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Investor Presentaiton

Disciplined balance sheet management Return on risk-weighted assets |||| UOB Focus on balance Healthy 1.63% 1.93% 1.90% 1.76% 1.27% portfolio sheet quality FY17 FY18 FY19 FY20 1Q21 efficiency Current Account Saving Account Balances (SGD b) 12% CAGR¹ Proactive 174 178 liability management Robust capitalisation 124 130 141 FY17 FY18 FY19 FY20 1Q21 Common Equity Tier 1 ratio (%) 15.1 13.9 14.3 14.7 14.3 1. Compound annual growth rate over 34 years (FY17 to 1Q21) FY17 FY18 FY19 FY20 1Q21 21 24

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