Revenue distribution by industry:

• Retail Banking: approx. 40%
• Wholesale Banking: approx. 35%
• Global Markets and Investment Banking: approx. 15%
• Asset Management and other services: approx. 10%

Top 3 markets:

• Singapore: approx. 50%
• Malaysia: approx. 20%
• Thailand: approx. 15%

United Overseas Bank Limited (UOB) generates the majority of its revenue from Retail Banking, followed by Wholesale Banking. The main market is Singapore, which is not surprising given the bank's market leadership and strong economic presence there. Malaysia and Thailand are also significant markets that have been strengthened through strategic expansions and acquisitions.

Production Sites: Mainly in Singapore

United Overseas Bank Limited (UOB) is primarily active in the banking sector and does not produce physical products in the traditional sense. As a financial institution, UOB offers banking services that are primarily developed and provided in Singapore. However, the bank also has branches and subsidiaries in various Asian countries, including Malaysia, Thailand, Indonesia, and China, where it customizes and provides its services locally.

Since UOB does not operate production facilities in the classical sense, the focus is on providing financial services and developing digital products and services that are managed from its main locations.

Strategy for Future Growth:

1. Digitization and Technology Investments: United Overseas Bank Limited (UOB) is increasingly focusing on the digitization of its services. This includes investments in digital platforms and technologies to enhance customer experience and enable more efficient banking processes.

2. Regional Expansion in Southeast Asia: UOB plans to further expand its presence in emerging markets in Southeast Asia. The focus is on countries such as Vietnam, Indonesia, and Thailand, where there is high growth potential in the banking sector.

3. Sustainable Financial Solutions: The bank places a strong emphasis on sustainable financial products and services. UOB is developing green financing options and supporting projects that promote environmental and social responsibility.

These strategic initiatives are intended to help UOB strengthen its market position and secure long-term growth. The combination of technological innovation, regional expansion, and sustainable practices aims to attract new customers and deepen existing relationships.

Main imported raw materials/materials: Financial services do not require physical raw materials.

Main importing countries: Not applicable.

United Overseas Bank Limited (UOB) is a leading bank in Singapore that offers financial services. As a financial institution, UOB does not import physical raw materials or materials, as its business model is based on banking services such as lending, asset management, and investment banking.

If you are looking for information on UOB's investments or financial engagements in commodity markets or companies, this would be a different question focusing on the analysis of investment portfolios and financial reports.

Market share in Singapore: approx. 15% (2024) Return on equity (ROE): 11.5% (2024) Cost efficiency (cost-to-income ratio): 44% (2024)

United Overseas Bank Limited (UOB) has a significant competitive advantage, especially in its home market of Singapore. With a market share of around 15%, it is one of the leading banks in the country. This strong market position allows UOB to benefit from economies of scale and offer its services efficiently.

The return on equity of 11.5% shows that UOB is able to effectively utilize its resources to generate profits. This is an indicator of solid financial health and the ability to create shareholder value.

The cost-to-income ratio of 44% indicates high cost efficiency, giving UOB an advantage over less efficient competitors. This efficiency enables the bank to offer competitive prices while maintaining its profit margins.

In summary, UOB has a clear competitive advantage in the region due to its strong market position, efficient operations, and solid financial performance.

Institutional investor share: approx. 45% (estimated for 2025 based on historical trends)

Insider purchases/sales: No significant transactions known (2025)

The institutional investor share in United Overseas Bank Limited typically ranges from about 40-50%, based on the latest available data. These investors include large financial institutions, investment funds, and pension funds seeking long-term holdings.

In 2025, no significant insider purchases or sales are known, indicating a stable assessment of the company's value by management and other insiders. Such transactions are often seen as an indicator of confidence in the company's future development.

Market share of United Overseas Bank Limited (UOB): 15% (estimated, 2025)

Top competitors and their market shares:

1. DBS Group Holdings Ltd: 30%
2. Oversea-Chinese Banking Corporation (OCBC): 25%
3. United Overseas Bank Limited (UOB): 15%
4. Standard Chartered Bank (Singapore): 10%
5. HSBC Singapore: 8%
6. Citi Singapore: 6%
7. Maybank Singapore: 4%
8. Bank of China Singapore: 2%

Moat of UOB:

United Overseas Bank Limited has a significant moat resulting from its strong regional presence and established network in Southeast Asia. UOB has a solid customer base and offers a wide range of financial services ranging from retail banking to corporate financing. This enables the company to generate stable revenue streams.

Compared to its competitors like DBS and OCBC, which also offer strong regional networks and comprehensive services, UOB has a comparable, but not necessarily superior moat. DBS has the advantage of a stronger technological infrastructure and innovation capabilities, while OCBC strengthens its market position through strategic partnerships and acquisitions.

Overall, UOB has a solid, but not insurmountable moat. Competition in Singapore is intense, and banks must continuously invest in technology and customer service to maintain or expand their market position.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity (ROE): 11.5% (2024) Credit Growth: 6.7% (2024)

United Overseas Bank Limited (UOB) recorded solid revenue growth of 8.5% in 2024, attributed to strong credit demand and effective cost control. The profit growth of 10.2% indicates that the company was able to increase its profitability, suggesting efficient use of its resources.

The return on equity of 11.5% is an indicator of the bank's ability to generate profits from its equity and is at a solid level compared to many competitors. This speaks to effective corporate management and good capital allocation.

The credit growth of 6.7% shows that UOB is able to expand and attract new customers in a competitive market environment. This is a positive sign for the bank's future profitability.

Overall, these indicators suggest that UOB is well positioned to continue to be successful. The bank demonstrates strong financial performance and has good growth opportunities, making it a potentially attractive investment.

Dividend Yield: 4.5% (estimated for 2025)
Dividend History: Continuous payout over the last 5 years

United Overseas Bank Limited (UOB) is known for its reliable dividend policy. In recent years, the bank has consistently distributed dividends, indicating stable financial health and a solid earnings position.

The dividend yield of approximately 4.5% in 2025 shows that UOB continues to strive to offer attractive returns to its shareholders. This reliability in distribution is a positive signal for investors who rely on regular income from their investments.