Investor Presentaiton

Competitive against peers Standalone Strength Efficient Cost Management Competitive returns |||| UOB Well-Maintained Liquidity Loan/deposit Moody's S&P Fitch Moody's baseline credit assessment Costs/income ratio Return on average assets (annualised) ratio Aa1 AA- AA- UOB a1 44% 0.9% 87% Aa1 AA- AA- OCBC a1 39% 1.4% 85% Aa1 AA- AA- DBS a1 41% 1.3% 81% A2 A- A+ HSBC a2 66% 0.6% 63% A2 BBB+ A SCB baa1 64% 0.6% 63% A2 A- A+ BOA a3 68% 1.1% 47% A3 BBB+ A Citi baa1 57% 1.4% 50% Aa3 AA- A+ CBA a2 47% 0.9% 105% Aa3 AA- A+ NAB a2 46% 0.7% 126% Aa2 AA- AA RBC a3 51% 0.9% 67% Aa1 AA- AA- TD a1 54% 0.8% 63% A3 A- n.r. CIMB baa2 A3 A- BBB+ MBB a3 52% 45% 0.2% 89% 0.8% 90% Source: Company reports, Credit rating agencies (updated as of 7 May 2021) Banks' financials were as of 31 Mar 21, except for those of RBC, TD (31 Jan 21), CBA, CIMB and Maybank (31 Dec 20) 22 22

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