Investor Roadshow - United Overseas Bank
Investor Roadshow - United Overseas Bank
Investor Roadshow - United Overseas Bank
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Conservative Provisioning<br />
Non-Performing Loans (NPLs) (1)<br />
Impairment Charges on Loans<br />
(in S$ million)<br />
(in S$ million)<br />
8.0%<br />
5,484<br />
5.6%<br />
3,931<br />
4.0%<br />
3,165<br />
1.8% 2.0%<br />
36 bps<br />
235<br />
31 bps<br />
215<br />
19 bps<br />
142<br />
47 bps<br />
18 bps 33 bps<br />
324<br />
155<br />
1,713 2,062<br />
2004 2005 2006 2007 2008<br />
2004 2005 2006 2007 2008<br />
(1) Excluding debt securities<br />
NPL ($m) NPL Ratio (%)<br />
Individual impairment charges on loans / average<br />
gross customer loans (basis points)<br />
Total impairment charges on loans / average gross<br />
customer loans (basis points)<br />
UOB’s strong risk management framework and adoption of prudent provisioning policies have<br />
contributed to sound asset quality and adequate impairment coverage<br />
10
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