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21 April 2016

United Overseas Bank Limited

74th Annual General

Meeting

Wee Ee Cheong

Deputy Chairman and Chief Executive Officer

Customer Deposits

$241 billion +2.9% yoy

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Return on Equity

11.0% -1.3%pt yoy

Total Income

$8,048 million +7.9% yoy

2,327

2,803 3,008

3,249 3,209

2011 2012 2013 2014 2015

3,678 3,917 4,120 4,558 4,926 2,021

2,578 2,600 2,900

3,122

35.5% 39.7% 38.7% 38.9% 38.8%

2011 2012 2013 2014 2015

Net interest income ($ million)

Non-interest income ($ million)

Non-interest income/ Total income (%)

Net Profit After Tax

$3,209 million -1.2% yoy

141 153

179 196 204

169 182

215 234 241

83.3% 84.0% 83.4% 83.8% 84.7%

2011 2012 2013 2014 2015

Customer Loans

$204 billion +3.9% yoy

23.0 25.1

26.4

29.6 30.8

11.1% 12.4% 12.3% 12.3%

11.0%

2011 2012 2013 2014 2015

Shareholders’ Equity

$31 billion +4.1% yoy

Loan/Deposit Ratio

84.7%

+0.9%pt yoy

Shareholders’ Equity/Return on Equity Customer Loans/Deposits

Loans ($ billion) Deposits ($ billion) Loan/Deposit ratio (%) Shareholders’ equity ($ billion)

Return on equity (%)

Steady Set of Results, Strong Balance Sheet

Net profit after tax ($ million)

Growing with our customers in the region

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Wholesale banking:

– Developing comprehensive

product coverage and

advisory capabilities.

– Supporting customers’

expansion across Asia.

Retail banking:

– Helping our customers secure

their financial future.

– Creating a convenient and

consistent banking

experience.

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Digitalisation - Enriching the Customer Experience

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Digitalisation - Enriching the Customer Experience

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Digitalisation - Enriching the Customer Experience

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Strengthening the Social Fabric

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Strengthening the Social Fabric

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Japan 2 South Korea 1

China 22

Taiwan 4 Hong Kong 3

India 2

Myanmar 2 Vietnam 1

Philippines 1

Brunei 2

Thailand 157

Malaysia 47

Singapore 74

Indonesia 190

Australia 4

Delivering on our Regional Strategy

– Confident of Asia’s fundamentals.

Long-term growth drivers underpinned

by increasing connectivity.

– UOB’s strong balance sheet, regional

network and franchise enable us to

support customers through economic

cycles.

– Disciplined approach in balancing

growth with stability to deliver long-

term shareholder value.

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Thank you