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ANNUAL REPORT 2002 United for Growt
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Our Mission To be a premier bank in
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Performance in Brief Profit For The
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Profit growth was derived mainly fr
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Financial Highlights Group Assets 2
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Group Return On Average Shareholder
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Corporate Information Honorary Life
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Left to right: Koh Beng Seng, Ngiam
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Left to right: Tan Kok Quan, Prof L
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Mr Francis Lee Chin Yong Managing D
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The Bank has a budget for directors
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independent and non-executive direc
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work of each of the banking subsidi
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Risk Management Credit and Country
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The composition of loans and advanc
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Group Non-Performing Loans (NPLs) a
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Group NPLs and Cumulative Provision
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Group Specific Provision by Region
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Collateral Types The majority of th
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Exposure to the Five Regional Count
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Cross-Border Exposure to the Five R
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Complementing the static analysis i
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Sources of Deposits The Group has a
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The VaR calculations are performed
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Group Daily VaR Distribution for 20
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As part of the Group's comprehensiv
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The celebratory light-up linking UO
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services so as to meet the increasi
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Our subsidiary, UOB Asset Managemen
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Grow our services In line with the
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exercise, achieved well ahead of th
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processes in place that will suppor
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Group Financial Review Review of Fi
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Group Profits The Group achieved a
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Analysis of Changes in Net Interest
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Cost Savings from Integration The G
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Overview of Balance Sheet Assets Mi
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Gross Customer Loans Analysed by Cu
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Capital Adequacy Ratios The Capital
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Directors’ Report for the financi
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In addition, the following subsidia
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Arrangements to Enable Directors to
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Ability to Meet Obligations No cont
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Share Options of the Bank (a) From
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(d) (e) (f) No options have been gr
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Statement by Directors for the fina
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Income Statements for the financial
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The Group The Bank Note 2002 2001 2
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The Group 2001 Non- Share of Share
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The Bank 2001 Non- Share Share Dist
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Notes to the Financial Statements f
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(e) Investments (i) Singapore Gover
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(k) Derivative Financial Instrument
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4 Interest Expense The Group The Ba
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(c) Equity Compensation Benefits Op
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11 Directors’ Fees and Other Remu
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14 Tax (a) The tax charge to the in
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2002 2001 Fair Value of Depreciable
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Deferred tax assets and liabilities
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- Page 121 and 122: 19 Revenue Reserves (a) The Group 2
- Page 123 and 124: (c) The interim dividend paid in sp
- Page 125 and 126: 23 Debts Issued The Group The Bank
- Page 127 and 128: (b) Included in other government tr
- Page 129 and 130: (c) Total gross trade bills and adv
- Page 131 and 132: 29 Other Assets The Group The Bank
- Page 133 and 134: 32 Investments in Subsidiaries (a)
- Page 135 and 136: 33 Movements in the Provisions for
- Page 137 and 138: 34 Fixed Assets (a) The Group 2002
- Page 139 and 140: (e) Certain freehold and leasehold
- Page 141 and 142: 39 Derivative Financial Instruments
- Page 143 and 144: (c) Derivative financial instrument
- Page 145 and 146: The Group - 2001 Individual Institu
- Page 147 and 148: (b) Secondary Reporting Format - Ge
- Page 149 and 150: Discussions on the main financial r
- Page 151 and 152: The Group - 2002 Hong Singapore US
- Page 153 and 154: Other foreign exchange exposures of
- Page 155 and 156: The Group - 2002 Non- Over 7 Over O
- Page 157 and 158: The Group - 2001 Non- Over 7 Over O
- Page 159 and 160: The Group - 2002 Over 7 Over Over O
- Page 161 and 162: The Group - 2001 Over 7 Over Over O
- Page 163 and 164: Where quoted and observable market
- Page 165 and 166: Percentage of Paid-Up Capital Held
- Page 167 and 168: Percentage of Paid-Up Capital Held
- Page 169: Percentage of Paid-Up Capital Held
- Page 173 and 174: 1998 1997 1996 1995 1994 1993 1992
- Page 175 and 176: 1998 1997 1996 1995 1994 1993 1992
- Page 177 and 178: Statistics of Shareholdings as at 1
- Page 179 and 180: Changes in Share Capital The follow
- Page 181 and 182: Our International Network Banking S
- Page 183 and 184: United Overseas Bank (Malaysia) Bhd
- Page 185 and 186: UOB Venture Management (Shanghai) C
- Page 187 and 188: Notes to Resolutions 4, 6, 7, 8, 9,
- Page 189: Notes: 1 Please insert the number o