Investor Presentaiton

Non-interest income supported by diversified revenue engines, with record fees |||| UOB 38.5% % of total income 35.4% 31.8% 34.6% 34.2% 33.8% 35.6% 34.8% 32.8% - - Non-interest income - Net fee income 21.9% 21.6% 20.3% 21.8% 21.4% 22.7% 23.2% 25.7% 19.7% 957 3,467 74 Non-interest income 3,035 319 3,141 813 804 786 2,896 (SGD m) 264 737 75 260 65 62 246 282 63 ☐ Total 1,116 880 224 210 902 647 294 152 Others Trading and investment income 638 1,873 1,967 2,032 1,997 515 514 522 445 Net fee income 2017 2018 2019 2020 1Q20 2Q20 3Q20 4Q20 1Q21 Note: Fee income has been restated where the amounts are net of expenses directly attributable to fee income 37

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