Slide 1: ASEAN franchise gaining momentum
ASEAN franchise gaining momentum CEO remarks Wee Ee Cheong, Deputy Chairman and Chief Executive Officer For the first half ended 30 June 2026 Private and Confidential
Slide 2: Wholesale Banking: Capturing growth through regional connectivity
Wholesale Banking: Capturing growth through regional connectivity Group Wholesale Banking ASEAN-4 income contribution ~27% Transaction banking’s 1H26 Trade loans 1H26 Wholesale banking contribution to wholesale +33% YoY CASA banking income +9% YoY ~50% FDI Advisory Unit >300 cross-border deals in la
Slide 3: Retail Banking: Building momentum through ASEAN scale
Retail Banking: Building momentum through ASEAN scale Group Retail ASEAN-4 income 1H26 Card income contribution +13% YoY ~35% 1H26 Wealth income 1H26 ASEAN-4 Wealth income +16% YoY +30% YoY 3
Slide 4: Growth priorities: Deepening customer relationships and capturing regional flows
Growth priorities: Deepening customer relationships and capturing regional flows • Unlock full value of retail franchise of more than 8 million customers • Accelerate wealth growth by investing in capabilities and expanding North Asia presence • Capture ASEAN trade and investment flows through trans
Slide 5: Right By You
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Slide 6: UOB Group Financial Updates
UOB Group Financial Updates Leong Yung Chee Group Chief Financial Officer For the First Half / Second Quarter Ended 30 June 2026 Private and Confidential. Disclaimer: This material that follows is a presentation of general background information about UOB’s activities current at the date of the pres
Slide 7: Accelerating and advancing our wealth ambitions
Accelerating and advancing our wealth ambitions Strategic divestment Strategic partnership with Allianz Global Investors ▪ Purchase consideration Strengthens wealth management franchise of $555 million ▪ Expands UOB's investment solutions and open-architecture offerings ▪ Pre-tax gain of ~$330 milli
Slide 8: Key Highlights
Key Highlights Net profit after tax • Second quarter 2026 net profit at $1.5 billion, 3% higher QoQ and 10% higher YoY. $1.5b + 3% QoQ + 10% YoY • Net interest income eased marginally, as net interest margin declined eight basis points from last quarter to 1.74% due to asset yield compression amid l
Slide 9: 1H26 net profit at $2.9 billion
1H26 net profit at $2.9 billion Resilient performance amid macroeconomic headwinds 1H26 1H25 YoY 2Q26 1Q26 QoQ 2Q25 YoY $m $m +/(-)% $m $m +/(-)% $m +/(-)% Net interest income 4,621 4,745 (3) 2,297 2,324 (1) 2,336 (2) Net fee income 1,302 1,330 (2) 665 637 4 636 5 Other non-interest income 1,094 1,0
Slide 10: Group Retail
Group Retail Selected income statement data Highlights 1H26 1H25 YoY $m $m % • PBT edged lower on modest pickup in expenses and credit costs, while RoRWA Income 2,574 2,583 (0) held up compared with the prior year 1 Lending, Deposits 1,388 1,551 (10) • Stable income reflects diversified retail franc
Slide 11: Group Wholesale Banking
Group Wholesale Banking Selected income statement data 1H26 1H25 YoY Highlights $m $m % • PBT was lower, stemming from the impact of lower interest rates and keen Income 2,913 3,254 (10) competition for quality assets, while credit costs rose from a lower base Transaction Banking 1,358 1,596 (15) •
Slide 12: Global Markets
Global Markets Year-on-year growth supported by lower cost of funds and sustained momentum in customer flows and trading activities Total income ($m) +15% 1,242 1,081 658 -11% Treasury Non-Customer 530 658 623 584 526 474 319 364 293 247 214 Treasury Customer1 551 584 279 303 260 294 290 1H25 1H26 2
Slide 13: Net interest income declined on loan margin compression, cushioned by asset growth
Net interest income declined on loan margin compression, cushioned by asset growth 2.33 Loan Margin (%) 2.11 2.27 2.12 2.17 2.16 2.05 Net Interest Margin (%) 1.96 1.78 1.91 1.82 1.84 1.82 Interbank & Securities Margin (%) 1.74 1.16 1.14 1.16 1.16 1.14 1.14 1.14 -3% 4,745 4,621 NII from Interbank & S
Slide 14: Net interest margin declined on lower asset repricing and surplus funds deployment
Net interest margin declined on lower asset repricing and surplus funds deployment Loan Margin (%) 2.40 2.16 2.05 Interbank & Securities 1.14 1.14 Margin (%) Net Interest Margin (%) 1.82 -0.05 -0.01 1.74 -0.02 1Q26 Asset Funding Volume/Mix 2Q26 repricing cost SGD -0.04 | 3M SORA average -0.07 USD -0
Slide 15: Record wealth fees underpinned 2Q26 performance, while loan related fees softened
Record wealth fees underpinned 2Q26 performance, while loan related fees softened 0% 1,724 1,730 Others ($m) 172 193 Credit Card ($m) 565 572 +2% 892 873 829 847 857 96 95 82 100 98 Wealth ($m) 401 462 296 288 284 284 321 188 218 219 243 203 Loan / Trade Related ($m) 586 502 274 282 223 256 246 1H25
Slide 16: Disciplined cost growth alongside investments in talent, technology and strategic priorities
Disciplined cost growth alongside investments in talent, technology and strategic priorities 45.2 46.4 45.3 44.9 44.3 44.5 43.5 Cost-to-income Ratio (%) +2% 3,095 3,152 Other expenses1 ($m) 758 741 +7% IT-related expenses ($m) 512 575 1,629 1,535 1,535 1,528 1,523 388 397 426 424 353 295 259 280 290
Slide 17: NPL ratio at 1.6% with new NPA formation reflecting one downgraded account
NPL ratio at 1.6% with new NPA formation reflecting the downgrade of one closely monitored real estate account 1.6 1.6 1.5 1.5 1.6 NPL ratio (%) Non-Performing 5,809 5,750 Assets 5,386 5,440 5,276 914 437 ($m) Rest of the world 736 739 461 Greater China 1,330 1,509 2,335 1,498 1,730 ASEAN-4 2,441 2,
Slide 18: 2Q26 total credit costs within expectation
2Q26 total credit costs within expectation 134 34 34 Total credit costs (bps) Specific credit costs (bps) 39 27 32 29 26 55 26 32 26 28 19 1,166 477 687 563 General allowance on loans ($m) 134 592 247 274 429 1 172 231 Specific allowance on loans ($m) 479 273 344 231 249 (59) (18) (115) (97) 1H25 1H
Slide 19: Provision coverage remained adequate with higher unsecured NPA coverage
Provision coverage remained adequate with higher unsecured NPA coverage 30 30 Specific allowance/NPA (%) 24 26 23 General allowance on loans include 0.8 1.0 1.0 1.0 0.9 RLAR/Performing loans (%) 5,787 379 5,268 5,251 5,056 4,765 379 379 379 RLAR ($m) 379 3,664 General allowance ($m) 2,776 3,557 3,50
Slide 20: Customer loans up 5% YoY and 2% QoQ
Customer loans up 5% YoY and 2% QoQ By Industry By Geography ($b) +5% +2% 6% 5% 343 351 352 354 361 Rest of the world 51 53 53 52 55 24% 25% Greater China 48 48 45 49 49 74 75 77 77 78 ASEAN-4 $361b Jun-26 Singapore 170 175 177 176 180 8% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 9% Note: Loans are classif
Slide 21: Healthy liquidity and funding positions supported by deposit growth
Healthy liquidity and funding positions supported by deposit growth 159 143 147 144 141 All-currency LCR (%) 118 116 116 115 114 Net Stable Fund Ratio (NSFR) (%) 83.7 82.5 81.7 81.9 81.7 Loan/Deposit Ratio (LDR) (%) 502 501 516 487 465 79 Wholesale Funding ($b) 1 67 76 75 60 FD & others ($b) 180 177
Slide 22: Robust capital position with CET1 ratio at 15.4% post dividend payout
Robust capital position with CET1 ratio at 15.4% post dividend payout 15.4 CET1 ratio (%) 15.3 15.1 15.3 14.6 CET1 ratio (%) – Fully Loaded 15.2 15.1 14.9 15.0 14.5 273 276 278 279 266 RWA ($b) Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Leverage ratio (%) 7.1 6.6 6.7 7.0 6.8 17
Slide 23: Delivering sustainable shareholder value through capital returns
Delivering sustainable shareholder value through capital returns Payout ratio1 (%) 50 50 50 50 Payout ratio including special 57 58 dividend1 (%) Share Buyback2 Dividend per ordinary share (¢) Returning $2 billion surplus capital to shareholders 205 Special 25 181 Shares Number of Programme 170 repu
Slide 24: In Summary
In Summary 2026 outlook Resilient performance Diversified franchise amid external uncertainty drives earnings stability Loans Low single-digit growth 2Q26 NPAT of $1.5b underpinned Full-year NIM by healthy business momentum, Strong growth in Retail Wealth 1.75% - 1.80% alongside non-recurring gains
Slide 25: Appendix
Appendix ▪ Exposure to Greater China ▪ Exposure to United States 20
Slide 26: Exposure to Greater China
Exposure to Greater China 2.3 2.1 1.9 1.8 1.6 General allowance on loans/Performing loans (%) 48 48 49 49 45 Customer Loans ($b) Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 NPL ratio (%) 2.7 3.1 3.3 3.5 4.8 NPA coverage (%) 57 78 60 57 42 Unsecured NPA coverage (%) 228 299 259 272 323 Note: Classification is
Slide 27: Exposure to United States
Exposure to United States 4.7 4.8 4.6 General allowance on 2.2 1.0 loans/Performing loans (%) 17 17 17 15 14 Customer Loans ($b) Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 NPL ratio (%) 4.2 4.0 3.0 1.5 1.2 NPA coverage (%) 67 69 106 233 269 Unsecured NPA coverage (%) 129 147 235 978 1,243 Note: Classificati
Slide 28: Right By You
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