Pillar 3 Quantitative Disclosure Report
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1 Pillr 3 Quntittive Disclosure Report For the First Hlf of 2016 United Overses Bnk Limited Incorported in the Republic of Singpore
2 INTRODUCTION This Pillr 3 quntittive report is prepred in ccordnce to the Monetry Authority of Singpore ( MAS ) Notice 637 on Risk Bsed Cpitl Adequcy Requirements for bnks incorported in Singpore. The disclosures re to fcilitte the understnding of the UOB Group s risk profile nd ssessment of the Group s cpitl dequcy. SUMMARY OF EXPOSURE AT DEFAULT () AND RISK WEIGHTED ASSETS (RWA) RWA b Credit Risk Internl Rtings-Bsed (IRB) Approch Corporte 140, ,778 Sovereign 34,747 1,334 Bnk 37,544 7,178 Residentil Mortgge 70,527 10,321 Qulifying Revolving Retil 6,698 2,121 Other Retil 20,359 4,584 Equity 1,623 5,905 Securitistion Totl IRB Approch 311, ,276 Stndrdised Approch b Corporte 10,338 9,922 Sovereign 2, Bnk 1, Regultory Retil 1, Residentil Mortgge 1, Commercil Rel Estte 2,624 2,661 Fixed Assets 3,005 3,005 Other Exposures 6,264 2,943 Totl Stndrdised Approch 28,782 20,756 Credit Vlution Adjustment 2,021 Centrl Counterprties 638 Investments pproved under section 32 of the Bnking Act (below threshold for deduction) 6,195 Totl Credit Risk 167,885 Mrket Risk Stndrdised Approch 20,779 Opertionl Risk Stndrdised Approch 13,059 Totl 201,723 Credit exposures under Advnced IRB Approch. Amount under Stndrdised Approch refers to credit exposure where IRB Approch is not pplicble, or portfolios tht will eventully dopt IRB Approch. Bsed on the Group s Totl RWA, the Group s minimum cpitl requirement s t 30 June 2016 is $20,172 million. 2 of 14
3 CREDIT RISK Credit risk is the risk of loss rising from ny filure by borrower or counterprty to meet its finncil obligtions when such obligtions fll due. The Group Credit Committee is delegted the uthority by the Bord of Directors to oversee ll credit mtters. It mintins oversight on the effectiveness of the Group s credit nd country risk mngement structure including frmework, people, processes, informtion, infrstructure, methodologies nd systems. Credit risk exposures re mnged through robust credit underwriting, structuring nd monitoring process. The process includes monthly review of ll non-performing nd specil mention lons, ensuring credit qulity nd the timely recognition of sset impirment. In ddition, credit review nd udit re performed regulrly to proctively mnge ny delinquency, minimise undesirble concentrtions, mximise recoveries, nd ensure tht credit policies nd procedures re complied with. Pst dues nd credit limit excesses re trcked nd nlysed by business nd product lines. Country risk rises where the Group is unble to receive pyments from customers s result of politicl or economic events in the country. These events include politicl nd socil unrest, ntionlistion nd exproprition of ssets, government repudition of externl indebtedness, nd currency deprecition or devlution. Credit exposure The Group s mximum exposure to credit risk of on-blnce sheet nd off-blnce sheet finncil instruments, before tking into ccount ny collterl held, other credit enhncements nd netting rrngements, is shown in the tble below: Averge End Blnces nd plcements with centrl bnks 33,160 24,368 Singpore Government tresury bills nd securities 6,736 6,542 Other government tresury bills nd securities 12,168 11,601 Trding debt securities 1,784 2,735 Plcements nd blnces with bnks 30,657 33,138 Lons to non-bnk customers 204, ,444 Derivtive finncil ssets 6,894 6,298 Investment debt securities 7,561 7,883 Others 4,627 6, , ,033 Contingent libilities 19,950 20,878 Commitments (excluding operting lese nd cpitl commitments) 138, ,735 Averge blnces re computed bsed on qurter-end exposure. 465, ,646 As fundmentl credit principle, the Group generlly does not grnt credit fcilities solely on the bsis of the collterl provided. All credit fcilities re grnted bsed on the credit stnding of the borrower, source of repyment nd debt servicing bility. Collterl is tken whenever possible to mitigte the credit risk ssumed. The vlue of the collterl is monitored periodiclly. The frequency of vlution depends on the type, liquidity nd voltility of the collterl vlue. The min types of collterl tken by the Group re csh, mrketble securities, rel estte, equipment, inventory nd receivbles. Policies nd processes re in plce to monitor collterl concentrtion. In extending credit fcilities to smll nd medium-sized enterprises, personl gurntees re often tken s form of morl support to ensure morl commitment from the principl shreholders nd directors. Corporte gurntees re often obtined when the borrower s credit worthiness is not sufficient to justify n extension of credit. 3 of 14
4 For internl risk mngement, greements such s the Interntionl Swps nd Derivtives Assocition Mster Agreements (ISDA) nd Credit Support Annex (CSA) hve been estblished with ctive counterprties to mnge counterprty credit risk rising from foreign exchnge nd derivtive ctivities. Such greements help to minimise credit exposure by llowing us to offset wht we owe to counterprty ginst wht is due from tht counterprty in the event of defult. Mjor On-blnce sheet credit exposures Lons to nonbnk customers (gross) Government tresury bills nd securities Plcements nd blnces with bnks Debt securities Totl Anlysed by geogrphy Singpore 119,891 6, , ,681 Mlysi 25,400 1,162 3,114 1,359 31,035 Thilnd 11,643 3,312 2, ,444 Indonesi 11, ,051 Greter Chin 24,376 1,400 13,781 1,145 40,702 Others 19,582 4,950 12,414 6,321 43,267 Totl 212,281 18,143 33,138 10, ,180 By borrower s country of incorportion / opertion (for non-individuls) nd residence (for individuls). Lons to nonbnk customers (gross) Government tresury bills nd securities Plcements nd blnces with bnks Debt securities Totl Anlysed by industry Trnsport, storge nd communiction 8, ,128 10,025 Building nd construction 48, ,086 Mnufcturing 16, ,852 18,555 Finncil institutions, investment nd holding compnies 11,778-33,138 3,913 48,829 Generl commerce 27, ,674 Professionls nd privte individuls 26, ,599 Housing lons 59, ,272 Government - 18, ,143 Others 12, ,583 14,997 Totl 212,281 18,143 33,138 10, ,180 4 of 14
5 Contingent libilities Anlysed by geogrphy Singpore 8,926 Mlysi 2,713 Thilnd 1,177 Indonesi 872 Greter Chin 2,781 Others 4,409 Totl 20,878 By borrower s country of incorportion / opertion (for non-individuls) nd residence (for individuls). Anlysed by industry Trnsport, storge nd communiction 686 Building nd construction 5,892 Mnufcturing 2,035 Finncil institutions, investment nd holding compnies 4,550 Generl commerce 6,139 Professionls nd privte individuls 135 Others 1,441 Totl 20,878 Commitments (excluding operting lese nd cpitl commitments) Anlysed by geogrphy Singpore 75,098 Mlysi 12,438 Thilnd 8,965 Indonesi 5,389 Greter Chin 18,948 Others 14,897 Totl 135,735 By borrower s country of incorportion / opertion (for non-individuls) nd residence (for individuls). Anlysed by industry Trnsport, storge nd communiction 4,143 Building nd construction 22,794 Mnufcturing 16,902 Finncil institutions, investment nd holding compnies 11,407 Generl commerce 44,442 Professionls nd privte individuls 19,613 Housing Lon 5,008 Others 11,426 Totl 135,735 5 of 14
6 Credit exposures by residul contrctul mturity The following tble shows the Group s credit exposures by remining contrctul mturities. Up to 7 dys Over 7 dys to 1 month Over 1 to 3 months Over 3 to 12 months Over 1 to 3 yers Over 3 yers No specific mturity Totl Blnces nd plcements with centrl bnks 6,754 5,255 2,982 3, ,273 24,368 Singpore Government tresury bills nd securities , , ,542 Other government tresury bills nd securities ,870 3,494 2,534 1, ,601 Trding debt securities , ,735 Plcements nd blnces with bnks 12,504 6,835 6,531 4, ,231 33,138 Lons to non-bnk customers 11,592 17,947 11,303 14,966 34, ,484 6, ,444 Derivtive finncil ssets ,298 6,298 Investment debt securities ,322 4, ,883 Others ,024 6,024 Totl 31,244 30,940 24,113 31,951 40, ,304 26, ,033 The mjority of the Group s off-blnce sheet credit exposures re short term commitments with mturity of 1 yer or less. Counterprty Credit Risk Exposures Gross positive fir vlue of contrcts 15,112 Netting effects (5,646) Exposure under current exposure method 9,466 Anlysed by type: Interest rte contrcts 3,805 Foreign exchnge contrcts nd gold 3,053 Equity contrcts 1,407 Credit derivtive contrcts 73 Precious metls nd other commodity contrcts 1,128 Collterl held Finncil Collterl (988) Others (13) Net derivtives credit exposure 8,465 6 of 14
7 Credit Derivtive Exposures Notionl mounts bought Notionl mounts sold Own credit portfolio Intermedition portfolio Totl credit defult swps Credit Exposures Secured by Eligible Collterl, Gurntees nd Credit Derivtives Amount by which totl exposures re covered by: Eligible Collterl Credit Protection b Stndrdised Corporte 2, Sovereign Bnk 6 - Retil Commercil Rel Estte 14 5 Others Stndrdised Totl 4, FIRB Corporte 19,981 b 13,089 Sovereign 1,451 - Bnk 4, FIRB Totl 26,059 13,138 Totl 30,434 13,338 The Group currently uses supervisory prescribed hircuts for eligible finncil collterl Include other eligible collterl of $14,450 million Credit Exposures Subject to Stndrdised Approch Net Exposures Risk Weights 0 to 35 7, to 75 2, nd bove 18,435 Totl 28,782 Net exposures fter credit mitigtion nd provisions 7 of 14
8 RWA bsed on the ssessments of ech recognized ECAI ECAI Moody s 615 S&P 224 Fitch 21 Totl 860 ECAI : Externl Credit Assessment Institution RWA Credit Exposures Subject to Supervisory Risk Weight under IRB Approch Specilised Lending Equity (SRW Method) Risk Weights 0 to 50 1, to 100 2, nd bove 1,127 1,403 Totl 5,035 1,403 SRW: Simple Risk Weight Securitistion Risk Weights 0 to Totl 33 Securitistion exposures purchsed CREDIT RISK PROFILE The following tbles show the brekdown of exposures by RWA nd using the respective internl rting scle for the model pplicble to the sset clsses: Lrge Corporte, SME nd Specilised Lending (IPRE) Exposures CRR Bnd PD Rnge Exposure-weighted Averge Risk Weights 1 9 Up to , , > ,702 14, Defult - 1,552 - Totl 102, , SME : Smll nd Medium-sized Enterprises IPRE : Income Producing Rel Estte CRR : Customer Risk Rting 8 of 14
9 Specilised Lending (CF, PF, SF nd UOB (Thi) s IPRE) Exposures CRR Bnd Exposure-weighted Averge Risk Weights Strong 1,240 1, Good 1,318 1, Stisfctory Wek Defult Totl 4,398 5, CF : Commodities Finnce PF : Project Finnce SF: Ship Finnce Sovereign Exposures CRR Bnd PD Rnge Exposure-weighted Averge Risk Weights 1 9 Up to ,075 34, > Defult - - NA Totl 1,334 34,747 4 Bnk Exposures CRR Bnd PD Rnge Exposure-weighted Averge Risk Weights 1 9 Up to ,808 31, > ,370 6, Defult - - NA Totl 7,178 37, Equity (PD/LGD Method) Exposures CRR Bnd PD Rnge Exposure-weighted Averge Risk Weights 1 9 Up to > Defult - - NA Totl PD: Probbility of Defult LGD : Loss Given Defult 9 of 14
10 Retil (Residentil Mortgge) Exposures Exposureweighted Averge Risk Weights Exposureweighted Averge LGD Undrwn PD Bnd Up to 1 4,284 51, ,518 >1 to 2 1,284 7, >2 4,373 10, Defult Totl 10,321 70, ,344 Retil (QRRE) Exposures Exposureweighted Averge Risk Weights Exposureweighted Averge LGD Undrwn PD Bnd Up to , ,938 >1 to , >2 1,567 1, Defult Totl 2,121 6, ,162 QRRE : Qulifying Revolving Retil Exposures Retil (Other Retil) Exposures Exposureweighted Averge Risk Weights Exposureweighted Averge LGD Undrwn PD Bnd Up to 1 1,597 13, ,120 >1 to , >2 1,947 4, Defult Totl 4,584 20, , of 14
11 Totl lons & dvnces (by performing nd non-performing) Performing Lons Neither pst due nor impired 203,591 Pst due but not impired 5,634 Non-Performing Lons 3,056 Totl Gross Lons 212,281 Specific Allownces 770 Generl Allownces 3,067 Totl Net Lons 208,444 Pst due but not impired Lons < 30 dys dys dys Totl Anlysed by pst due period nd geogrphy Singpore 2, ,614 Mlysi ,092 Thilnd Indonesi Greter Chin Others Totl* 4, ,633 By borrower s country of incorportion / opertion (for non-individuls) nd residence (for individuls). * Figure does not dd up to the respective totls due to rounding. < 30 dys dys dys Totl Anlysed by pst due period nd industry Trnsport, storge nd communiction Building nd construction Mnufcturing Finncil institutions, investment nd holding compnies Generl commerce Professionls nd privte individuls 1, ,309 Housing Lons 1, ,481 Others Totl* 4, ,633 * Figure does not dd up to the respective totls due to rounding. 11 of 14
12 Pst due non-performing ssets Current < 90 dys dys > 180 dys Totl Anlysed by pst due period nd geogrphy Singpore Mlysi Thilnd Indonesi Greter Chin Others Non-performing lon ,522 3,056 Debt Securities, contingent items nd others Totl ,565 3,164 By borrower s country of incorportion / opertion (for non-individuls) nd residence (for individuls) Current < 90 dys dys > 180 dys Totl Anlysed by pst due period nd industry Trnsport, storge nd communiction Building nd construction Mnufcturing Finncil institutions, investment nd holding compnies Generl commerce Professionls nd privte individuls Housing Lons Others Non-performing lon ,522 3,056 Debt Securities, contingent items nd others Totl ,565 3,164 Movements in specific nd generl llownces Blnce s t 1 Jnury 2016 Net Chrge to income sttement Write-off Exchnge & other movements Blnce t 30 June 2016 Specific Allownces* (192) (19) 770 Generl Allownces* 2, (4) 3,067 Totl 3, (192) (23) 3,837 * Figure does not dd up to the respective totls due to rounding. 12 of 14
13 Movement of specific llownces by industry Blnce s t 1 Jnury 2016 Net Chrge to income sttement* Write-off Exchnge & other movements Blnce t 30 June 2016 Trnsport, storge nd communiction (66) (11) 253 Building nd construction 56 3 (2) - 57 Mnufcturing (44) (3) 90 Finncil institutions, investment nd holding compnies 8 1 (4) - 5 Generl commerce (15) (4) 180 Professionls nd privte individuls (56) (1) 59 Housing Lons (3) - 85 Others 8 35 (2) - 41 Totl* (192) (19) 770 * Figure does not dd up to the respective totls due to rounding. Allownces for credit nd other losses Specific llownces on: Lons 253 Investments 6 Others (7) Generl llownces 26 Included in the llownces re the following: Bd debts written off 151 Bd debts recovery (41) * Figure does not dd up to the respective totls due to rounding. 278 MARKET RISK Cpitl requirements by mrket risk type under Stndrdised Approch: Anlysed by Risk Type Interest rte 761 Equity 21 Foreign Exchnge 824 Commodity 57 Totl 1,663 This comprises ll Trding Book, Non-Trding Commodity nd Non-Trding FX Exposures. 13 of 14
14 Equity Exposures in the Bnking Book The following tble shows the vlue of the Equity exposures under IRB Approch in the bnking book: SRW Method PD/LGD Method Exposure-weighted Averge Risk Weights Exposure-weighted Averge Risk Weights Listed securities Other equity holdings Totl 1, Note: The equity exposures re included in the investment securities tble below. Totl equity exposures tht were deducted from cpitl mounted to $56 million. Gins nd Losses Unrelised Gins/(Losses) Eligible s CET1 Cpitl Relised Gins/(Losses) during the Period Totl Investment securities Quoted securities Debt 6,026 Equity 793 Unquoted securities Debt 1,939 Equity 1,979 Allownce for impirment (175) Investment securities* 10,562 * Figure does not dd up to the respective totls due to rounding. BANKING BOOK INTEREST RATE RISK Interest rte risk is the impct to ernings nd economic vlue of the Group due to fluctutions in interest rtes. Interest rte exposure rises from differences in the mturity nd repricing dtes of ssets, libilities nd offblnce sheet items. These mismtches re ctively monitored nd mnged s prt of the overll interest rte risk mngement process which is conducted in ccordnce with the Group s policies s pproved by the ALCO. The economic vlue of equity ( EVE ) sensitivity t 100 nd 200 bsis points prllel interest rte shocks were negtive $81 million nd $139 million respectively, computed bsed on the worst cse of upwrd nd downwrd prllel shifts of ech yield curve. EVE is the present vlue of ssets less present vlue of libilities of the Group. The repricing profile of lons is generlly bsed on the erliest possible repricing dtes, tking into ccount the notice period to be served to the customers. Lon prepyment is estimted bsed on pst sttistics nd trends where possible nd mteril. Behviourl ssumptions bsed on historicl trends re pplied where pproprite, for deposits tht do not hve mturity dtes. There my be some differences in the ssumptions cross geogrphicl loctions due to vrition in locl conditions. 14 of 14
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