Fmi Assignment

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SCHOOL OF MANAGEMENT

ACADEMIC SESSION 2011/2012

SEMESTER 2

AFW 362 FINANCIAL INSTITUTIONS AND MARKETS

PERFORMANCE OF UNITED OVERSEAS BANK (M) BHD (2007-2011)

LECTURE NAME: DATIN DR JORIAH MUHAMMAD

Table of Contents

|Description |Page | |1. Objective |3 | |2. Introduction |4,5 | |3. Methodology |5 | |4. Body ( CAMEL rating system) |6-38 | |Capital Adequacy | | |Asset Quality | | |Management Efficiency | | |Earnings and Profitability Quality | | |Liquidity | | |5. Conclusion |39-40 | |6. References |41 | |7. Appendices |42-44 |

Objective

The purpose of bank is to provide a various forms of financial service to individuals such as personal financial services, private banking and investment banking. The objective of this report to be prepared is to discuss about the financial performance of United Overseas Bank (M) BHD in banking industry. The financial analyses are conducted from year 2007-2011. The main content of this report is organized into three parts. Firstly, we will describe about the United Overseas Bank background. There are many UOB branches in many states of Malaysia such as Penang and Selangor.

In the second section, we will present the financial analysis of UOB by using CAMEL rating system. We will compare the growth of the bank in overall. We also focus on how UOB‘s plans to maximize profit after economic downturn and also to further strengthen its operational infrastructure and capabilities.

Lastly, we will look through the future of UOB and brief conclusions are given for the review of the UOB. We found that banking industry in Malaysia is robust and financially healthy. The future of the UOB looks reasonably well with its overall performance with a stable development. Ultimately, the conclusion is made to conclude the entire project and also to deliver some discussions about the analyses that had been reported in the front parts. The Appendices can be used as a reference for the readers to have further information about UOB’s financial analysis.

Introduction

United Overseas Bank ("UOB") was incorporated on 6 August 1935 as the United Chinese Bank. Founded by Datuk Wee Kheng Chiang, the Bank catered mainly to the Fujian community in its early years. The change of name was effected in 1965. Over the past 76 years, UOB has grown from strength to strength. Through a series of acquisitions, it is now a leading bank in Asia. Besides Far Eastern Bank in Singapore, UOB’s major banking subsidiaries in the region are United Overseas Bank (Malaysia), United...
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