(Thai) Annual Report 2005 - United Overseas Bank

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BALANCE SHEETS (Continued) AS AT DECEMBER 31, 2005 AND 2004 (Unit : Baht) CONSOLIDATED THE BANK ONLY Note 2005 2004 2005 2004 OFF-BALANCE SHEET ITEMS - CONTINGENCIES AND COMMITMENTS 25.1 Avals to bills and guarantees of loans 1,187,264,446 871,116,858 1,187,264,446 871,116,858 Liabilities under unmatured import bills 1,420,576,526 1,362,973,173 1,420,576,526 1,362,973,173 Letters of credit 3,217,963,461 3,226,503,381 3,217,963,461 3,226,503,381 Other contingencies and commitments 123,133,474,617 67,538,818,576 123,133,474,617 67,538,818,576 (Kim Choong Wong) President & Chief Executive Officer (Lee Tse Tiong) Director & Senior Executive Vice President The accompanying notes are an integral part of the financial statements. 22 United Overseas Bank (Thai) Public Company Limited
STATEMENTS OF EARNINGS FOR THE YEARS ENDED 31 DECEMBER 2005 AND 2004 (Unit : Baht) CONSOLIDATED THE BANK ONLY Note 2005 2004 2005 2004 Interest and dividend income Loans 5,228,483,511 4,748,874,157 5,265,385,702 4,743,221,510 Interbank and money market items 500,902,379 247,943,586 498,499,798 246,525,107 Hire purchase and financial lease 191,564,891 169,102,537 - - Investments 298,481,972 727,069,033 298,041,222 722,635,283 Total interest and dividend income 6,219,432,753 5,892,989,313 6,061,926,722 5,712,381,900 Interest expenses Deposits 1,298,584,045 1,421,791,401 1,298,613,556 1,421,843,069 Interbank and money market items 83,452,523 125,209,307 87,656,634 116,628,175 Shor-term borrowings 46,398,521 12,397,723 32,223,930 - Long-term borrowings 130,934,749 202,768,735 130,934,749 202,768,735 Total interest expenses 1,559,369,838 1,762,167,166 1,549,428,869 1,741,239,979 Net interest and dividend income 4,660,062,915 4,130,822,147 4,512,497,853 3,971,141,921 Reversal of bad debts and doubtful accounts (bad debts and doubtful accounts) 386,812,656 (1,198,091,548) 390,946,545 (1,153,387,867) Net earnings interest and dividend after bad debts and doubtful accounts 5,046,875,571 2,932,730,599 4,903,444,398 2,817,754,054 Non-interest income Gains on investments 24 207,221,683 357,546,636 207,221,683 357,546,636 Loss on impairment of securities (1,741,207,353) (128,202,992) (1,741,207,353) (113,202,992) Share of profit (loss) from investments accounted for under equity method (8,035,160) 8,048,932 107,992,338 90,008,552 Fees and service income Acceptances, avals and guarantees 15,480,193 14,982,468 15,480,193 14,982,468 Others 1,607,802,316 1,571,970,374 1,455,726,022 1,446,344,074 Gains on exchange 438,101,949 333,865,446 438,101,949 333,865,446 Gains on disposal of properties foreclosed 168,062,664 85,981,442 161,822,572 84,453,289 Rental income 243,719,834 252,494,641 90,637,531 80,505,695 Other income 109,882,726 244,869,207 54,887,469 185,641,572 Total non-interest income 1,041,028,852 2,741,556,154 790,662,404 2,480,144,740 The accompanying notes are an integral part of the financial statements. United Overseas Bank (Thai) Public Company Limited 23
Page 3 and 4: United Overseas Bank (Thai) Public
Page 5 and 6: Financial Highlights (consolidated
Page 7: two banks were realized. Excluding
Page 12 and 13: The Thai Economy in 2005 and the Ou
Page 14 and 15: Management Discussion and Analysis
Page 20 and 21: Report of Independent Auditor To Th
Page 22 and 23: BALANCE SHEETS (Continued) AS AT DE
Page 26 and 27: STATEMENTS OF EARNINGS (Continued)
Page 28 and 29: STATEMENTS OF CHANGES IN SHAREHOLDE
Page 30 and 31: STATEMENTS OF CASH FLOWS (Continued
Page 32 and 33: Notes to Financial Statements 31 De
Page 34 and 35: Details of the assets, liabilities
Page 36 and 37: Condensed Statements of Earnings (P
Page 38 and 39: 4. SIGNIFICANT ACCOUNTING POLICIES
Page 40 and 41: Fair values of securities are calcu
Page 42 and 43: Outstanding forward foreign exchang
Page 44 and 45: The Bank has a gratuities scheme wh
Page 46 and 47: (Unit : Million Baht) THE BANK ONLY
Page 48 and 49: (Unit : Million Baht) CONSOLIDATED
Page 50 and 51: 8.2 Classified by the remaining per
Page 52 and 53: 8.3 Revaluation surplus on investme
Page 54 and 55: CONSOLIDATED As at 31 December 2004
Page 56 and 57: Advance CCC Services Co., Ltd. regi
Page 58 and 59: 9. LOANS AND ACCRUED INTEREST RECEI
Page 60 and 61: 9.4 Classified by types of business
Page 62 and 63: In June 2003, the Bank was subjecte
Page 64 and 65: 9.8 Troubled debt restructuring Dur
Page 66 and 67: the first portion of profits, not e
Page 68 and 69: As at 31 December 2005 and 2004, th
Page 74 and 75:
15. CLASSIFIED ASSETS (Unit : Milli
Page 76 and 77:
(Unit : Million Baht) THE BANK ONLY
Page 78 and 79:
19. BORROWINGS As at 31 December 20
Page 80 and 81:
20. OTHER LIABILITIES (Unit : Milli
Page 82 and 83:
25. COMMITMENTS AND CONTINGENCIES L
Page 84 and 85:
25.3 Other commitments The Bank has
Page 86 and 87:
Page 88 and 89:
THE BANK ONLY As at 31 December 200
Page 90 and 91:
32. FINANCIAL POSITIONS AND RESULTS
Page 92 and 93:
Results of operations for the years
Page 94 and 95:
Accounting Policies Details of sign
Page 96 and 97:
Remaining periods to earlier of rep
Page 98 and 99:
Remaining periods to earlier of rep
Page 100 and 101:
Liquidity Risk Liquidity risk is th
Page 102 and 103:
Page 104 and 105:
Estimated Fair Value of Financial I
Page 106 and 107:
(Unit : Million Baht) CONSOLIDATED
Page 108 and 109:
Fair value of off-balance sheet fin
Page 110 and 111:
Other Information 5. Piyalai Holdin
Page 112 and 113:
Other Information Name Period Exper
Page 114 and 115:
Other Information Name Education Pe
Page 116 and 117:
Other Information 3.2 Management’
Page 118 and 119:
Risk Factors and Risk Management to
Page 120 and 121:
Report of the Audit Committee The A
Page 122 and 123:
Corporate Governance UOB Thai, a su
Page 124 and 125:
Corporate Governance 11. Mr. Lee Ts
Page 126 and 127:
Management Structure The committee
Page 128 and 129:
Management Structure Financial Rest
Page 130 and 131:
Management Structure The committee
Page 132 and 133:
Branch Networks HEAD OFFICE Sathon
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Branch Networks Nong Khaem 77/207 M
Page 136 and 137:
Branch Networks Siam Square (Sub Br
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Branch Networks Thanon Pracha-U-Thi
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Branch Networks Sam Chuk 225/2 Mu 2
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Branch Networks Thanon Highway-Chia
Page 144 and 145:
Referred Persons Auditor Miss Ratan
Page 146:
Company Information Credit Ratings
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(Thai) Annual Report 2005 - United Overseas Bank

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