(Thai) Annual Report 2005 - United Overseas Bank

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(Thai) Annual Report 2005 - United Overseas Bank

Financial Highlights

(consolidated basis)

THB million

Statutory

Financial Statements

(Audited)

Pro-forma*

Unaudited

2005 2004 2003 2005 2004

Balance sheet

Assets 196,692 163,862 170,514 196,692 216,867

Loans 159,601 118,517 122,141 159,601 160,745

Allowance for doubtful accounts and allowance

for loss on trouble debt restructuring 10,922 14,016 15,440 10,922 14,744

Deposits 152,576 138,034 141,981 152,576 170,135

Liabilities 173,284 148,627 155,916 173,284 194,366

Shareholders’ equity 23,408 15,235 14,597 23,408 22,502

Capital funds 24,775 16,326 16,046 24,775 23,732

Earnings performance

Net interest income 4,660 4,131 3,846 6,476 5,975

Non-interest income 2,782 2,870 2,603 3,059 3,385

Net profit (loss) 954 761 1,818 1,238 922

Ratios (%)

Net interest income to average assets 2.58 2.47 2.32 3.13 2.69

Return on average assets 0.53 0.46 1.10 0.60 0.42

Return on average equity 4.94 5.10 13.81 5.39 4.47

Earning (loss) per share - Basic (Baht) 0.17 0.15 0.36 0.22 0.18

Book value per share (Baht) 2.85 2.99 2.86 2.85 n.a.

Capital adequacy ratio 15.96 14.56 13.31 15.96 16.57

Note : * Summation of UOBR and BOA as if it is one single entity in 2005 and 2004

United Overseas Bank (Thai) Public Company Limited 3

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