United Overseas Bank Limited · SGX:U11
United Overseas Bank — Q3 2025 Earnings Presentation
6 slides from United Overseas Bank's earnings presentation, November 2025
Slide 1: Resilient performance with sustained franchise growth
Resilient performance with sustained franchise growth CEO remarks Wee Ee Cheong, Deputy Chairman and Chief Executive Officer For the third quarter ended 30 September 2025 Private and Confidential
Slide 2: Steady performance driven by diversified growth engines
Steady performance driven by diversified growth engines Resilient operating profit Driven by diversified Strong balance sheet engines 3Q25 operating profit 3Q25 net interest income Common Equity Tier 1 S$1.9 billion S$2.3 billion 14.6% -3% QoQ -3% QoQ Liquidity coverage ratio 3Q25 fee income 143% S$
Slide 3: Strong franchise growth across wholesale banking, global markets and retail banking
Strong franchise growth across wholesale banking, global markets and retail banking Loans growth Trade loans growth Wholesale banking Wholesale banking +5% YoY +22% YoY CASA customer treasury income +4% YoY +9% YoY High-net-worth AUM Invested AUM 9M25 Wealth income Retail banking CASA $199 billion 3
Slide 4: Proactive move to strengthen balance sheet
Proactive move to strengthen balance sheet • Proactive move to boost provision coverage to reinforce resilience and flexibility to navigate headwinds • Total credit costs to normalise • Capital position remains healthy • Stand ready to support customers and seize strategic growth opportunities. • Co
Slide 5: Confident of sustaining long-term value
Confident of sustaining long-term value 2026 outlook • Low single-digit loan growth • Full-year NIM of 1.75% - 1.80% • High single- to double-digit fee growth • Low single-digit operating cost growth • Total credit costs at 25-30 basis points 5
Slide 6: Right By You
@ Right By You