Investor Presentaiton

Our growth drivers Realise full potential of our integrated platform |||| UOB Sharpen regional focus Reinforce fee income growth Long-term growth perspective Provides us with ability to serve expanding regional needs of our customers Improves operational efficiency, enhances risk management, seamless customer experience and faster time to market ■ Global macro ■ environment remains uncertain but the region's long-term fundamentals continue to remain strong Region is our growth engine in view of growing intra-regional flows and rising consumer affluence, leveraging digitalisation and partnerships ■ Grow fee income to offset competitive pressures on loans and improve return on risk weighted assets ■ Increase client wallet share size by intensifying cross-selling efforts, focusing on service quality and expanding range of products and services 090 Disciplined approach in executing growth strategy, balancing growth with stability Focus on risk adjusted returns; ensure balance sheet strength and robust capital through economic cycles 26

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