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Investor Presentaiton

Exposure to oil and gas sector Total Outstanding O&G Loans (SGD b) 11.8 10.8 3.3 2.1 4.4 4.8 3.7 4.3 Jun-18 ☐ ☐ Mar-21 ■Upstream industries Downstream industries ■ Oil traders |||| UOB As of 31 March 2021, oil and gas (O&G) loans represented 4.0% of total loans as compared with 4.7% at 30 June 2018 Around 80% of O&G exposure is to downstream players and traders, which are mainly national oil companies (NOCs) and global firms, while short-term structured loans account for a significant share of the remainder A considerable portion of upstream exposure is to NOCs and international oil companies, while vulnerable accounts were already classified and their collateral value marked down (by as much as 90%) by end-2017 1. O&G upstream industries include offshore service companies 43
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