United Overseas Bank Limited · SGX:U11
United Overseas Bank — Non-Deal Roadshow (November 2004)
14 slides from United Overseas Bank's roadshow presentation, November 2004
Slide 1: Investor Update
Investor Update November 2004
Slide 2: Overview and Outlook
Overview and Outlook Financial Highlights Integration and Leveraging IT for Growth 1
Slide 3: Overview of Singapore Operations
Overview of Singapore Operations Positive outlook for Singapore banking sector ̶ Healthy economic expansion ̶ Modest loan increase with good operating leverage to provide growth Competitive dynamics continue to evolve, with foreign banks actively pursuing market share ̶ Remain focused on target segm
Slide 4: Strengthening UOB’s Southeast Asian Platform
Strengthening UOB’s Southeast Asian Platform Scale up existing operations in our three core SE Asian regional markets: Malaysia ̶ UOB’s second largest market after Singapore ̶ Contributed 14% of UOB’s net profit before tax(1) Thailand ̶ Scale increased four-fold with completion of Bank of Asia acqui
Slide 5: Approach to Capital Management
Approach to Capital Management Strong capital position ̶ Enhanced Tier II capital through a 2-tranche subordinated notes offer in August More financial flexibility for targeted regional expansion ̶ Track record of investing capital effectively, demonstrated by recent Bank of Asia deal ̶ Continue to
Slide 6: Overview and Outlook / Financial Highlights
Overview and Outlook Financial Highlights Integration and Leveraging IT for Growth 5
Slide 7: Financial Highlights
Financial Highlights (S$mn) 1Q 2004 2Q 2004 3Q 2004 9M 2003 9M 2004 Income Statement Net interest income 523 533 537 1,531 1,593 Non interest income 293 222 270 798 786 Total income 816 755 807 2,328 2,378 Total expense 268 280 315 806 863 Operating profit before goodwill 548 474 493 1,523 1,515 amo
Slide 8: Financial Highlights (cont’d)
Financial Highlights (cont’d) (S$mn) Sep 2003 Dec 2003 Mar 2004 Jun 2004 Sep 2004 Balance Sheet Total assets 108,017 113,446 117,523 116,805 126,566 Customer loans and advances 59,248 59,297 59,214 59,895 64,489 (net of cumulative provisions) Customer deposits 66,092 69,863 70,630 71,631 77,373 Tota
Slide 9: Managing Capital Position
Managing Capital Position Successfully completed S$2.7bn 2-tranche subordinated notes offer in August Capital Adequacy Ratio ̶ Expanded war chest for growth and (%) strategic acquisitions 18 16.1 Excess 16 0.8 Tier II Grow balance sheet asset organically and/or S$688mn through acquisitions 14 4.8 4.
Slide 10: Committed to Manage for Long Term Performance
Committed to Manage for Long Term Performance 2000 2002 Sep 04 2006 2010 Cash ROE (%) 13.5 9.5 12.2 15.0 20.0 Overseas profit 10.7 22.0 20.7 40.0 contribution* (%) Non-interest income 37.0 29.9 33.0 50.0 contribution (%) Our Mission: To be a Premier Bank in the Asia Pacific Region * Excludes ACU 9
Slide 11: Overview and Outlook / Integration and Leveraging IT for Growth
Overview and Outlook Financial Highlights Integration and Leveraging IT for Growth 10
Slide 12: Integrate & Leverage IT For Growth
Integration & Leverage IT For Growth Consolidate regional operating and IT infrastructure ̶ The objectives are to achieve: − Economies of scale; − Rapid deployment of products; − Consistency in service delivery and standards; and − Improved risk management ̶ We have hubbed the following: − Credit ca
Slide 13: Integrate & Leverage IT For Growth
Integration & Leverage IT For Growth Integrate Bank of Asia (BoA) & UOB Radanasin (UOBR) ̶ The Group’s immediate management focus is to integrate the 2 banks in Thailand ̶ Priority is to unify the operating platforms of the 2 banks ̶ The integration principles we adopt are: − To integrate first; re-
Slide 14: Disclaimer
Disclaimer This material that follows is a presentation of general background information about the Bank’s activities current at the date of the presentation. It is information given in a summary form and does not purport to be complete. It is not to be relied upon as advice to investors or potentia
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