(Thai) Annual Report 2005 - United Overseas Bank

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Remaining periods to earlier of repricing dates or contractual maturity dates. (Unit : Million Baht) CONSOLIDATED As at 31 December 2005 Average rate Floating rate/ More Non-interest Non-accrual of return Within 3 months 3-12 months 1-5 years than 5 years bearing loans Total per annum (%) Financial assets Cash - - - - 4,934 - 4,934 - Interbank and money market items–net 8,279 624 - - 3,316 - 12,219 1.86 Securities purchased under resale agreement 1,000 - - - - - 1,000 3.95 Investments – net 2,809 2,007 3,643 210 978 - 9,647 1.23 Loans 109,180 23,503 2,600 532 3,326 20,460 159,601 4.45 Financial liabilities Deposits 124,956 17,196 4,728 - 5,696 - 152,576 0.97 Interbank and money market items 8,058 68 - - 1,381 - 9,507 0.96 Liabilities payable on demand - - - - 2,210 - 2,210 - Securities sold under repurchase agreements 100 - - - - - 100 4.09 Short–term borrowings - 3,103 - - - - 3,103 3.81 Long–term borrowings - - 2,100 - 113 - 2,213 6.50 Off–balance sheet financial instruments Interest rate contracts* - floating rate payer 9,253 5,875 - - - - 15,128 3.75 - fixed rate payer 2,477 4,362 13,208 - - - 20,047 4.07 - floating rate payee 15,489 4,479 - - - - 19,968 4.03 - fixed rate payee 1,940 3,961 9,281 - - - 15,182 3.62 *Including forward rate agreements, interest rate swap contracts and cross currency interest rate swap contracts. 94 United Overseas Bank (Thai) Public Company Limited
Remaining periods to earlier of repricing dates or contractual maturity dates. (Unit : Million Baht) CONSOLIDATED As at 31 December 2004 Average rate Floating rate/ More Non-interest Non-accrual of return Within 3 months 3-12 months 1-5 years than 5 years bearing loans Total per annum (%) Financial assets Cash - - - - 3,703 - 3,703 - Interbank and money market items – net 12,572 58 - - 1,759 - 14,389 2.01 Securities purchased under resale agreement 8,400 - - - - - 8,400 1.96 Investments – net 663 1,068 3,426 5,876 2,924 - 13,957 1.45 Loans 76,031 13,502 2,680 - 1,633 24,671 118,517 3.63 Financial liabilities Deposits 110,491 14,752 8,398 - 4,393 - 138,034 1.03 Interbank and money market items 1,954 120 - - 781 - 2,855 0.38 Liabilities payable on demand - - - - 1,816 - 1,816 - Securities sold under repurchase agreements 200 - - - - - 200 2.07 Short–term borrowings 189 311 - - - - 500 2.58 Long–term borrowings - - 2,000 - 12 - 2,012 6.46 Off-balance sheet financial instruments Interest rate swap contracts - fixed rate payer - - 5,000 - - - 5,000 3.44 - floating rate payee 4,000 1,000 - - - - 5,000 1.99 United Overseas Bank (Thai) Public Company Limited 95
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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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Report of Independent Auditor To Th
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BALANCE SHEETS (Continued) AS AT DE
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BALANCE SHEETS (Continued) AS AT DE
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STATEMENTS OF EARNINGS (Continued)
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STATEMENTS OF CHANGES IN SHAREHOLDE
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STATEMENTS OF CASH FLOWS (Continued
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Notes to Financial Statements 31 De
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Details of the assets, liabilities
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Condensed Statements of Earnings (P
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4. SIGNIFICANT ACCOUNTING POLICIES
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Fair values of securities are calcu
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Outstanding forward foreign exchang
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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 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 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
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
Page 134 and 135: Branch Networks Nong Khaem 77/207 M
Page 136 and 137: Branch Networks Siam Square (Sub Br
Page 138 and 139: Branch Networks Thanon Pracha-U-Thi
Page 140 and 141: Branch Networks Sam Chuk 225/2 Mu 2
Page 142 and 143: 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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