Investor Presentaiton

Loan assistance programmes temper asset quality || UOB deterioration (SGD m) 1Q20 2Q20 3Q20 4Q20 1Q21 NPAs at start of period 4,297 4,590 4,628 4,301 4,608 Non-individuals: New NPAs 573 131 74 622 145 Upgrades and recoveries (101) (126) (216) (175) (250) Write-offs (208) (42) (63) (179) (26) 4,561 4,553 4,423 4,569 4,477 Individuals (Net) 29 75 (122) 39 67 NPAs at end of period 4,590 4,628 4,301 4,608 4,544 NPL ratio (%) 1.6% 1.6% 1.5% 1.6% 1.5% 44

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