(Thai) Annual Report 2005 - United Overseas Bank
(Thai) Annual Report 2005 - United Overseas Bank
(Thai) Annual Report 2005 - United Overseas Bank
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STATEMENTS OF EARNINGS<br />
FOR THE YEARS ENDED 31 DECEMBER <strong>2005</strong> AND 2004<br />
(Unit : Baht)<br />
CONSOLIDATED<br />
THE BANK ONLY<br />
Note <strong>2005</strong> 2004 <strong>2005</strong> 2004<br />
Interest and dividend income<br />
Loans 5,228,483,511 4,748,874,157 5,265,385,702 4,743,221,510<br />
Interbank and money market items 500,902,379 247,943,586 498,499,798 246,525,107<br />
Hire purchase and financial lease 191,564,891 169,102,537 - -<br />
Investments 298,481,972 727,069,033 298,041,222 722,635,283<br />
Total interest and dividend income 6,219,432,753 5,892,989,313 6,061,926,722 5,712,381,900<br />
Interest expenses<br />
Deposits 1,298,584,045 1,421,791,401 1,298,613,556 1,421,843,069<br />
Interbank and money market items 83,452,523 125,209,307 87,656,634 116,628,175<br />
Shor-term borrowings 46,398,521 12,397,723 32,223,930 -<br />
Long-term borrowings 130,934,749 202,768,735 130,934,749 202,768,735<br />
Total interest expenses 1,559,369,838 1,762,167,166 1,549,428,869 1,741,239,979<br />
Net interest and dividend income 4,660,062,915 4,130,822,147 4,512,497,853 3,971,141,921<br />
Reversal of bad debts and doubtful<br />
accounts (bad debts and doubtful<br />
accounts) 386,812,656 (1,198,091,548) 390,946,545 (1,153,387,867)<br />
Net earnings interest and dividend<br />
after bad debts and doubtful<br />
accounts 5,046,875,571 2,932,730,599 4,903,444,398 2,817,754,054<br />
Non-interest income<br />
Gains on investments 24 207,221,683 357,546,636 207,221,683 357,546,636<br />
Loss on impairment of securities (1,741,207,353) (128,202,992) (1,741,207,353) (113,202,992)<br />
Share of profit (loss) from<br />
investments accounted for<br />
under equity method (8,035,160) 8,048,932 107,992,338 90,008,552<br />
Fees and service income<br />
Acceptances, avals and<br />
guarantees 15,480,193 14,982,468 15,480,193 14,982,468<br />
Others 1,607,802,316 1,571,970,374 1,455,726,022 1,446,344,074<br />
Gains on exchange 438,101,949 333,865,446 438,101,949 333,865,446<br />
Gains on disposal of properties<br />
foreclosed 168,062,664 85,981,442 161,822,572 84,453,289<br />
Rental income 243,719,834 252,494,641 90,637,531 80,505,695<br />
Other income 109,882,726 244,869,207 54,887,469 185,641,572<br />
Total non-interest income 1,041,028,852 2,741,556,154 790,662,404 2,480,144,740<br />
The accompanying notes are an integral part of the financial statements.<br />
<strong>United</strong> <strong>Overseas</strong> <strong>Bank</strong> (<strong>Thai</strong>) Public Company Limited 23
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