Investor Presentaiton

Net interest income rose with asset volumes, while #UOB net interest margin was stable Net interest margin (%) * 2.19% 2.14% 2.16% 2.08% 1.91% 1.87% 1.83% 1.87% 1.90% -Loans - Overall 1.77% 1.82% 1.78% 1.71% 1.57% 1.48% 1.53% 1.57% 1.57% - Interbank & securities 0.89% 0.77% 0.78% 0.71% 0.76% 0.76% 0.78% 0.75% 0.56% 6,562 Net interest income 6,220 6,035 (SGD m) 783 1,593 5,528 866 1,456 1,474 1,512 1,529 778 196 Total 651 164 206 208 207 Interbank & ! securities 5,779 5,354 5,257 1 1,397 4,877 1,292 1,268 1,303 1,322 Loans 2017 2018 2019 2020 1Q20 2Q20 3Q20 4Q20 1Q21 * Computed on an annualised basis, where applicable 36

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