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Investor Presentaiton

Exposure to Greater China 77.2 73.5 71.8 6.2 69.2 68.3 6.2 7.3 6.1 6.5 45.1 44.1 44.1 44.2 47.2 25.9 23.2 19.0 17.6 17.3 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 As at 31 March 2021: Mainland China exposure ($25.8b or 6% of total assets) Bank exposure ($11.7b) ~70% to top five domestic banks and three policy banks 99% with <1 year tenor Trade exposures accounting for ~40% of total bank exposure Non-bank exposure ($10.9b) - Target customers include top-tier state-owned enterprises, large local corporates and foreign investment enterprises ~60% denominated in RMB ■ |||| UOB Hong Kong SAR exposure ($37.8b or 9% of total assets) Bank exposure ($2.8b) Majority to foreign banks Non-bank exposure ($31.6b) . Mainly wholesale corporates • ~60% with <1 year tenor NPL ratio at 0.9% ■Bank (SGD b) ■Debt (SGD b) ■Non-bank (SGD b) ~50% with <1 year tenor NPL ratio at 0.4% Note: Classification is according to where credit risks reside, largely represented by the borrower's country of incorporation / operation (for non-individuals) and residence (for individuals) 42
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