United Overseas Bank — Q3 2021 Earnings Presentation

4 slides from United Overseas Bank's earnings presentation, Nov 3, 2021

Slide 1: Third Quarter 2021 Performance Highlights
itt UOB Third Quarter 2021 Performance Highlights 3 November2021 UOB’s 3Q21 net profit increases 4% QoQ Sustainable loan growth and stable asset quality despite macro uncertainties UOB Group (Group) has posted commendable — 3Q21key financial indicators —— financial results for the third quarter (3Q2
Slide 2: Financial performance
tit UOB Third Quarter 2021 Performance Highlights 3 November2021 Financial performance 9M21 9M20 YoY 3Q21 2Q21 QoQ 3Q20 YoY s$m s$m +/(-)% s$m s$m +/(-)% s$m +/(-)% 9 Net interest income 471 4,524 4 1,604 1,578 2 1,474 Net fee income 1,823 1,475 24 589 595 (I) 514 15 Others 822 929 (12) 259 243 7 27
Slide 3: Asset quality; Capital, funding and liquidity positions
tit UOB Third Quarter 2021 Performance Highlights 3 November2021 Asset quality Allowance coverage 39 37 7 35 34 Asset quality was resilient with the ———~_2 non-performing loan (NPL) ratio stable at 10 10 10 10 10 1.5%. Total credit costs stayed at 20 bps. Allowance coverage remained strong with 4755
Slide 4: Financial Highlights
tit UOB Third Quarter 2021 Performance Highlights 3 November2021 Financial Highlights 9M21 9M20 +/(-)% 3021 2021 +/()% 3020 +/()% Selected income statement items (S$m) Net interest income 471 4,524 4 1,604 1,578 2 1,474 9 Net fee and commission income 1,823 1,475 24 589 595 (1) 514 15 Other non-inte