United Overseas Bank Limited · SGX:U11

United Overseas Bank — FY2015 Earnings Presentation

9 slides from United Overseas Bank's earnings presentation, Feb 16, 2016

  1. Slide 1: Full Year 2015 Results

    Full Year 2015 Results Steady Growth in Client Franchise Income; Disciplined Balance Sheet Management 16 February 2016 Wee Ee Cheong Deputy Chairman and Chief Executive Officer 1

  2. Slide 2: Steady Growth Amid Volatility

    Steady Growth Amid Volatility  FY2015 profit broadly stable at $3.21bn  Net interest income higher, driven by growth in both loan volume and NIM – Loans: +4.0% YoY growth across industries and countries – NIM: +6bps to 1.77%  Non-interest income boosted by – Higher fee income (+7.7% YoY) and trad

  3. Slide 3: Disciplined Balance Sheet Management

    Disciplined Balance Sheet Management Assets:  Slight uptick in NPLs buffered by Others Inner circle: 2008 8% Outer circle: 2015 diversified portfolio with significant Investments allowances 3% – NPL ratio largely stable at 1.4% Government 11% 6% Customer – High general allowances-to-loans ratio 9%

  4. Slide 4: Wholesale Banking: Forging Ahead

    Wholesale Banking: Forging Ahead  Stronger wholesale banking income Wholesale Banking Business – Driven by stronger liability Gross Loans ($bn) Total Income ($m) management and cross-selling efforts +6% 4000 +10% +13% 4.00% +8% YoY +10% YoY 3500 YoY 3000 YoY 3.00% YoY  Investing and developing str

  5. Slide 5: Cash Management Maintains Strong Momentum

    Cash Management Maintains Strong Momentum  Growth in transaction Trade Loans Deposits banking income in 2015, CAGR CAGR despite lower trade loans +14% +21% 35% 37% 30% 33%  Strong cash management 39% 33% 41% performance 65% 48% 63% 61% 67% 70% 67% 59% – Invested in product 52% solutions and innova

  6. Slide 6: Retail Banking: Healthy Contributions

    Retail Banking: Healthy Contributions  Healthy retail banking1 income Group Retail Business despite challenging environment Gross Loans ($bn) Total Income ($m) +11% +3% 4000 +9% 3.00% +9% YoY +8% YoY  Growth of housing loan portfolio YoY 3500 2.50% YoY 3000 YoY 2.00% easing +10% 2500 2000 ROA3 1.5

  7. Slide 7: Digitalisation in 2015 - Enriched Customer Experience

    Digitalisation in 2015 - Enriched Customer Experience 1 Seamless connectivity 2 Analytics-driven 3 Innovation within & across channels for customer insights collaboration with superior customer Increase & improve Eco-system partners & experience & access customer engagement FinTechs to deliver custo

  8. Slide 8: Looking Ahead

    Looking Ahead  Confident of Asia’s fundamentals – Long-term growth drivers will continue to be underpinned by increasing connectivity, both physically and digitally – UOB’s regional network: a key competitive advantage in helping customers to expand  UOB’s strong balance sheet and fundamentals wil

  9. Slide 9: Thank you

    i} UOB Thank you

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