UOI (U13)

Company Info and Fundamentals

Principal Activities

The Company's principal activities are the underwriting of general insurance business and reinsurance. General insurance covers fire, marine, motor, engineering, general accident and liability business.

Through its wholly-owned subsidiary, UOB Insurance (HK) Ltd, the Group provides a complete range of general insurance services in Hong Kong.

The Company provides management services for Overseas Union Insurance, Limited.

The Company is a member of the United Overseas Bank Group. The holding company which is also the ultimate holding company is United Overseas Bank Ltd, incorporated in Singapore, which owns 58.39 percent of the issued share capital of United Overseas Insurance Ltd.

Profile

Full Name	United Overseas Insurance Limited	Stock No	U13
Exchange	Singapore Exchange (SGX)	Board	Main board
ISIN Code	SG1M91002014	Year-End	31-Dec
Exchange Sector	Finance	Sub Sector	Insurance
Par Value (SGD)	0.0000	Issued Shares (Mil)	61.1550
Paid-Up Cap. (SGD Mil)	91.7330	Market Capitalization (Mil)	432.3659

Technical

Share Price (SGD)
Current Price	0.00
Previous Close	7.07
Week High	7.07
Week Low	7.02
Month High	7.07
Month Low	7.02
52-week High	7.40
52-week Low	6.68
Share Price Performance(%)
MTD change	-100.0000
YTD change	-100.0000

Volume
Today Volume('000)	0
100-day Average Daily Volume ('000)	4.18
Technical Indicators-A shapshot
RSI	53.28
100-day Moving average	7.08
Ratio (Daily)
Dividend Yield	3.11
P/E ratio	18.14

Assets and Liabilities 2016-2018

Financial Statement

Balance Sheet
	2018	2017	2016
Period Start	2018-01-01	2017-01-01	2016-01-01
Period End	2018-12-31	2017-12-31	2016-12-31
Currency	SGD	SGD	SGD
Unit	Thousand	Thousand	Thousand

Current Assets	79,964.00	71,038.00	83,601.00
Current Liabilities	29,232.00	29,731.00	36,694.00
Long-term Assets	530,760.00	575,718.00	523,144.00
Shareholders Fund	378,374.00	377,580.00	335,002.00
Minority Interest	0.00	0.00	0.00
Long-term Liabilities	203,118.00	239,445.00	235,049.00

Financial Statement

Balance Sheet
	2018	2017	2016
Period Start	2018-01-01	2017-01-01	2016-01-01
Period End	2018-12-31	2017-12-31	2016-12-31
Currency	SGD	SGD	SGD
Unit	Thousand	Thousand	Thousand

Turnover	24,495.00	25,248.00	24,525.00
Profit/loss Before Tax	25,788.00	38,548.00	27,156.00
Minority Interest	0.00	0.00	0.00
Net Profit/loss To Shareholders	23,831.00	32,948.00	23,128.00

Financial Statement

Cashflow Statement
Period Start	2018-01-01	2017-01-01	2016-01-01
Period End	2018-12-31	2017-12-31	2016-12-31
Currency	SGD	SGD	SGD
Unit	Thousand	Thousand	Thousand

Cash Flows From Operating Activities	7,556.00	21,939.00	15,091.00
Cash Flows From Investing Activities	24,868.00	-19,994.00	-10,733.00
Cash Flows From Financing Activities	-16,818.00	-10,396.00	-10,396.00
Net Changes In Cash And Cash Equivalents	15,606.00	-8,451.00	-6,038.00
Cash And Cash Equivalents Brought Forward	45,860.00	54,311.00	60,349.00
Cash And Cash Equivalents Carried Forward	61,466.00	45,860.00	54,311.00

Last 3 Year
Last 4 quarter

Financial Ratios

	2018	2017	2016

Currency	SGD	SGD	SGD
Exchange Rate*	-	-	-

Profitability Ratio
Return on Equity	6.298	8.726	6.904
Return on Revenue	97.289	130.497	94.304

Liquidity Ratio
Return on Equity	2.735	2.389	2.278
Return on Revenue	2.735	2.389	2.278

Gross Eps (cents) *	38.970	53.880	37.820
Dividend (cents) *	22.000	22.000	17.000
Net tangible asset	1.808	2.221	1.956
Price to cash flow ratio	0.000	0.000	0.000
Cash for per share	0.082	0.239	0.165
Price to book ratio	0.000	0.000	0.000

* Calculation is based on the specific Currency Exchange Rate

Financial Ratios

	2019 Q3	2019 Q2	2019 Q1	2018 Q4

Currency	SGD	SGD	SGD
Exchange Rate*	-	-	-	-

Profitability Ratio
Return on Equity	6.435	4.871	2.866	6.298
Return on Revenue	31.327	33.855	41.025	23.079

Liquidity Ratio
Return on Equity	3.204	2.111	2.449	2.735
Return on Revenue	3.204	2.111	2.449	2.735

Gross Eps (cents) *	56.940	64.720	74.750	38.970
Dividend (cents) *	0.000	8.500	0.000	22.000
Net tangible asset	1.175	2.241	1.831	1.808
Price to cash flow ratio	0.000	0.000	0.000	0.000
Cash for per share	-0.004	0.025	0.035	0.082
Price to book ratio	0.000	0.000	0.000	0.000

* Calculation is based on the specific Currency Exchange Rate

Analysis Of Shareholdings

As At 22 February 2019

Shares Outstanding	:	61,155,000
Largest 30 Shareholders	:	48,468,862
Balance Float (%)	:	20.74
Free Float (%)	:	41.40

1.	Tye Hua Nominees Private Limited	35,707,500	58.39
2.	Ng Poh Cheng	1,727,150	2.82
3.	Chong Chew Lim @ Chong Ah Kau	1,190,400	1.95
4.	Citibank Nominees Singapore Pte Ltd	1,121,550	1.83
5.	Chen Siong Seng	1,005,000	1.64
6.	Maybank Kim Eng Securities Pte. Ltd.	945,300	1.55
7.	OCBC Securities Private Limited	754,712	1.23
8.	Thia Cheng Song	635,000	1.04
9.	India International Insurance Pte Ltd - SIF	603,750	0.99
10.	Chong Chin Chin (Zhang JingJing)	562,000	0.92
11.	DBS Nominees (Private) Limited	549,250	0.90
12.	Chong Kian Chun (Zhang JianJun)	542,500	0.89
13.	Ng Ean Nee Mrs Chee Ying Lin @ Ooi Ean Nee	500,000	0.82
14.	Singapore Reinsurance Corporation Ltd - Shareholders	470,000	0.77
15.	Chen Swee Kwong	455,000	0.74
16.	United Overseas Bank Nominees (Private) Limited	421,600	0.69
17.	Yeoh Phaik Ean	375,000	0.61
18.	Estate of Teo Guan Seng, Deceased	340,650	0.56
19.	Tan Chong Hock	317,250	0.52
20.	Tan Suat Lay @ Tan Suat Ngor	245,250	0.40
	Total	48,468,862	79.26

Historical Prices

	Open	High	Low	Close	Vol('000)	O/C Range	H/L Range
2019-12-11	7.05	7.07	7.05	7.07	6	0.02	0.02
2019-12-09	7.02	7.07	7.02	7.07	7	0.05	0.05
2019-12-05	7.07	7.07	7.07	7.07	2	0.00	0.00
2019-11-28	7.02	7.02	7.02	7.02	5	0.00	0.00
2019-11-26	7.02	7.02	7.02	7.02	2	0.00	0.00
2019-11-13	7.05	7.05	7.02	7.02	2	-0.03	0.03

Time and Sales

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	Type	Last Done	Change	Volume ('000)
				Total	Change

	Japanese Yen		108.74
	Hong Kong Dollar		7.822
	Singapore Dollar		1.36
	Malaysia Ringgit		4.163
	Australian Dollar		1.467

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