- Page 1 and 2: ANNUAL REPORT 2002 United for Growt
- Page 3: Our Mission To be a premier bank in
- Page 7 and 8: Profit growth was derived mainly fr
- Page 9 and 10: Financial Highlights Group Assets 2
- Page 11 and 12: Group Return On Average Shareholder
- Page 13 and 14: Corporate Information Honorary Life
- Page 15 and 16: Left to right: Koh Beng Seng, Ngiam
- Page 17 and 18: Left to right: Tan Kok Quan, Prof L
- Page 19 and 20: Mr Francis Lee Chin Yong Managing D
- Page 21 and 22: The Bank has a budget for directors
- Page 23 and 24: independent and non-executive direc
- Page 25 and 26: work of each of the banking subsidi
- Page 27 and 28: Risk Management Credit and Country
- Page 29 and 30: The composition of loans and advanc
- Page 31 and 32: Group Non-Performing Loans (NPLs) a
- Page 33 and 34: Group NPLs and Cumulative Provision
- Page 35 and 36: Group Specific Provision by Region
- Page 37 and 38: Collateral Types The majority of th
- Page 39 and 40: Exposure to the Five Regional Count
- Page 41 and 42: Cross-Border Exposure to the Five R
- Page 43 and 44: Complementing the static analysis i
- Page 45 and 46: Sources of Deposits The Group has a
- Page 47 and 48: The VaR calculations are performed
- Page 49 and 50: Group Daily VaR Distribution for 20
- Page 51 and 52: As part of the Group's comprehensiv
- Page 53 and 54: The celebratory light-up linking UO
- Page 55 and 56:
services so as to meet the increasi
- Page 57 and 58:
Our subsidiary, UOB Asset Managemen
- Page 59 and 60:
Grow our services In line with the
- Page 61 and 62:
exercise, achieved well ahead of th
- Page 63 and 64:
processes in place that will suppor
- Page 65 and 66:
Group Financial Review Review of Fi
- Page 67 and 68:
Group Profits The Group achieved a
- Page 69 and 70:
Analysis of Changes in Net Interest
- Page 71 and 72:
Cost Savings from Integration The G
- Page 73 and 74:
Overview of Balance Sheet Assets Mi
- Page 75 and 76:
Gross Customer Loans Analysed by Cu
- Page 77 and 78:
Capital Adequacy Ratios The Capital
- Page 79 and 80:
Directors’ Report for the financi
- Page 81 and 82:
In addition, the following subsidia
- Page 83 and 84:
Arrangements to Enable Directors to
- Page 85 and 86:
Ability to Meet Obligations No cont
- Page 87 and 88:
Share Options of the Bank (a) From
- Page 89 and 90:
(d) (e) (f) No options have been gr
- Page 91 and 92:
Statement by Directors for the fina
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Income Statements for the financial
- Page 95 and 96:
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
- Page 115 and 116:
2002 2001 Fair Value of Depreciable
- Page 117 and 118:
Deferred tax assets and liabilities
- Page 119 and 120:
18 Non-Distributable Reserves (a) T
- Page 121 and 122:
19 Revenue Reserves (a) The Group 2
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(c) The interim dividend paid in sp
- Page 125 and 126:
23 Debts Issued The Group The Bank
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(b) Included in other government tr
- Page 129 and 130:
(c) Total gross trade bills and adv
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29 Other Assets The Group The Bank
- Page 133 and 134:
32 Investments in Subsidiaries (a)
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33 Movements in the Provisions for
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34 Fixed Assets (a) The Group 2002
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(e) Certain freehold and leasehold
- Page 141 and 142:
39 Derivative Financial Instruments
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(c) Derivative financial instrument
- Page 145 and 146:
The Group - 2001 Individual Institu
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(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
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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 and 170:
Percentage of Paid-Up Capital Held
- Page 171 and 172:
Investor Reference Financial Highli
- 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,
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Notes: 1 Please insert the number o