United Overseas Bank Limited · SGX:U11

United Overseas Bank — Smartkarma Corporate Webinar (May 2022)

23 slides from United Overseas Bank's conference presentation, May 2022

  1. Slide 1: Smartkarma Corporate Webinar: UOB: A Safe Harbour in ASEAN

    Smartkarma Corporate Webinar UOB: A Safe Harbour in ASEAN May 2022 Discla imer: The mater ial in th is pr ese ntat ion conta ins g enera l b ackgro und informat ion a bout Un it ed Overse as Ba nk L im ited (“UO B”) and its act ivit ies a s at the date of the presentat ion. The informat io n is g iv

  2. Slide 2: Agenda

    1. UOB Group overview Agenda 2. UOB’s strategy 3. UOB: The story in numbers 4. Summary 5. Q&A 2

  3. Slide 3: UOB Group overview

    UOB Group overview 3

  4. Slide 4: UOB Overview

    UOB Overview Founding Key Statistics for 1Q22 Founded in August 1935 by a group of Chinese ■ Gross loans : SGD320b (USD236b1) businessmen and Datuk Wee Kheng Chiang, ■ Customer deposits : SGD362b (USD267b1) grandfather of the present UOB Group CEO, Mr. ■ Loan / Deposit ratio : 87.3% Wee Ee Cheong ■

  5. Slide 5: A leading Singapore bank; Established franchise in core market segments

    A leading Singapore bank; Established franchise in core market segments Group Retail Group Wholesale Banking Global Markets  Best Retail Bank in Singapore  Best SME Bank in Singapore  Strong player in Singapore  Strong player in credit cards and  Seamless access to regional dollar treasury inst

  6. Slide 6: Proven track record of execution

    Proven track record of execution  UOB Group’s management has a proven track record in steering the Group through various global events and crises  Stability of management team ensures consistent execution of strategies  Disciplined management style which underpins the Group’s overall resilience a

  7. Slide 7: Comprehensive regional banking franchise

    Comprehensive regional banking franchise Southeast Asia’s potential Extensive regional footprint with ~500 offices Population GDP Myanmar Greater China* 2 offices 27 offices (Million persons) (USD trillion) Thailand 153 offices Vietnam 581 667 726 6.3 5 offices 3.1 Malaysia 1.6 49 offices 2008 2020

  8. Slide 8: UOB’s strategy

    UOB’s strategy 8

  9. Slide 9: UOB’s strategic priorities

    UOB’s strategic priorities Capture cross-border Tap on rising regional Forge a sustainable future opportunities affluence  Deep and entrenched Asian  Leverage digital banking to acquire  Huge opportunities for green footprint enables UOB to capture customers at scale in a cost financing as urban

  10. Slide 10: Doubling scale with acquisition of Citi’s consumer banking businesses in four Southeast Asian markets

    Doubling scale with acquisition of Citi’s consumer banking businesses in four Southeast Asian markets Strategy: Tap rising affluence in Southeast Asia, acquire customers digitally using TMRW and engage our customers with our omni-channel capabilities as they move up the wealth continuum Serving ~5.3

  11. Slide 11: Consumers: Tapping on rising affluence and digital adoption in Southeast Asia

    Consumers: Tapping on rising affluence and digital adoption in Southeast Asia Driving Digital Adoption ~140k >80% Customers digitally Customers digitally acquired Scale UOB TMRW across ASEAN acquired across the across the region in 1Q22 in a cost-effective manner region by UOB TMRW in by UOB TMRW ar

  12. Slide 12: Wholesale: Strong regional franchise to capture cross-border opportunities

    Wholesale: Strong regional franchise to capture cross-border opportunities Strengthening Connectivity +11%1 2x Cross-border Growth in suppliers Across our ASEAN footprint income growth and distributors within and global network (formed 31%2 of financial supply chain Group Wholesale management soluti

  13. Slide 13: Forging a sustainable future with our customers in ASEAN

    Forging a sustainable future with our customers in ASEAN Sustainable financing SGD18b1 Total sustainability Ecosystem solutions offering Sustainable growth in priority financing portfolio2 end-to-end financing for sectors driving ASEAN progress energy-efficiency projects and EVs Responsible investme

  14. Slide 14: UOB: The story in numbers

    UOB: The story in numbers 14

  15. Slide 15: Growing loans without compromising asset quality

    Growing loans without compromising asset quality Loan book up >10x in 20 years with asset quality staying well managed despite macro challenges Net loans NPL ratio (S$b) (%) 350 12% 307 10.3% 300 10% 250 7.8% 8% 200 6% 150 4% 100 2% 1.6% 50 27 30 - 0% 1998 1999 2000 2001 2002 2003 2004 2005 2006 200

  16. Slide 16: Diversified loan portfolio

    Diversified loan portfolio Professionals Housing loans 23% Others and private 5% Transport, individuals General 8% storage and commerce communication 13% Industry 4% FIs, Building & investment construction Large and holding 28% corporates Others companies 14% Manufacturing and 12% institutions 8% Gr

  17. Slide 17: Funding our business with sticky customer deposits

    Funding our business with sticky customer deposits Customer deposits Customer deposit mix (S$b) (%) 400 Others, 5% 353 350 300 Current Fixed 250 accounts, 28% deposits, 39% 200 150 100 41 43 50 - 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

  18. Slide 18: Consistently delivering profits over the years

    Consistently delivering profits over the years UOB has remained profitable over the various economic cycles Total income NPAT (S$m) (S$m) 4,075 12,000 5,000 9,789 Oil price weakness 4,000 in 2014-15 10,000 3,000 8,000 2,000 913 760 6,000 1,000 4,000 1,903 1,788 - 1998 1999 2000 2001 2002 2003 2004 2

  19. Slide 19: Dividends in line with higher earnings

    Dividends in line with higher earnings Net dividend per ordinary share (¢) • Dividend per share (DPS) has increased significantly 1.40 1.30 1.20 1.20 over the years 1.00 1.20 • Shareholders can expect higher DPS as earnings 0.90 1.00 0.78 0.75 improve 0.75 0.70 0.70 0.70 0.60 0.80 0.60 0.60 • Comfor

  20. Slide 20: Summary

    Summary 20

  21. Slide 21: Why UOB?

    Why UOB? Integrated regional Balance growth with Stable management Strong fundamentals platform stability  Proven track record in  Entrenched domestic  Sustainable revenue  Continue to diversify steering the bank through presence and deep local channels as a result of portfolio, strengthen vario

  22. Slide 22: Questions & answers

    Questions & answers 22

  23. Slide 23: Thank You

    Thank You tt UOB RIGHT BY YOU

United Overseas Bank — Smartkarma Corporate Webinar (May 2022) on 6ix