• United Overseas Bank average operating margin for 2019 was 32.55%, a 7.34% decline from 2018.
• United Overseas Bank average operating margin for 2018 was 35.13%, a 14.5% decline from 2017.
• United Overseas Bank average operating margin for 2017 was 41.09%, a 3.87% decline from 2016.

Operating margin can be defined as operating margin measurement of what proportion of a company's revenue is left over after paying for variable costs of production such as wages, raw materials, etc.