United Overseas Bank Limited · SGX:U11
United Overseas Bank — UOBM Corporate Day 2014
21 slides from United Overseas Bank's conference presentation, Sep 5, 2014
Slide 1: Overview
Overview Wong Kim Choong Chief Executive Officer UOBM Corporate Day 4 - 5 September 2014 Disclaimer: This material that follows is a presentation of general background information about the Bank’s activities current at the date of the presentation. It is information given in summary form and does no
Slide 2: Agenda
Agenda 1 INTRODUCTION TO UOBM 2 FINANCIAL HIGHLIGHTS 3 GROWTH DRIVERS 2
Slide 3: Long and Stable Presence in Malaysia – 63 Years
Long and Stable Presence in Malaysia – 63 Years We’ve Been Here Since 1951 UOBM and OUB (Malaysia) Acquired UOBM Berhad Acquired incorporated Lee Wah merged into Chung Khiaw as a Bank and its one legal Launched Bank Limited subsidiary of “Why Woman branch entity & its branch UOB Limited Introduced n
Slide 4: Stellar Track Record Over the Years
Long and Stable Presence in Malaysia – 63 Years Stellar Track Record Over the Years Average ROE from 2001 to 2013 17.5% 1,342 1,223 1,103 830 660 688 586 479 517 497 518 425 211 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Net Profit Before Tax (RM Mil) 2002: Merger with 2007-200
Slide 5: Largest Network for Foreign Banks in Malaysia
Largest Network for Foreign Banks in Malaysia Branches are Strategically Positioned In Line with the Distribution of Economy State GDP (%) Branches Perlis Selangor 24 11 Kedah Kelantan Kuala Lumpur 15 6 Penang Terengganu Sabah Sarawak 10 4 Perak >70% Johor 9 6 Pahang Selangor Pulau Pinang 7 4 Sarawa
Slide 6: Extensive and Customised Retail Product Suites
Extensive and Customised Retail Product Suites 1 2 3 Tailored products for Strong in consumer Simple & convenient affluent segment finance products products for businesses Affluent segment propositions Easy and instant property Easy application, fast approval including tailored banking financi
Slide 7: Building Commendable Traction in the Wholesale Banking Space
Building Commendable Traction in the Wholesale Banking Space Local Deals Regional Deals Links Bidco S.A.R.L. (A consortium comprising EPF, Och-Ziff fund and Sapura Kencana Petroleum Bousted Holding Berhad Indera Persada Sdn Bhd Moon Park Capital Partners) Berhad RM1,200 Million USD 5,000 Million JUN
Slide 8: Top Foreign Bank in Loans and Deposits
Top Foreign Bank in Loans and Deposits Staying Ahead of Other Foreign Peers with >5% market share in loans and >4% market share in deposits Gross Loan as of 1Q2014 Non Bank Deposit as of 1Q2014 RM billion RM billion Maybank 233 Maybank 360 Public Bank 212 Public Bank 239 CIMB Bank 142 CIMB Bank 195
Slide 9: Notable Awards And Recognition
Notable Awards And Recognition Wholesale Bank Retail Bank GLOBAL BANKING & CASH MANAGEMENT MALAYSIA BANK SAHABAT SME FINANCE REVIEW AWARDS AWARDS NEGARA AWARD AWARDS Best Commercial Bank Best Foreign Cash Mgmt Bank Highest Payment Volume Sahabat SME Negara Award Malaysia (2013) (2013 & 2014)
Slide 10: Agenda
Agenda 1 INTRODUCTION TO UOBM 2 FINANCIAL HIGHLIGHTS 3 GROWTH DRIVERS 10
Slide 11: Strong Fundamentals
Strong Fundamentals Strong profit track record through various global events and crisis PROVEN Delivered record Net Profit Before Tax of RM1,342m for TRACK FY2013 RECORD Key contributor to UOB Group - 15% of UOB Group’s NPBT for FY2013 Top foreign bank in Customer Loans and Non Bank Deposits
Slide 12: Consistent Track Record
Consistent Track Record Income Net Profit Before Tax Unit: RM Million / Ratio% Unit: RM Million 31.7% 32.7% 31.7% 29.7% 29.8% 29.1% 18% 28.4% CAGR 1,342 15% 1,223 CAGR 1,103 17% 2,323 CAGR 2,135 830 1,874 688 673 695 1,590 1,350 1,110 1,194 558 677 758 402 451 352 347 2009 2010 2011 2012 2013 1H13 1
Slide 13: Strong Growth in Loans
Strong Growth in Loans Total Assets Gross Loans and NIM Unit: RM Billion Unit: RM Billion / Ratio% 2.92% 20% 2.65% 2.65% 90.0 91.0 CAGR 86.0 80.4 2.19% 2.09% 2.12% 2.11% 69.0 22% 43.0 50.9 64.6 CAGR 62.3 58.8 55.9 47.7 35.2 28.5 2009 2010 2011 2012 2013 1H13 1H14 2009 2010 2011 2012 2013 1H13 1H14 G
Slide 14: Pacing Deposit Growth with Loan Growth
Pacing Deposit Growth with Loan Growth Non Bank Deposits and LDR % * CASA Mix Unit: RM Billion / Ratio% Unit: RM Billion / Ratio% 27.6% 89.0% 23.9% 25.4% 86.8% 23.8% 85.9% 86.3% 86.3% 85.8% 23.1% 81.8% 20.8% 20.6% 22% 24% CAGR 69.3 69.7 65.6 65.7 CAGR 19.2 52.6 17.6 15.2 13.5 39.0 11.0 9.3 31.6 7.5
Slide 15: Consistent Asset and Funding Mix in the Last 5 Years
Consistent Asset and Funding Mix in the Last 5 Years Strengthening our Balance Sheet Others Securities Others Securities 4% 8% 3% Interbank 16% 1% BUILDING CUSTOMER Interbank FRANCHISE 1% Cash + Central • Disciplined approach Bank Cash + Central 18% to credit growth in Bank Net Loans Net Loans targe
Slide 16: Resilient Asset Quality and Strong Capital Position
Resilient Asset Quality and Strong Capital Position Gross NPL Loan Loss Provision to NPL Coverage and Collective Impairment to Loans Coverage Unit: RM Billion / Ratio% Unit: Ratio % 3.6% 93.3% 89.8% 93.9% 84.1% 87.7% 2.5% 70.4% 73.4% 1.7% 1.8% 1.7% 1.7% 1.7% 1.1 1.54% 1.0 1.0 1.1 1.0 0.9 0.8 1.17% 1
Slide 17: Agenda
Agenda 1 INTRODUCTION TO UOBM 2 FINANCIAL HIGHLIGHTS 3 GROWTH DRIVERS 17
Slide 18: Agenda
Agenda 1 INTRODUCTION TO UOBM 2 FINANCIAL HIGHLIGHTS 3 GROWTH DRIVERS 18
Slide 19: Major Trends Shaping Malaysia's Banking Landscape
Major Trends Shaping Malaysia’s Banking Landscape • Given the promising 1H growth and robust outlook ahead, FY real 2014 GDP growth 1 MALAYSIA- is still healthy estimated between 5.5% to 6% by various analysts ON A STEADY • Private investment ramping momentum driven by ETP stimulus; primarily in the
Slide 20: UOBM Growth Drivers
UOBM Growth Drivers UOB KBB (4) SEGMENTED VALUE PROPOSITIONS * WHOLESALE: Contract « BALANCE risk management Financing, Bridging BALANCING BUSINESS and compliance culture ATEN) BML, CeRAr GROWTH & + STRONG credit ratings — Management, FX , etc. DISCIPLINE CONTROLS ”AAA/Stable’ Financial (CHECK & BAL
Slide 21: THANK YOU
UOB KBB THANK YOU