Investor Roadshow - United Overseas Bank

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Disciplined Cost Management Operating Expenses and Expense / Income Ratio (in S$ million) (in S$ million) 37.6% 37.9% 41.1% 41.4% 39.0% 43.6% 39.2% 36.4% 41.6% 39.4% 2,018 2,050 1,227 188 1,424 222 1,736 256 272 285 556 67 496 518 504 532 67 71 71 76 2004 2005 2006 2007 2008 4Q 07 1Q 08 2Q 08 3Q 08 4Q 08 Operating Expenses ($m) IT Expenses ($m) Expense / Income ratio (%) UOB has remained disciplined in in managing its costs 8
Well-Diversified Loan Portfolio Gross Customer Loans Breakdown Net Customer Loans / Loans-Deposits Ratio (in S$ million) Transportation / Storage / Communication 6% Manufacturing 10% Other 7% Housing Loans 23% 81.4% 64,300 78.5% 80.5% 67,142 76,875 86.6% 92,669 84.5% 99,840 Building / Construction 12% Financial Institutions 16% General Commerce 13% Professional & Private Individuals 13% Total: S$102,033 million 2004 2005 2006 2007 2008 Net Customer Loans ($m) Loans-Deposits Ratio (%) UOB has a well-diversified portfolio and has consistently grown its loan base over the years 9
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: Diversified Non-Interest Income Non
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 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

Investor Roadshow - United Overseas Bank

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