Investor Roadshow - United Overseas Bank

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One of the World’s Leading Credits and Well- Capitalized Banks Total Capital Adequacy Ratio (CAR) and Tier 1 CAR (1) 15.3% 15.7% 14.7% 10.9% 11.9% 10.8% 13.0% 12.2% 11.4% 9.2% 10.1% 8.3% UOB Citi JPMorgan Bank of America Deutsche HSBC Total CAR Tier 1 CAR Market Capitalization, Total Equity / Total Asset and Capital Raised (2) (in US$ billion) Market cap (4 Mar 2008) Market cap (4 Mar 2009) 48.8% 94.4% 45.7% 172.3 86.8% 66.7% 133.1 115.1 72.3 44.7 17.6 22.7 9.0 6.4 14.9 128.7 46.6% 68.7 UOB Citi JPMorgan Bank of America Deutsche HSBC Total Equity / Total Asset 8.5% 6.6% 7.7% 8.9% 1.4% 3.7% Capital Raised US$0.9bn US$109.2bn US$44.7bn US$78.5bn UOB’s capitalization levels and relative market value are at at par with renowned banks globally Source: Latest company financials, Bloomberg. Percentages refer to the percentage decline in market cap. Note: (1) Tier 1 CAR and Total CAR as of 31 December 2008. 18 (2) Market capitalization in US dollars. For non-US banks, uses exchange rate of USD:SGD 1.5478 as at 4 March 2009. US$5.8bn US$23.0bn
Sound Balance Sheet Position Stable & diversified customer loans portfolio (55% of assets or S$100 billion) • Spread out across countries, business segments and industries. Portfolio diversity remained stable • Credit quality intact with no major signs of deterioration. Maintain prudent approach • Diversification strategy continues Sound & diversified investment portfolio (14% of assets or S$26 billion) • 40% in government securities, mainly in Singapore • Remaining mainly investment-grade bonds (>75%). No concentration, performing. Held for longterm • Minimal exposure to CDOs and ‘structured’ assets Strong liquidity management • Loans-to-deposits ratio improved to 84.5% • Customer deposits up 10%; accounts for 81% of deposits from 77% in Dec 2007 Proven track record of conservative balance sheet management 19
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 and 16: South East Asia: Resilient Macroeco
Page 17: Agenda 11 Overview of UOB Group 22
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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