PWLBtoday
Counterparty/United Overseas Bank Limited
Built 2026-09-14 17:10 UTCBeta
UO

United Overseas Bank Limited

Bank · SingaporeAAA · LEI IO66REGK3RCBAMA8HR66
Counterparty scoreBand A
84
60th percentile of 10 peers
coverage75% of the method
Rating87w 40
Capital85w 25
Liquidity59w 15
Stability—w 10
Assets—w 5
Profit74w 5
Rating anchor and public pillars with published weights (w). Market overlay +3.5, bounded at ±10. Method
Agency ratingscompositeAA-Bonds tightening
Fitch
AA-▶
ST F1+
2026-04-20
S&P
AA-▶
ST A-1+
2022-01-20
Moody's
Aa1▶
ST P-1 · deposit
2026-08-03
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
15.3%
+0.2 vs prior2026-03-31
Leverage ratio
7.0%
+0.3 vs prior2026-03-31
Total capital
17.9%
+0.2 vs prior2026-03-31
LCR
144%
−3.0 vs prior2026-03-31
NSFR
115%
−1.0 vs prior2026-03-31
Risk-weighted assets
278.5bn
+0.9% vs prior2026-03-31
15 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
nonet change
20162017201820192020202120222023202420252026AA-composite AA- from 2015-07-01AA-COMPOSITEFitchFitch AA- from 2015-07-01, stillAA-Fitch: stable outlook from 2015-08-14Fitch: watch negative outlook from 2020-04-29Fitch: negative outlook from 2020-09-28Fitch: stable outlook from 2021-04-08Fitch: negative outlook from 2022-01-21Fitch: stable outlook from 2023-05-30AA-S&PS&P AA- from 2015-07-01, stillAA-S&P: stable outlook from 2016-06-17AA-Moody'sMoody's Aa1 from 2015-07-01, stillAa1Moody's: stable outlook from 2015-07-01Moody's: stable outlook from 2018-12-03Aa1
AAACCCpositive outlookstablenegativewent on watch

Every rating held today

AgencyTypeRatingOutlookDate
Fitchissuer default · long-termAA-stable2026-04-20
Fitchissuer default · short-termF1+—2026-04-20
Moody'scounterparty · long-termAa1—2026-08-03
Moody'sdeposit · long-termAa1stable2026-08-03
Moody'scounterparty · short-termP-1—2026-08-03
Moody'sdeposit · short-termP-1—2026-08-03
S&Pissuer credit · long-termAA-stable2022-01-20
S&Pissuer credit · short-termA-1+—2022-01-20
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 monthsSGD
31.2235.1239.0242.9246.8225-09: 35.5625-09: 35.5725-09: 35.2625-09: 34.6325-09: 34.3625-10: 34.6825-10: 35.4925-10: 34.9325-10: 34.3025-10: 34.6525-10: 34.7225-11: 34.8725-11: 34.0325-11: 34.0825-11: 33.8525-11: 33.8925-12: 34.5525-12: 34.2825-12: 34.7625-12: 34.7025-12: 35.1326-01: 35.2526-01: 36.0126-01: 36.5126-01: 36.7426-01: 38.5026-01: 38.2726-02: 38.6526-02: 38.9026-02: 38.6626-02: 36.9826-03: 36.3426-03: 35.5126-03: 36.1626-03: 37.1626-03: 36.5926-03: 36.6526-04: 36.8726-04: 37.4226-04: 37.4026-04: 36.9026-04: 35.7826-05: 36.6526-05: 37.1126-05: 37.2926-05: 37.7026-05: 37.6926-06: 38.3126-06: 37.8826-06: 39.0026-06: 39.4626-06: 39.8026-07: 40.0726-07: 43.3326-07: 44.3826-07: 42.6626-07: 43.3226-07: 43.8826-08: 43.0626-08: 41.9526-08: 40.8826-08: 40.7326-08: 40.7826-09: 41.7426-09: 41.1841.1825-0925-1025-1226-0226-0426-0626-09
30-day realised volatility16.1%
Drawdown from 52-week high-5.8%
Market signal Bonds tightening
Last price2026-09-14
Bond yields vs peers, 31-day−23 bp (4 bonds, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-08-03
Moody's affirmation: Deposit Rating Aa1
ESMA European Rating Platform
info
2026-08-03
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2026-08-03
Moody's affirmation: Counterparty Risk Rating Aa1
ESMA European Rating Platform
info
2026-08-03
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2026-08-03
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2026-04-22
Pillar 3 report for the period to 2026-03-31 published: regulatory-disclosures-pillar-3-disclosures-1q-2026.pdf
firm website
info
2026-04-20
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-04-20
Fitch affirmation: Long Term Issuer Default Rating AA-
ESMA European Rating Platform
info
2026-04-20
Fitch affirmation: Short Term Issuer Default Rating F1+
ESMA European Rating Platform
info
2026-04-20
Fitch new: Long Term Issuer Default Rating (xgs) AA-(xgs)
ESMA European Rating Platform
info
2026-04-20
Fitch new: Short Term Issuer Default Rating (xgs) F1+(xgs)
ESMA European Rating Platform
info
2026-01-26
Pillar 3 report for the period to 2025-12-31 published: regulatory-disclosures-pillar-3-disclosures-4q-2025.pdf
firm website
info
2025-11-18
Moody's affirmation: Deposit Rating Aa1
ESMA European Rating Platform
info
2025-11-18
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Counterparty Risk Rating Aa1
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2025-10-21
Pillar 3 report for the period to 2025-09-30 published: regulatory-disclosures-pillar-3-disclosures-3q-2025.pdf
firm website
info
2025-08-06
Pillar 3 report for the period to 2025-06-30 published: regulatory-disclosures-pillar-3-disclosures-2q-2025.pdf
firm website
info
2025-04-16
Pillar 3 report for the period to 2025-03-31 published: regulatory-disclosures-pillar-3-disclosures-1q-2025.pdf
firm website
info
2025-02-19
Pillar 3 report for the period to 2024-12-31 published: regulatory-disclosures-pillar-3-disclosures-4q-2024.pdf
firm website
info
2024-10-17
Pillar 3 report for the period to 2024-09-30 published: regulatory-disclosures-pillar-3-disclosures-3q-2024.pdf
firm website
info

Documents and feeds

Firm's Pillar 3 disclosures · read from the PDF, prior-period column
7 documents · 7 metrics · 2023-09-30 to 2026-03-31
Latest source
Yahoo Finance fundamentals · public API
1 document · 6 metrics · 2022-12-31 to 2026-06-30
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio15.302026-03-31Firm's Pillar 3 disclosures · read from the PDF0.95
Total deposits (currency millions)471,109.002026-06-30Yahoo Finance fundamentals · public API0.80
Cost-to-income or efficiency ratio52.242025-12-31Yahoo Finance fundamentals · public API0.70
Liquidity coverage ratio144.002026-03-31Firm's Pillar 3 disclosures · read from the PDF0.95
Leverage ratio7.002026-03-31Firm's Pillar 3 disclosures · read from the PDF0.95
Net interest margin1.692025-12-31Yahoo Finance fundamentals · public API0.70
Net stable funding ratio115.002026-03-31Firm's Pillar 3 disclosures · read from the PDF0.95
Return on assets0.842025-12-31Yahoo Finance fundamentals · public API0.80
Return on equity9.272025-12-31Yahoo Finance fundamentals · public API0.80
Risk-weighted assets (currency millions)278,459.002026-03-31Firm's Pillar 3 disclosures · read from the PDF0.95
Tier 1 capital ratio16.602026-03-31Firm's Pillar 3 disclosures · read from the PDF0.95
Total assets (currency millions)590,222.002026-06-30Yahoo Finance fundamentals · public API0.80
Total capital ratio17.902026-03-31Firm's Pillar 3 disclosures · read from the PDF0.95