Is UOB (U11) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 51.9% | |
| Net Margin | 39.8% | |
| Return on Equity (ROE) | 9.3% | |
| Return on Assets (ROA) | 0.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $1.3B |
| Free Cash Flow | $46M |
| Total Debt | $45.3B |
| Total Assets | $572.1B |
Price & Trading
| Last Close | SGD 36.68 |
| 50-Day MA | SGD 37.49 |
| 200-Day MA | SGD 35.82 |
| Avg Volume | 3.4M |
| Beta | 0.4 |
|
52-Week Range
SGD 29.00
| |
About UOB (U11)
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 syndication, and M and A services. It provides forex, documentary collection, credit, export and import finance services. In addition, the company offers inward and outward remittances, FX spot and forward, current account, and time deposit services; letter of credit advising and negotiation/discounting services; and import and export services comprising of inward and outward bill collection services, bank guarantee, as well as standby letter of credit. Further, it provides interest rate, credit, commodities, equities, and structured investment products; private, commercial and corporate, and investment banking services; and is involved in property, insurance, and investment management activities. Additionally, the company offers corporate finance, treasury, futures broking, asset management, venture capital management, insurance, stockbroking, cash management, and wealth management services; and engages in capital market, credit card, and private residential home loan businesses. The company was incorporated in 1935 and is headquartered in Singapore.
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Frequently Asked Questions
Is UOB (U11) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), UOB is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is UOB's debt ratio?
UOB's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are UOB's key financial metrics?
UOB has a market capitalization of $60.4B, trailing P/E ratio of 13.4, and revenue of $13.8B. Return on equity stands at 9.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.