Investor Presentaiton

High reserve coverage in anticipation of asset quality risk |||| UOB 111% 107% 112% Coverage ratios (%) 88% 96% - Total allowances* / NPAs 36% 36% 39% 37% 37% - - Allowances for NPAs / NPAs - Allowance for non-impaired loans*/ performing loans (%) 0.8% 0.9% 1.0% 1.0% 1.0% Allowances (SGD m) 4,755 4,944 5,075 ☐ Total 4,434 4,032 379 379 379 ☐ Regulatory loss allowance 379 374 reserve Allowances for non-impaired 1,988 2,391 2,712 2,873 3,003 assets Allowances for impaired assets 1,670 1,664 1,664 1,692 1,693 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 * Total allowances include regulatory loss allowance reserve pursuant to MAS Notice No. 612 46

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