Investor Roadshow - United Overseas Bank

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South East Asia Banking Sector: Stronger Fundamentals although Facing Headwinds in the Nearterm Stronger Banking Indicators Key structural issues related to weak financial systems and poor governance have been addressed Analysts estimate that while the environment will be challenging in the near term, it will not be as severe as the 1997 Asian financial crisis Asset quality deterioration and adequate provisioning remain the main concerns for the banking sector on the back of slower loan growth Banks are proactively looking to pre-emptively raise core capital to withstand current challenging market conditions Banks with robust capitalization are likewise seen to take advantage of potential strategic opportunities due to the market dislocation Total Equity / Total Asset Near-term Concerns on Asset Quality (Net NPLs, in %) 7.9 7.8 7.2 7.2 4.5 4.9 5.0 4.2 4.1 3.3 1.5 1.6 Singapore Malaysia Thailand Indonesia 2007 2008E 2009E Preserving Capital Positions (in %) (Total CAR, in %) 7.1 7.7 8.2 7.4 9.5 9.3 11.4 10.6 14.8 13.5 13.2 12.6 14.9 14.0 19.3 16.8 Singapore Malaysia Thailand Indonesia Singapore Malaysia Thailand Indonesia 2007 2008E 2007 2008E Source: Monetary Authority of Singapore, Bank Negara Malaysia, Bank Indonesia and Bank of Thailand. Note: Singapore bank ratios based on ratios of domestic banking units. Malaysia, Thailand and Indonesia ratios based on commercial banks ratios. NPL ratio in 2008 and 16 2009 based on research estimates. Capital ratio for Singapore in 2008 estimated based on the average total capital ratio of DBS, UOB and OCBC.
Agenda 11 Overview of UOB Group 22 Macroeconomic Outlook 33 UOB in the Challenging Environment 44 Growth and Regional Strategy 55 Conclusion 17
Page 1 and 2: UOB Group Strength and resilience w
Page 3 and 4: UOB Overview Founding Founded in Au
Page 5 and 6: Sustainable Profit Contribution fro
Page 7 and 8: Diversified Non-Interest Income Non
Page 9 and 10: Well-Diversified Loan Portfolio Gro
Page 11 and 12: High Dividend Rate While Maintainin
Page 13 and 14: Agenda 11 Overview of UOB Group 22
Page 15: South East Asia: Resilient Macroeco
Page 19 and 20: Sound Balance Sheet Position Stabl
Page 21 and 22: The Bright Spots Asian economi
Page 23 and 24: Strategic Focus Information Technol
Page 25 and 26: Singapore Strategy Maintaining
Page 27 and 28: Key Markets’ Developments and Str
Page 29 and 30: Creating Scale - Shared IT Platform
Page 31 and 32: Agenda 11 Overview of UOB Group 22

Investor Roadshow - United Overseas Bank

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