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Investor Roadshow - United Overseas Bank

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Singapore Strategy<br />

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Maintaining housing loan market share in subdued environment<br />

Market leader in SME financing. Support government initiatives and remain committed to<br />

customers<br />

Opportunities in Corporate lending. Pricing power continues<br />

Asset quality intact - continued focus on quality credits and selective in portfolio management<br />

Well-positioned to seize opportunities, remain disciplined<br />

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