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Investor Presentaiton

Why UOB? Stable management Integrated regional platform Strong fundamentals |||| UOB Balance growth with stability Proven track record in steering the bank through various global events and crises Stability of management team ensures consistent execution of strategies ■ Entrenched domestic presence and deep local knowledge to address the needs of our targeted segments ■ Truly regional bank with full ownership and control of regional subsidiaries ■ Sustainable revenue channels as a result of carefully-built core businesses Strong capital and reserves, sound liquidity position and resilient asset quality testament of solid foundation built on the premise of basic banking ■ Continue to diversify portfolio, strengthen balance sheet, manage risks and build core franchise for the future ■ Maintain long-term perspective to growth for sustainable shareholder returns 8
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