United Overseas Bank Limited · SGX:U11
United Overseas Bank — Q1 2026 Earnings Presentation
7 slides from United Overseas Bank's earnings presentation, Mar 31, 2026
Slide 1: Steady performance driven by resilient core franchise
Steady performance driven by resilient core franchise CEO remarks Wee Ee Cheong, Deputy Chairman and Chief Executive Officer For the first quarter ended 31 March 2026 Private and Confidential
Slide 2: Quality earnings underpinned by diversified drivers
Quality earnings underpinned by diversified drivers Stable operating profit Resilient core income drivers Strong balance sheet 1Q26 net profit 1Q26 net interest income Common Equity Tier 1 S$1.4 billion S$2.3 billion 15.3% +2% QoQ -1% QoQ -4% YoY -4% YoY Liquidity coverage ratio 144% 1Q26 net fee in
Slide 3: Steady retail and wealth momentum boosted by franchise expansion
Steady retail and wealth momentum boosted by franchise expansion Retail banking Wealth income Card billings CASA +6% YoY +7% YoY +10% YoY AUM Invested AUM S$198 billion 1Q26: 42% +5% YoY (1Q25: 40%) 3
Slide 4: Wholesale banking and Global Markets drive stable growth through connectivity and capabilities
Wholesale banking and Global Markets drive stable growth through connectivity and capabilities Wholesale banking Wholesale banking loans growth CASA +4% YoY +10% YoY Trade loans growth Wholesale banking +19% YoY customer treasury income +11% YoY 4
Slide 5: Executing strategies to deliver sustainable growth
Executing strategies to deliver sustainable growth • Harnessing a connected ASEAN franchise across retail, SME and wholesale. • Shifting towards fee-led growth anchored on connectivity, lifestyle and wealth. • Scaling wealth through strengthened capabilities; driving FDI and regional growth through
Slide 6: Supporting customers as they navigate uncertainty
Supporting customers as they navigate uncertainty 2026 outlook • Low single-digit loan growth • Full-year NIM of 1.75% - 1.80% • High single-digit fee growth • Low single-digit operating cost growth • Total credit costs at 25-30 basis points 6
Slide 7: Right By You
@ Right By You