitment towards sustainability, we would like to encourage you to view our Annual Reports electronically. Thank you for joining us on our sustainability journey.

Copyright © 2020 United Overseas Bank Limited
Company Reg. No. 193500026Z. All Rights Reserved.
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UOB Annual Report 2020

UOB Summary Annual Report 2020 (Chinese)
Financial Report
Full Financial Report
Governance
Corporate Governace
Remuneration
Risk Management
Capital Management
Pillar 3 Disclosure
Shareholder Reference
International Network
Statistic Shareholdings
Five-year Ordinary Share Capital Summary
Corporate Information
UOB Sustainability Report 2020