Featured Artwork

Annual

Report

2018

Featured on UOB Annual Report 2018 Cover
"/" by Joanne Pang
Gold Award, Established Artist Category
2018 UOB Painting of the Year (Singapore)

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2018

Annual Report

Deputy Chairman

and CEO's Report

... in business, as in life, we are not always presented with binary choices to make. Under such circumstances, we need ... to strike the right balance between risk and reward, with the long-term view in mind.

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Wee Ee Cheong

Deputy Chairman and
Chief Executive Officer

2018

Annual Report

Ensuring

Sustainability For

The Long Term

2018

Annual report

Creating Value

For Our

Stakeholders

Customers

UOB’s heritage and values guide how we establish and deepen relationships with our customers wherever they are.

Customers

Colleagues

The decisions we make and the actions we take are guided by our values of Honour, Enterprise, Unity and Commitment.

Colleagues

Community

Enriching lives and strengthening societal bonds in our communities are fundamental to our business philosophy.

Community

2018

Annual Report

Financial

Highlights

Net interest
income
($ million)

Non-interest
income
($ million)

Non-interest
income/Total
income (%)

Total Income
Net profit after tax ($ million)

Net Profit After Tax
Loans
($ billion)

Deposits
($ billion)

Loan/Deposit
ratio (%)

Customer Loans/Deposits
Shareholders'
equity ($ billion)

Return on equity
(%)

Shareholders' Equity/Return on Equity
Total assets
($ billion)

Return on assets
(%)

Total Assets/Return on Assets
CET1 CAR
(%)

Total CAR
(%)

Capital Adequacy Ratio (CAR)
$ billion

Singapore 137

Malaysia 29

Thailand 17

Indonesia 11

Greater China 40

Others 27
Loans By Geography
Singapore 60.4%

Malaysia 12.5%

Thailand 5.8%

Indonesia 1.6%

Greater China 9.2%

Others 10.5%
Overseas Profit Before Tax Contribution

Financial Highlights

Full Financial Report

2018

Annual Report

Our International

Presence

Asia Pacific

Europe

North America

A global network of more than 500 branches and offices in
Asia Pacific, Europe and North America

Other Key Sections

Corporate Governance

Five-year Group Performance

Our Awards and Accolades in 2018

Investor Reference

Quick Links

www.uobgroup.com

Investor Relations

Full Annual Report 2018

Past Years' Annual Report

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Company Reg. No. 193500026Z. All Rights Reserved.

As part of our efforts to reduce our environmental footprint, we will no longer distribute our Annual report by way of a CD-rom. We would like to invite you to join us in our sustainability efforts and refer to the electronic Annual Report.

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Annual

Report

2018

Deputy Chairman

and CEO's Report

Wee Ee Cheong

Ensuring

Sustainability For

The Long Term

Value Creation

Strategic Priorities

Sustainability Approach

Creating Value

For Our

Stakeholders

Customers

Colleagues

Community

Financial

Highlights

Total Income

Net Profit After Tax

Customer Loans/Deposits

Shareholders' Equity/Return on Equity

Total Assets/Return on Assets

Capital Adequacy Ratio (CAR)

Loans By Geography

Overseas Profit Before Tax Contribution

Our International

Presence

A global network of more than 500 branches and offices inAsia Pacific, Europe and North America

Other Key Sections

Quick Links

A global network of more than 500 branches and offices in
Asia Pacific, Europe and North America