Investor Presentaiton

|||| UOB Managing risks for stable growth Prudent approach has been key to delivering sustainable returns over the years Institutionalised framework through Group Risk Appetite Statement (GRAS): - - ― Outlines risk and return objectives to guide strategic decision-making Comprises 6 dimensions and 14 metrics Entails instilling prudent culture as well as establishing policies and guidelines Invests in capabilities, leverage integrated regional network to ensure effective implementation across key markets and businesses Nurture core talent Build sound reputation and operating conditions Manage con- centration risk UOB'S GRAS Limit earnings volatility Maintain balance sheet strength Optimise capital usage 19

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