{
 "as_of": "2026-11-06",
 "cmr": "sg-cm-kg/SGX/U11",
 "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.",
 "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# UNITED OVERSEAS BANK LIMITED (Mainboard: U11) — research page\n\nAs of 2026-11-06 · sg-cm-kg · record version 1\n\n## Identity and listing\n\nThe issuer is UNITED OVERSEAS BANK LIMITED, listed on the Mainboard exchange under ticker U11, ISIN SG1M31001969, LEI IO66REGK3RCBAMA8HR66. Its security type is Corporate, its segment is not on the record, its sector is Financial Services, and its jurisdiction is Singapore (ACRA-registered public company limited by shares). Status: listed, not halted.\n\n## The disclosure read\n\nThe record holds 16 filings in the twelve months to 2026-11-06, across 12 filing days. The median gap between filing days is 20 days. The latest filing is dated 2026-11-04, 2 days before the record date, and is of type sgxnet_announcement. By type the filings are: 6 newswire releases, 6 SGXNet announcements, 2 results, 1 AGM/EGM, and 1 annual return. The Mainboard exchange median is 6.0 filings, a cadence gap of 29.8 days, and a latency of 60 days across 388 issuers. The Financial Services sector median is 6 filings, a cadence gap of 43.2 days, and a latency of 29 days across 27 issuers.\n\n## Auditor\n\nThe auditor of record is Ernst & Young LLP. Its location is not on the record. Auditor changes are not on the record, as the register has no lifecycle type map yet.\n\n## Events and halts\n\nListing, delisting, name change, domicile change and segment move are not on the record, as the register has no lifecycle type map yet. Halt status: listed, not halted.\n\n## Orderability\n\nThe outcome is not determinable. The chapter carries no current ACM-68000 register revision for this market, so the outcome cannot name its rule. The rule version is null and the chapter is as of 2026-11-04.\n\n## Coverage\n\nThe issuer's investor-relations page names 17 research houses: Autonomous, BofA Securities, CGS Research, Citi Research, CLSA, Goldman Sachs, J.P. Morgan, Jefferies, Macquarie Capital Securities, Maybank Kim Eng Research, Morgan Stanley Asia, Morningstar Investment Management Asia, OCBC Investment Research, Phillip Securities Research, RHB Bank, UBS Investment Research, and UOB Kay Hian Research.\n\n## Open research\n\nNo openly published research notes were found on the record.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe market's vintage is not sealed. No issuer years are sealed. The live record began on 2026-09-11. Years 2021 through 2026 are sealed in the store but not served as of a date; the as-of door answers not_sealed.\n\n## Sources\n\n11 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://www.sgx.com/securities/stock-screener (identity.exchange)\n- https://api.sgx.com/marketmetadata/v2 (identity.isin)\n- https://data.gov.sg/collections/2/view (identity.jurisdiction)\n- https://api.gleif.org/api/v1/lei-records/IO66REGK3RCBAMA8HR66 (identity.lei)\n- https://investors.sgx.com/stock-screener (identity.sector)\n- https://mcp.sg-cm-kg.ai/events/SGX/U11 (the disclosure lines)\n- https://api.sgx.com/securities/v1.1/ (the halt flag)\n- https://links.sgx.com/1.0.0/corporate-announcements/CJ5LTSEV6VGWLF37/878788_UOB%20AR2025.pdf (the auditor)\n- https://mcp.sg-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html (coverage)\n- https://mcp.sg-cm-kg.ai/record/SGX/U11 (the record)\n",
 "market": "SG",
 "node": "sg-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [],
   "live_record_began": "2026-09-11",
   "node_history_from": null,
   "node_years_sealed": [],
   "note": "6 years are sealed in the SG store; their Replay split is not built, so the as-of door answers not_sealed and the record is the live record as of 2026-11-06",
   "record_version": 1,
   "sealed": false,
   "store_years_sealed_not_served": [
    "2021",
    "2022",
    "2023",
    "2024",
    "2025",
    "2026"
   ]
  },
  "auditor": {
   "auditor": {
    "read_by": "read by ChatGPT (batch)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://links.sgx.com/1.0.0/corporate-announcements/CJ5LTSEV6VGWLF37/878788_UOB%20AR2025.pdf",
    "state": "confirmed",
    "value": "Ernst & Young LLP"
   },
   "auditor_firm_id": {
    "market": "SG",
    "state": "not_on_record"
   },
   "auditor_location": {
    "market": "SG",
    "state": "not_on_record"
   },
   "changes": {
    "market": "SG",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   }
  },
  "cmr": "sg-cm-kg/SGX/U11",
  "coverage": {
   "count": 17,
   "houses": [
    {
     "analyst": "Ivan Ng",
     "house": "Autonomous",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Sukriti Bansal",
     "house": "BofA Securities",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Tay Wee Kuang",
     "house": "CGS Research",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Tan Yong Hong",
     "house": "Citi Research",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Marcus Liu",
     "house": "CLSA",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Melissa Kuang",
     "house": "Goldman Sachs",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Harsh Modi",
     "house": "J.P. Morgan",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Joanna Cheah",
     "house": "Jefferies",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Jayden Vantarakis",
     "house": "Macquarie Capital Securities",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Thilan Wickramasinghe",
     "house": "Maybank Kim Eng Research",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Nick Lord",
     "house": "Morgan Stanley Asia",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Kathy Chan",
     "house": "Morningstar Investment Management Asia",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Carmen Lee",
     "house": "OCBC Investment Research",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Glenn Thum",
     "house": "Phillip Securities Research",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "David Chong",
     "house": "RHB Bank",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Aakash Rawat",
     "house": "UBS Investment Research",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    },
    {
     "analyst": "Jonathan Koh",
     "house": "UOB Kay Hian Research",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "state": "sourced"
    }
   ],
   "pages_checked": [
    {
     "page": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html",
     "result": "read: 17 of 36 named houses found on the page"
    }
   ],
   "read_by": "Perplexity sonar (search) · page read by this rail",
   "read_date": "2026-11-12",
   "since": "not stated on the page read",
   "state": "found"
  },
  "disclosure": {
   "against": {
    "exchange": {
     "issuers": 388,
     "median_cadence_gap_days": 29.8,
     "median_filings": 6,
     "median_latency_days": 60,
     "name": "Mainboard"
    },
    "sector": {
     "issuers": 27,
     "median_cadence_gap_days": 43.2,
     "median_filings": 6,
     "median_latency_days": 29,
     "name": "Financial Services"
    }
   },
   "by_type": {
    "agm_egm": 1,
    "annual_return": 1,
    "newswire_release": 6,
    "results": 2,
    "sgxnet_announcement": 6
   },
   "cadence_median_gap_days": 20,
   "filing_days": 12,
   "filings": 16,
   "latency_days": 2,
   "latest": [
    {
     "category": null,
     "date": "2026-11-04",
     "source": "https://links.sgx.com/1.0.0/corporate-announcements/PX59JKGC64PU6SBP",
     "title": "General Announcement: 3Q26 Performance Highlights",
     "type": "sgxnet_announcement"
    },
    {
     "category": null,
     "date": "2026-10-27",
     "source": "https://www.prnewswire.com/apac/news-releases/visa-and-marina-bay-precinct-partners---marina-bay-sands-uob-and-singapore-tourism-board---present-a-moment-to-savour-bringing-international-restaurant-collaborations-to-singapore-302920274.html",
     "title": "Visa and Marina Bay Precinct Partners - Marina Bay Sands, UOB and Singapore Tourism Board - Present 'A Moment to Savour', Bringing International Restaurant Collaborations to Singapore",
     "type": "newswire_release"
    },
    {
     "category": null,
     "date": "2026-10-09",
     "source": "https://www.prnewswire.com/vn/news-releases/u0075u006Fu0062u002Du0061u0073u0073u0065u0074u002Du006Du0061u006Eu0061u0067u0065u006Du0065u006Eu0074u002Du006Eu0068u1EA5u006Eu002Du006Du1EA1-302902727.html",
     "title": "UOB Asset Management nhấn mạnh các cơ hội trong bối ...",
     "type": "newswire_release"
    },
    {
     "category": null,
     "date": "2026-10-09",
     "source": "https://www.prnewswire.com/id/rilis-berita/uob-asset-management-soroti-peluang-investasi-di-tengah-perubahan-kebijakan-global-302903376.html",
     "title": "UOB Asset Management Soroti Peluang Investasi di ...",
     "type": "newswire_release"
    },
    {
     "category": null,
     "date": "2026-10-09",
     "source": "https://www.prnewswire.com/apac/news-releases/uob-asset-management-ketengahkan-peluang-di-tengah-tengah-perubahan-landskap-dasar-global-302903191.html",
     "title": "UOB Asset Management Ketengahkan Peluang di Tengah ...",
     "type": "newswire_release"
    }
   ],
   "latest_filing_date": "2026-11-04",
   "read": "the node's event lines (list_events_since), as get_filings serves them",
   "source": "https://mcp.sg-cm-kg.ai/events/SGX/U11",
   "window": {
    "from": "2025-11-06",
    "to": "2026-11-06"
   }
  },
  "identity": {
   "exchange": {
    "read_by": "SGX listed-securities feed (exchange list; stock screener roster)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sgx.com/securities/stock-screener (feed api.sgx.com/securities/v1.1)",
    "state": "sourced",
    "value": "Mainboard"
   },
   "isin": {
    "read_by": "SGX market metadata feed (exchange list; ISIN, issuer name, FISN)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://api.sgx.com/marketmetadata/v2 (SGX market metadata)",
    "state": "confirmed",
    "value": "SG1M31001969"
   },
   "jurisdiction": {
    "read_by": "ACRA register bulk dataset (data.gov.sg, monthly) (entity type, company type)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://data.gov.sg/collections/2/view (ACRA Information on Corporate Entities, monthly; built 2026-09-11)",
    "state": "sourced",
    "value": "Singapore (ACRA-registered public company limited by shares)"
   },
   "lei": {
    "read_by": "GLEIF name-exact",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://api.gleif.org/api/v1/lei-records/IO66REGK3RCBAMA8HR66",
    "state": "filled",
    "value": "IO66REGK3RCBAMA8HR66"
   },
   "name": {
    "read_by": "SGX listed-securities feed (exchange list; stock screener roster)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sgx.com/securities/stock-screener (feed api.sgx.com/securities/v1.1)",
    "state": "sourced",
    "value": "UNITED OVERSEAS BANK LIMITED"
   },
   "sector": {
    "read_by": "SGX stock screener (sector classification the exchange publishes; data provider named on the screener: Morningstar)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://investors.sgx.com/stock-screener (feed api.sgx.com/stockscreener/v2.0, identity fields only)",
    "state": "sourced",
    "value": "Financial Services"
   },
   "security_type": {
    "read_by": "SGX listed-securities feed (exchange list; stock screener roster)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sgx.com/securities/stock-screener (feed api.sgx.com/securities/v1.1)",
    "state": "sourced",
    "value": "Corporate"
   },
   "segment": {
    "market": "SG",
    "state": "not_on_record"
   },
   "ticker": {
    "read_by": "SGX listed-securities feed (exchange list; stock screener roster)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sgx.com/securities/stock-screener (feed api.sgx.com/securities/v1.1)",
    "state": "sourced",
    "value": "U11"
   },
   "website": {
    "market": "SG",
    "state": "not_on_record"
   }
  },
  "licensed": {
   "columns": [
    "licensor",
    "entitlement",
    "title",
    "date",
    "source"
   ],
   "rows": [],
   "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded."
  },
  "lifecycle": {
   "delisting": {
    "market": "SG",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "domicile_change": {
    "market": "SG",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "listing": {
    "market": "SG",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "name_change": {
    "market": "SG",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "segment_move": {
    "market": "SG",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   }
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  "market": "SG",
  "node": "sg-cm-kg",
  "numbers_hash": "sha256:80114f835a113d49b4917f7c7c75a94b7a57a0c775b38f4e492ddd3b88f92d80",
  "open_research": {
   "read_date": "2026-11-12",
   "rows": [],
   "state": "none_found"
  },
  "orderability": {
   "chapter_as_of": "2026-11-04",
   "client_categories": [],
   "determinable": false,
   "read": {
    "chapter": "https://mcp.sg-cm-kg.ai/book/aio.json",
    "door": "https://mcp.sg-cm-kg.ai/mcp",
    "tool": "get_orderability"
   },
   "reason": "the chapter carries no current ACM-68000 register revision for this market: the outcome cannot name its rule",
   "rule_version": null,
   "section": "sg.aio.v6"
  },
  "record": {
   "as_of": "2026-11-06",
   "url": "https://mcp.sg-cm-kg.ai/record/SGX/U11",
   "version": 1
  },
  "schema": "research-numbers v0.1 (USR-01, 2026-11-11)",
  "status": {
   "read_date": "2026-11-08",
   "source": "https://api.sgx.com/securities/v1.1/",
   "value": "listed, not halted"
  }
 },
 "numbers_hash": "sha256:80114f835a113d49b4917f7c7c75a94b7a57a0c775b38f4e492ddd3b88f92d80",
 "path": "/sg/SGX/U11",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "The issuer is UNITED OVERSEAS BANK LIMITED, listed on the Mainboard exchange under ticker U11, ISIN SG1M31001969, LEI IO66REGK3RCBAMA8HR66. Its security type is Corporate, its segment is not on the record, its sector is Financial Services, and its jurisdiction is Singapore (ACRA-registered public company limited by shares). Status: listed, not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 16 filings in the twelve months to 2026-11-06, across 12 filing days. The median gap between filing days is 20 days. The latest filing is dated 2026-11-04, 2 days before the record date, and is of type sgxnet_announcement. By type the filings are: 6 newswire releases, 6 SGXNet announcements, 2 results, 1 AGM/EGM, and 1 annual return. The Mainboard exchange median is 6.0 filings, a cadence gap of 29.8 days, and a latency of 60 days across 388 issuers. The Financial Services sector median is 6 filings, a cadence gap of 43.2 days, and a latency of 29 days across 27 issuers.",
   "title": "The disclosure read"
  },
  {
   "id": "auditor",
   "text": "The auditor of record is Ernst & Young LLP. Its location is not on the record. Auditor changes are not on the record, as the register has no lifecycle type map yet.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "Listing, delisting, name change, domicile change and segment move are not on the record, as the register has no lifecycle type map yet. Halt status: listed, not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "The outcome is not determinable. The chapter carries no current ACM-68000 register revision for this market, so the outcome cannot name its rule. The rule version is null and the chapter is as of 2026-11-04.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "The issuer's investor-relations page names 17 research houses: Autonomous, BofA Securities, CGS Research, Citi Research, CLSA, Goldman Sachs, J.P. Morgan, Jefferies, Macquarie Capital Securities, Maybank Kim Eng Research, Morgan Stanley Asia, Morningstar Investment Management Asia, OCBC Investment Research, Phillip Securities Research, RHB Bank, UBS Investment Research, and UOB Kay Hian Research.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "No openly published research notes were found on the record.",
   "title": "Open research"
  },
  {
   "id": "licensed",
   "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.",
   "title": "Licensed"
  },
  {
   "id": "depth",
   "text": "The market's vintage is not sealed. No issuer years are sealed. The live record began on 2026-09-11. Years 2021 through 2026 are sealed in the store but not served as of a date; the as-of door answers not_sealed.",
   "title": "As-of depth"
  },
  {
   "id": "sources",
   "text": "11 source pages are named on this page; every value above carries its own source page and read date in the numbers.",
   "title": "Sources"
  }
 ],
 "sources": [
  {
   "for": "identity.exchange",
   "source": "https://www.sgx.com/securities/stock-screener"
  },
  {
   "for": "identity.isin",
   "source": "https://api.sgx.com/marketmetadata/v2"
  },
  {
   "for": "identity.jurisdiction",
   "source": "https://data.gov.sg/collections/2/view"
  },
  {
   "for": "identity.lei",
   "source": "https://api.gleif.org/api/v1/lei-records/IO66REGK3RCBAMA8HR66"
  },
  {
   "for": "identity.sector",
   "source": "https://investors.sgx.com/stock-screener"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.sg-cm-kg.ai/events/SGX/U11"
  },
  {
   "for": "the halt flag",
   "source": "https://api.sgx.com/securities/v1.1/"
  },
  {
   "for": "the auditor",
   "source": "https://links.sgx.com/1.0.0/corporate-announcements/CJ5LTSEV6VGWLF37/878788_UOB%20AR2025.pdf"
  },
  {
   "for": "the orderability chapter",
   "source": "https://mcp.sg-cm-kg.ai/book/aio.json"
  },
  {
   "for": "coverage",
   "source": "https://www.uobgroup.com/investor-relations/investor-resources/equity-analyst-coverage.html"
  },
  {
   "for": "the record",
   "source": "https://mcp.sg-cm-kg.ai/record/SGX/U11"
  }
 ],
 "title": "UNITED OVERSEAS BANK LIMITED (U11) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}