Investor Presentaiton

|| Credit costs eased as macro outlook stabilises and UOB pre-emptive provisions mostly taken in 2020 67bp 68bp 57bp 55bp Average Gross Loans (basis points) * 61bp 36bp 29bp - Allowances for NPLs 28bp - Total allowances for Loans 16bp 18bp 34bp 31bp 24bp 19bp 15bp 17bp 13bp 10bp Total allowances for loans (SGD m) 660 503 390 1,579 468 476 391 244 207 2017 2018 2019 2020 1Q20 2Q20 3Q20 4Q20 1Q21 * Computed on an annualised basis, where applicable 45

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