United Overseas Bank — 1H 2025 Earnings Presentation

5 slides from United Overseas Bank's earnings presentation, Jun 30, 2025

Slide 1: Steady performance amid macro uncertainties
Steady performance amid macro uncertainties CEO remarks Wee Ee Cheong, Deputy Chairman and Chief Executive Officer For the first half ended 30 June 2025 Private and Confidential
Slide 2: Stable performance driven by diversified growth engines
Stable performance driven by diversified growth engines Resilient performance Driven by diversified Continue to operate from engines position of strength 1H25 operating profit 1H25 net interest income Common Equity Tier 1 S$4.0 billion S$4.7 billion 15.3% +3% YoY unchanged YoY Liquidity coverage rat
Slide 3: Pockets of opportunities amid uncertainties
Pockets of opportunities amid uncertainties • Focused on ASEAN’s long-term potential • Strong wholesale momentum in trade and treasury • Unlocking green, digital and infrastructure opportunities • Scaled up retail franchise post-Citi acquisition; focus now on deepening customer engagement • Building
Slide 4: Delivering stable and balanced growth
Delivering stable and balanced growth 2025 outlook • Full-year NIM of 1.85% - 1.90% • Low single-digit loan growth • High single-digit fee growth • Flat operating expenses • Net credit costs at 25-30 basis points; expect to top up general provisions buffer 4
Slide 5: Right By You
@ Right By You