- Page 1: Growing with you ANNUAL REPORT 2003
- Page 5 and 6: PERFORMANCE IN BRIEF Profit for the
- Page 7 and 8: The Group has launched a ’Growth
- Page 9 and 10: FINANCIAL HIGHLIGHTS Group total in
- Page 11 and 12: Group assets 2003: $113,446 million
- Page 13 and 14: CORPORATE INFORMATION Honorary Life
- Page 15 and 16: Mr Wee Cho Yaw Chairman & Chief Exe
- Page 17 and 18: Mr Ngiam Tong Dow Age 66. Chairman
- Page 19 and 20: Mr Philip Yeo Liat Kok Age 57. Chai
- Page 21 and 22: Left to right: Mr Michael Lau Hwai
- Page 23 and 24: and responsibilities of directors u
- Page 25 and 26: The AC reviews with the internal an
- Page 27 and 28: Risk Management As the management o
- Page 29 and 30: RISK MANAGEMENT Credit and Country
- Page 31 and 32: Customer loans Loans and advances a
- Page 33 and 34: Write-off A classified account is w
- Page 35 and 36: Group NPLs and cumulative provision
- Page 37 and 38: Group specific provisions by region
- Page 39 and 40: Collateral types The majority of th
- Page 41 and 42: Group exposure by country of operat
- Page 43 and 44: Cross-border exposure to the Five R
- Page 45 and 46: Complementing the static analysis i
- Page 47 and 48: Sources of deposits The Group has a
- Page 49 and 50: The VaR calculations are performed
- Page 51 and 52: Group daily diversified VaR distrib
- Page 53 and 54:
For the implementation of all onlin
- Page 55 and 56:
Investment Centres at our branches
- Page 57 and 58:
A major project financing transacti
- Page 59 and 60:
We made significant strides in the
- Page 61 and 62:
UOBGC also further expanded its mut
- Page 63 and 64:
Our card business in Hong Kong show
- Page 65 and 66:
We adopt a flexible and modular inf
- Page 67 and 68:
(Left) Our investment in arts progr
- Page 69 and 70:
GROUP FINANCIAL REVIEW Review of Fi
- Page 71 and 72:
Review of Group performance The Gro
- Page 73 and 74:
Analysis of changes in net interest
- Page 75 and 76:
2003 2002 Variance $ million $ mill
- Page 77 and 78:
Securities analysed by issuer type
- Page 79 and 80:
Deposits Total deposits of $88,702
- Page 81 and 82:
Capital Adequacy Ratios The Capital
- Page 83 and 84:
DIRECTORS’ REPORT for the financi
- Page 85 and 86:
Directors’ contractual benefits S
- Page 87 and 88:
(f) During the financial year, the
- Page 89 and 90:
STATEMENT BY DIRECTORS for the fina
- Page 91 and 92:
CONSOLIDATED INCOME STATEMENT for t
- Page 93 and 94:
The Group The Bank Note 2003 2002 2
- Page 95 and 96:
2002 Share of Share Capital Statuto
- Page 97 and 98:
NOTES TO THE FINANCIAL STATEMENTS f
- Page 99 and 100:
The new accounting policy has been
- Page 101 and 102:
(k) Foreign currencies The measurem
- Page 103 and 104:
3 Interest income The Group 2003 20
- Page 105 and 106:
(c) Equity compensation benefits Op
- Page 107 and 108:
(b) The number of directors of the
- Page 109 and 110:
The tax charge on the results of th
- Page 111 and 112:
Deferred tax assets 2003 2002 Non-t
- Page 113 and 114:
17 Capital reserves (a) The Group 2
- Page 115 and 116:
19 Revenue reserves (a) The Group 2
- Page 117 and 118:
(c) In each financial year, a certa
- Page 119 and 120:
(a) The S$ Notes were issued at par
- Page 121 and 122:
26 Dealing securities The Group The
- Page 123 and 124:
(e) The movements in provisions are
- Page 125 and 126:
30 Investment securities (a) The Gr
- Page 127 and 128:
32 Investments in subsidiaries (a)
- Page 129 and 130:
Singapore Other Government governme
- Page 131 and 132:
Singapore Other Government governme
- Page 133 and 134:
(b) The Bank 2003 2002 Office Offic
- Page 135 and 136:
38 Derivative financial instruments
- Page 137 and 138:
(c) Derivative financial instrument
- Page 139 and 140:
42 Segment information (a) Primary
- Page 141 and 142:
Notes: (1) Segment profit before ta
- Page 143 and 144:
The Credit Committee is responsible
- Page 145 and 146:
(iv) Total non-performing loans, de
- Page 147 and 148:
The Group - 2003 Hong Singapore US
- Page 149 and 150:
Other foreign exchange exposures of
- Page 151 and 152:
The Group - 2003 Non- Over 7 Over O
- Page 153 and 154:
The Group - 2002 Non- Over 7 Over O
- Page 155 and 156:
The Group - 2003 Over 7 Over Over O
- Page 157 and 158:
The Group - 2002 Over 7 Over Over O
- Page 159 and 160:
Where quoted and observable market
- Page 161 and 162:
Percentage of paid-up capital held
- Page 163 and 164:
Percentage of paid-up capital held
- Page 165 and 166:
Percentage of paid-up capital held
- Page 167 and 168:
INVESTOR REFERENCE 7 FINANCIAL HIGH
- Page 169 and 170:
1999 1998 1997 1996 1995 1994 1993
- Page 171 and 172:
1999 1998 1997 1996 1995 1994 1993
- Page 173 and 174:
STATISTICS OF SHAREHOLDINGS as at 1
- Page 175 and 176:
CHANGES IN SHARE CAPITAL The follow
- Page 177 and 178:
OUR INTERNATIONAL NETWORK Banking S
- Page 179 and 180:
Myanmar Thailand United States of A
- Page 181 and 182:
France UOB Global Capital SARL (a s
- Page 183 and 184:
Notes to Resolutions 4, 5, 6, 9, 10
- Page 185 and 186:
PROXY FORM IMPORTANT 1 The Annual R
- Page 187 and 188:
Design and production by Citigate S