United Overseas Bank Limited · SGX:U11
United Overseas Bank — Q1 2025 Earnings Presentation
6 slides from United Overseas Bank's earnings presentation, May 2025
Slide 1: Navigating uncertainties from position of strength
Navigating uncertainties from position of strength CEO remarks Wee Ee Cheong, Deputy Chairman and Chief Executive Officer For the first quarter ended 31 March 2025 Private and Confidential
Slide 2: Financial strength to navigate macroeconomic uncertainties
Financial strength to navigate macroeconomic uncertainties Robust balance sheet Ample liquidity Prudent provisioning Transitional Liquidity coverage ratio Non-performing assets coverage Common Equity Tier 1 143% 90% 15.5% Net stable funding ratio Unsecured non-performing assets Fully-loaded 116% cov
Slide 3: Stable profits supported by diversified revenue drivers
Stable profits supported by diversified revenue drivers Resilient profits Diversified drivers Costs within guidance 1Q25 net profit 1Q25 net interest income 1Q25 cost-to-income ratio S$1.5 billion S$2.4 billion 42.6% unchanged YoY +2% YoY vs 44.6% a year ago 1Q25 net fee income S$694 million +20% Yo
Slide 4: Broad-based strength across wholesale and retail franchise
Broad-based strength across wholesale and retail franchise 1Q25 loan and trade-related 1Q25 wealth management fees income1 +28% YoY +25% YoY Loans growth +6% YoY 1Q25 customer-related 1Q25 gross credit card treasury income fees +11% YoY +11% YoY 1 Comprises wealth management fees and customer-relate
Slide 5: Pockets of opportunities amid uncertainties
Pockets of opportunities amid uncertainties • China-ASEAN and intra-ASEAN trade flows continue • Growing demand for hedging from clients • Healthy pipeline of infrastructure financing • Resume 2025 guidance when situation stabilises • Committed to our S$3 billion capital distribution plan 5
Slide 6: Right By You
@ Right By You