UTD OV. BK-LOC-ADR/1 SD 1 (UOB0) - Net Assets
Based on the latest financial reports, UTD OV. BK-LOC-ADR/1 SD 1 (UOB0) has net assets worth €51.49 Billion EUR (≈ $60.20 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€572.06 Billion ≈ $668.80 Billion USD) and total liabilities (€520.57 Billion ≈ $608.60 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Explore UTD OV. BK-LOC-ADR/1 SD 1 (UOB0) cash conversion ratio to assess how effectively this company generates cash.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €51.49 Billion |
| % of Total Assets | 9.0% |
| Annual Growth Rate | 5.7% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 1.91 |
UTD OV. BK-LOC-ADR/1 SD 1 - Net Assets Trend (2022–2025)
This chart illustrates how UTD OV. BK-LOC-ADR/1 SD 1's net assets have evolved over time, based on quarterly financial data. Explore UOB0 long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Annual Net Assets for UTD OV. BK-LOC-ADR/1 SD 1 (2022–2025)
The table below shows the annual net assets of UTD OV. BK-LOC-ADR/1 SD 1 from 2022 to 2025. For live valuation and market cap data, see UOB0 market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €51.49 Billion ≈ $60.20 Billion |
+3.07% |
| 2024-12-31 | €49.96 Billion ≈ $58.40 Billion |
+7.51% |
| 2023-12-31 | €46.47 Billion ≈ $54.33 Billion |
+6.56% |
| 2022-12-31 | €43.61 Billion ≈ $50.98 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to UTD OV. BK-LOC-ADR/1 SD 1's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 21.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €35.06 Billion | 68.41% |
| Other Components | €16.19 Billion | 31.59% |
| Total Equity | €51.25 Billion | 100.00% |
UTD OV. BK-LOC-ADR/1 SD 1 Competitors by Market Cap
The table below lists competitors of UTD OV. BK-LOC-ADR/1 SD 1 ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Siemens Healthineers AG
F:SHL
|
$37.65 Billion |
|
Quanta Computer Inc
TW:2382
|
$37.89 Billion |
|
Gold Fields Ltd DRC
BA:GFI
|
$37.97 Billion |
|
DEUTSCHE BOERSE ADR 1/10
F:63DA
|
$37.98 Billion |
|
TELSTRA GROUP LTD SP.ADR
F:5KB
|
$37.53 Billion |
|
Baidu Inc.
F:B1CB
|
$37.50 Billion |
|
AENA SME UNSP.ADR/1/10
F:A440
|
$37.50 Billion |
|
ABB PAR AB B ADR/1/2/SK 1
F:ALZ
|
$37.49 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in UTD OV. BK-LOC-ADR/1 SD 1's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 49,733,000,000 to 51,248,000,000, a change of 1,515,000,000 (3.0%).
- Net income of 4,682,000,000 contributed positively to equity growth.
- Dividend payments of 3,781,000,000 reduced retained earnings.
- Share repurchases of 770,000,000 reduced equity.
- Other factors increased equity by 1,384,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €4.68 Billion | +9.14% |
| Dividends Paid | €3.78 Billion | -7.38% |
| Share Repurchases | €770.00 Million | -1.5% |
| Other Changes | €1.38 Billion | +2.7% |
| Total Change | €- | 3.05% |
Book Value vs Market Value Analysis
This analysis compares UTD OV. BK-LOC-ADR/1 SD 1's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.57x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.88x to 1.57x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-12-31 | €25.90 | €48.60 | x |
| 2023-12-31 | €27.64 | €48.60 | x |
| 2024-12-31 | €29.75 | €48.60 | x |
| 2025-12-31 | €31.02 | €48.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently UTD OV. BK-LOC-ADR/1 SD 1 utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.14%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 33.91%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 11.16x
- Recent ROE (9.14%) is below the historical average (11.05%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 10.55% | 39.50% | 0.02x | 11.63x | €236.40 Million |
| 2023 | 12.35% | 40.98% | 0.03x | 11.33x | €1.09 Billion |
| 2024 | 12.15% | 42.26% | 0.03x | 10.81x | €1.07 Billion |
| 2025 | 9.14% | 33.91% | 0.02x | 11.16x | €-442.80 Million |
Industry Comparison
This section compares UTD OV. BK-LOC-ADR/1 SD 1's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,520,924,426,200
- Average return on equity (ROE) among peers: 10.49%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| UTD OV. BK-LOC-ADR/1 SD 1 (UOB0) | €51.49 Billion | 10.55% | 10.11x | $37.62 Billion |
| Grupo Supervielle S.A (189A) | $35.68 Billion | 9.81% | 5.99x | $590.94 Million |
| WOORI FIN. GRP SP.ADR/3 (2WGA) | $33.40 Trillion | 7.50% | 13.91x | $11.06 Billion |
| Bank of Zhengzhou Co. Ltd (3BZ) | $56.85 Billion | 3.33% | 12.08x | $243.30 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $36.64 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $475.31 Billion | 11.01% | 19.02x | $13.01 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $825.81 Billion | 10.32% | 16.03x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $37.83 Billion | 18.55% | 7.00x | $2.34 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $30.48 Billion | 7.50% | 11.26x | $1.28 Billion |
| Harbin Bank Co. Ltd (5H6) | $47.49 Billion | 11.68% | 11.96x | $123.72 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $10.30 Trillion | 3.45% | 21.61x | $53.42 Billion |
About UTD OV. BK-LOC-ADR/1 SD 1
United Overseas Bank Limited, together with its subsidiaries, provides banking products and services worldwide. It operates through three segments: Group Retail, Group Wholesale Banking, and Global Markets. The company offers deposit products; loan products, including overdraft, cash credit, short term, and long-term loans; and buyers credit, structured trade finance, ECBs, SGD bonds, loan syndic… Read more