(Thai) Annual Report 2005 - United Overseas Bank

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15. CLASSIFIED ASSETS (Unit : Million Baht) THE BANK ONLY As at 31 December 2005 Properties Investments Loans* foreclosed Other assets Total Classifications Pass - 137,828 - 13 137,841 Special mention - 5,311 - 1 5,312 Substandard - 1,555 - 4 1,559 Doubtful - 1,027 - 35 1,062 Doubtful of loss 2,367 14,199 367 635 17,568 Total 2,367 159,920 367 688 163,342 (Unit : Million Baht) THE BANK ONLY As at 31 December 2004 Properties Investments Loans* foreclosed Other assets Total Classifications Pass - 96,394 - 11 96,405 Special mention - 2,685 - 1 2,686 Substandard - 1,392 - 40 1,432 Doubtful - 587 - 26 613 Doubtful of loss 508 16,983 325 854 18,670 Total 508 118,041 325 932 119,806 * Including interbank and money market loans and excluding accrued interest receivable of non-performing loan, which is grouped under other assets. 72 United Overseas Bank (Thai) Public Company Limited
16. DEPOSITS 16.1 Classified by types of deposits (Unit : Million Baht) CONSOLIDATED THE BANK ONLY As at 31 December As at 31 December 2005 2004 2005 2004 Current accounts 5,696 4,381 5,696 4,385 Savings accounts 85,442 72,377 85,448 72,416 Fixed deposits - Less than 6 months 31,518 33,704 31,539 33,704 - 6 months to less than 1 year 10,490 3,270 10,490 3,270 - Over 1 year 19,430 24,302 19,430 24,302 Total 152,576 138,034 152,603 138,077 16.2 Classified by the remaining period of contracts (Unit : Million Baht) CONSOLIDATED THE BANK ONLY As at 31 December As at 31 December 2005 2004 2005 2004 Not over 1 year 147,848 131,000 147,875 131,043 Over 1 year 4,728 7,034 4,728 7,034 Total 152,576 138,034 152,603 138,077 16.3 Classified by currencies and residential status of depositors (Unit : Million Baht) CONSOLIDATED As at 31 December 2005 As at 31 December 2004 Domestic Overseas Total Domestic Overseas Total Baht 148,454 2,786 151,240 134,140 2,644 136,784 US Dollar 793 205 998 651 223 874 Others 104 234 338 99 277 376 Total 149,351 3,225 152,576 134,890 3,144 138,034 United Overseas Bank (Thai) Public Company Limited 73
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United Overseas Bank (Thai) Public
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Financial Highlights (consolidated
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two banks were realized. Excluding
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The Thai Economy in 2005 and the Ou
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Management Discussion and Analysis
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Page 18 and 19:
Page 20 and 21:
Report of Independent Auditor To Th
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BALANCE SHEETS (Continued) AS AT DE
Page 24 and 25: 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 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 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 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
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Corporate Governance 11. Mr. Lee Ts
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Management Structure The committee
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Management Structure Financial Rest
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Management Structure The committee
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Branch Networks HEAD OFFICE Sathon
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Branch Networks Nong Khaem 77/207 M
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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
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Referred Persons Auditor Miss Ratan
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Company Information Credit Ratings
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(Thai) Annual Report 2005 - United Overseas Bank

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