United Overseas Bank Limited · SGX:U11
United Overseas Bank — Investor Presentation (June 2026)
21 slides from United Overseas Bank's investor presentation, June 2026
Slide 1: SIAS Corporate Connect Webinar
SIAS Corporate Connect Webinar Steady performance driven by resilient core franchise June 2026 Discla imer: The materia l in th is presentation conta in s general ba ckgroun d informatio n about Un ite d Overseas Bank L im ite d (“UOB”) and its act ivit ies as at the date of the presentatio n. The i
Slide 2: Agenda
Agenda 1 Overview of UOB Group 2 Consistent Track Record 3 Core Business Drivers 4 Summary 5 Q&A 2
Slide 3: Overview of UOB Group
Overview of UOB Group 3
Slide 4: UOB Overview
UOB Overview Founding Key Statistics for 1Q26 Founded in August 1935 by a group of Chinese ■ Gross loans : SGD354b (USD274b1) businessmen and Datuk Wee Kheng Chiang, ■ Customer deposits : SGD427b (USD331b1) grandfather of the present UOB Group CEO, Mr. Wee ■ Loan / Deposit ratio : 81.9% Ee Cheong. ■
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 dollar ▪ Strong player in credit cards and ▪ Seamless access to regional treasury inst
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
Slide 7: Comprehensive regional banking franchise
Comprehensive regional banking franchise Extensive Regional Footprint 1Q26 performance by segment Myanmar Greater China1 Group Income 1 branch 20 branches Retail SGD198b2 Assets under Thailand 140 branches Vietnam 5 branches SGD1.3b management +5% YoY Malaysia Philippines -4% YoY 54 branches 1 branc
Slide 8: Consistent Track Record
Consistent Track Record 8 ## RESTRICTED ##
Slide 9: 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 Non-performing loans ratio 400 10.0% 348 9.0% 350 8.0% 7.8% 300 7.0% 250 6.0% (S$bn) (%) 200 5.0% 4.0% 150 3.0% 100 2.0% 1.5% 50 30 1.0% - 0.0% 20
Slide 10: Customer loans up 4% YoY, with modest QoQ growth
Customer loans up 4% YoY, with modest QoQ growth By Industry By Geography ($b) +4% +0% 5% 5% 341 343 351 352 354 Rest of the world 49 51 53 53 52 24% 25% Greater China 51 48 48 45 49 74 74 75 77 77 ASEAN-4 $354b Mar-26 Singapore 167 170 175 177 176 9% 9% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Note: Loan
Slide 11: Business largely funded by customer deposits
Business largely funded by customer deposits Customer deposits Customer deposit mix 450 426 400 Others 4% 350 300 Savings Fixed deposits 250 deposits 38% (S$bn) 31% 200 150 100 50 Current accounts - 27% 2000 2005 2010 2015 2020 2025 11
Slide 12: Consistently delivering profits over the years
Consistently delivering profits over the years UOB has remained profitable over various economic cycles Total income Net profit after tax 16,000 13,808 14,000 7,000 6,000 12,000 5,000 4,682 10,000 (S$mn) 4,000 (S$mn) 8,000 3,000 6,000 2,000 913 4,000 1,000 1,903 - 2,000 2000 2005 2010 2015 2020 2025
Slide 13: Dividends and share buyback for sustainable shareholder returns
Dividends and share buyback for sustainable shareholder returns Core Payout 1 49 50 50 50 ratio (%) Dividend per ordinary share (¢) Share Buyback2 205 Returning $2 billion surplus capital to shareholders 25 181 Special 170 25 Shares Number of Programme 135 repurchased shares Utilisation 85 92 71 Fin
Slide 14: Core Business Drivers
Core Business Drivers 14 ## RESTRICTED ##
Slide 15: Group Retail
Group Retail Selected income statement data 1Q26 1Q25 YoY Highlights $m $m % • PBT moderated by declining rates and market competition. Increased credit Income 1,288 1,336 (4) costs was in line with asset growth, while portfolio quality remained healthy. Lending, Deposits1 721 813 (11) Wealth 342 32
Slide 16: Group Wholesale Banking
Group Wholesale Banking Selected income statement data Highlights 1Q26 1Q25 YoY • PBT reflected lower rates backdrop alongside continued demand for high quality $m $m % Income 1,470 1,685 (13) assets, while portfolio quality was stable Transaction Banking 684 834 (18) • Close to half of GWB income c
Slide 17: Global Markets
Global Markets Record-high income driven by broad-based treasury demand, as well as liquidity and trading opportunities Total income ($m) +19% +39% 658 623 555 526 474 319 364 Treasury Non-Customer 284 247 214 Treasury Customer1 272 279 303 260 294 1Q25 2Q25 3Q25 4Q25 1Q26 Total Assets2 ($b) 142 143
Slide 18: Summary
Summary 18 ## RESTRICTED ##
Slide 19: Why UOB?
Why UOB? Stable Integrated regional Strong Balance growth management platform fundamentals with stability • Proven track record • Truly regional bank • Strong Common Equity • More than half of Group’s in steering the bank with full ownership and Tier 1 capital adequacy earnings from home through var
Slide 20: Q&A
Q&A 20 ## RESTRICTED ##
Slide 21: Right By You
@ Right By You
United Overseas Bank — Investor Presentation (June 2026) on 6ix