Investor Presentaiton

FY20 financial overview Net Profit After Tax Movement, FY20 vs FY19 |||| UOB (SGD m) 528 35 291 288 1,119 47 210 4,343 2,915 -33% -8% -2% -20% FY19 net Net interest Net fee and profit after tax income commission Other non- interest income income Key Indicators Net interest margin (%) 1 Non-interest income / Income (%) Cost / Income ratio (%) Return on equity (%) 1,2 >100% +91% -25% -6% Operating Total Share of profit Tax and non- expenses allowances of associates controlling interests and joint ventures FY20 FY19 1.57 1.78 34.2 34.6 45.6 44.6 7.4 11.6 1. Computed on an annualised basis 2. Calculated based on profit attributable to equity holders of the Bank, net of perpetual capital securities distributions FY20 net profit after tax YoY Change -0.21% pt -0.4% pt +1.0% pt -4.2% pt 35

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