UOB Annual Report 2002 - United Overseas Bank
UOB Annual Report 2002 - United Overseas Bank
UOB Annual Report 2002 - United Overseas Bank
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Risk Management<br />
Group NPLs by Industry<br />
Group NPLs by industry were as follows:<br />
31.12.02 30.6.02 31.12.01 31.12.00<br />
Amount As % of Amount As % of Amount As % of Amount As % of<br />
($ million) Gross ($ million) Gross ($ million) Gross ($ million) Gross<br />
Customer Customer Customer Customer<br />
Industry Type Loans Loans Loans Loans<br />
––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––<br />
Transport, storage and<br />
communication 124 6.0 99 4.9 99 4.3 66 9.3<br />
Building and construction 843 9.2 1,108 11.5 1,163 12.0 243 6.8<br />
Manufacturing 874 16.2 906 16.3 895 16.8 312 10.5<br />
Non-bank financial institutions 1,029 9.5 1,076 9.8 1,022 9.5 447 9.0<br />
General commerce 769 12.4 761 12.1 825 13.1 569 14.8<br />
Professionals and<br />
private individuals 1,014 10.9 1,006 11.0 939 9.9 408 9.7<br />
Housing loans 668 4.8 588 4.3 556 4.2 272 3.6<br />
Others 294 5.3 404 7.6 445 6.4 145 3.8<br />
––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––<br />
Sub-Total 5,615 9.0 5,948 9.5 5,944 9.3 2,462 7.8<br />
Debt securities 64 23 24 –<br />
––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––<br />
Total 5,679 5,971 5,968 2,462<br />
––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––<br />
Group Specific Provision by Loan Classification<br />
About 77.6% of specific provision made for expected loan losses was for 'Loss' accounts. The<br />
specific provision for each classified loan grade is shown in the following chart:<br />
Specific Provision by Loan Classification<br />
2100<br />
1800<br />
1500<br />
1,899<br />
162<br />
272<br />
1,975<br />
189<br />
232<br />
2,079<br />
172<br />
294<br />
$ million<br />
1200<br />
900<br />
600<br />
896<br />
42<br />
113<br />
1,465<br />
1,554<br />
1,613<br />
300<br />
741<br />
0<br />
31.12.00 31.12.01 30.6.02 31.12.02<br />
• Loss NPLs • Doubtful NPLs • Substandard NPLs<br />
32
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