United Overseas Bank Group Full Year 2007 Briefing. Financial Highlights. Lee Wai Fai Chief Financial Officer. 27 February 2008
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1 United Overseas Bank Group Full Year 2007 Briefing Financial Highlights Lee Wai Fai Chief Financial Officer 27 February 2008 Disclaimer : This material that follows is a presentation of general background information about the Bank s activities current at the date of the presentation. It is information given in summary form and does not purport to be complete. It is not to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. This material should be considered with professional advice when deciding if an investment is appropriate. UOB Bank accepts no liability whatsoever with respect to the use of this document or its content. 1 Singapore Company Reg No Z
2 Agenda 11 Performance Review 22 Business & Geographical Segments 33 Loans, Deposits & Asset Quality 44 Review of Key Territories 55 Capital Management 2
3 Profit Growth 12.1 in FY / (-) Net interest income Non-interest income $m 2,980 1,892 $m 2,710 1, Total income 4,872 Less: Total expenses 2,018 Operating profit 2,854 Less: Intangible assets amortised 11 Impairment charges on loans 155 4,224 1,736 2, (10.3) 8.9 Other impairment charges Add: Share of profit of associates Less: Tax & minority interests Net Profit After Tax (NPAT) 2,109 1, NPAT Growth at constant FX rate 13.2 ^ 3 ^ Excluding one-time gain of $689m.
4 Quarter Performance Review 4Q07 3Q07 + / (-) 4Q06 + / (-) $m $m $m Net interest income Non-interest income Total income Less: Total expenses Operating profit Less: Intangible assets amortised Impairment charges on loans , , (30) (18.1) NM , (0.3) (25.9) 62.6 Other impairment charges Add: Share of profit of associates (4.2) Less: Tax & minority interests (17.7) 167 (21.5) Net Profit After Tax (NPAT) (5.7) NPAT Growth at constant FX rate NM: Not Meaningful
5 Improvement in Net Interest Income and Margin Net Interest Income and Margin ^ ^ ,155 2,348 2,710 2, Q06 1Q07 2Q07 3Q07 4Q07 Net Net Interest Income (NII) (NII)($m) ($m) NII NII from from Loans ($m) ($m) NII NII from from Interbank /Securities ($m) ($m) Net Net Interest Margin () () Loan Margin () () Interbank // Securities Margin () () ^ Excluding interest recovery 5
6 Strong Growth in Fee and Commission Income Non-Interest Income (Non-NII) and Non-NII Ratio , ,104 1, , ,003 1, Q06 1Q07 2Q07 3Q07 4Q07 Fee Fee Income Income ($m) ($m) Other Other Income Income **($m) ($m) Fee Fee Income Income // Total Total Income Income Ratio Ratio **() () Non-NII Non-NII // Total Total Income Income Ratio Ratio **() () * Excluding one-time income of $613m in
7 Continued Infrastructure Investments Operating Expenses and Expense / Income Ratio , , , , Q06 1Q07 2Q07 3Q07 4Q07 Operating Expenses ($m) IT IT Expenses ($m) Expense // Income Ratio **() () * Excluding one-time income of $613m in
8 Impairment Charges on Loans Remained Benign Individual Impairment on Loans Charged to Profit & Loss Account 36 bp 31 bp 19 bp 18 bp bp 29 bp 21 bp 16 bp ^ (30) (14) bp 4Q06 1Q07 2Q07 3Q07 4Q07 Individual Impairment Charges Individual Impairment Charges on on Loans // on on Loans ($m) Average Gross Customer Loans (basis points) ** 8 * On annualised basis for quarters
9 Strong Growth in Key Business Segments Business Segment / (-) Segment Operating Profit * $m $m Personal Financial Services (PFS) Institutional Financial Services (IFS) 1,375 1, PFS : 32 Other : (4) GMIM : 24 Global Markets & Investment Mgt (GMIM) IFS : 48 Other ^ (122) 94 (229.8) 2006 Total 2,854 2, PFS : 28 Other : 4 GMIM : 20 IFS : 48 * Before amortisation of intangible assets and impairment charges. ^ Excluding one-time income for 2006 and including unallocated expenses. 9
10 Strong Contribution from Singapore Geographical Segment Operating Profit * $m 2006 $m + / (-) At constant FX rate Singapore : 63 Malaysia : 13 Singapore (including ACU) 1,800 1,598 ^ Thailand : 5 Total Overseas Malaysia 1, Indonesia : 5 Greater China : 4 Other : 10 Thailand Indonesia Greater China (1.5) (18.2) 91.5 (11.3) (9.1) Singapore : 64 Other Malaysia : 13 Total 2,854 2, Thailand : 5 Indonesia : 6 * Before amortisation of intangible assets and impairment charges. ^ Excluding one-time income. Greater China : 3 Other : 9 10
11 Strong Growth in Loans and Deposits Customer Loans, Deposits and L/D Ratio Dec'06 Mar'07 Jun'07 Sep'07 Dec'07 Net Net Customer Loans ($b) Customer Deposits ($b) Loans // Deposits (L/D) Ratio () () 11
12 NPL Ratios Continue to Improve NPLs ($m) NPL Ratio 3,165 2,986 2,382 2, , , ,166 1, Dec'06 Mar'07 Jun'07 Sep'07 Dec'07 Singapore Malaysia Thailand Indonesia Other 12
13 Impairment Coverage Remained Strong ,508 1,237 2,523 1,250 2,112 1,972 1, ,271 1,273 1,276 1,272 1,270 Dec'06 Mar'07 Jun'07 Sep'07 Dec'07 Collective Impairment ($m) ($m) Individual Impairment ($m) ($m) Cumulative Impairment /Total NPLs () () Cumulative Impairment/Unsecured NPLs () () 13
14 Singapore (including ACU) A Good Year * + / (-) 4Q07 3Q07 + / (-) $ m $ m $ m $ m Net interest income 1,794 1, Non-interest income 1, Total income 2,946 2, Less: Total expenses 1, Operating profit 1,800 1, Less: Total impairment charges (6.7) 61 (13) NM Add: Share of profit of associates Net profit before tax 1,928 1, (6.7) 14 * Excluding one-time gain
15 Singapore (including ACU) Improvement in All Areas * + / (-) 4Q07 3Q07 + / (-) pt pt Net interest margin Non-NII / Total income Expense / Total income Customer loans (net) $ m 57,312 47, ,312 51, Loans / Deposits NPL ratio (1.7) (0.4) * Excluding one-time gain 15
16 Malaysia Strong Momentum / (-) 4Q07 3Q07 + / (-) RM m RM m RM m RM m Net interest income Non-interest income Total income 1,307 1, Less: Total expenses Operating profit Less: Total impairment charges Add: Share of profit of associates (33.3) (3) 9 (133.3) Net profit before tax (5.5) Net profit before tax (S$m) (5.5)
17 Malaysia Competitive but Growing / (-) 4Q07 3Q07 + / (-) pt pt Net interest margin (0.14) Non-NII / Total income (4.0) Expense / Total income (0.8) Customer loans (net) RM m 25,868 20, ,868 24, Loans / Deposits NPL ratio (2.1) (0.5) 17
18 Thailand Year of Consolidation / (-) 4Q07 3Q07 + / (-) THB m THB m THB m THB m Net interest income 6,645 6, ,767 1, Non-interest income 2,598 2,942 (11.7) Total income 9,243 9, ,415 2, Less: Total expenses 6,535 6, ,699 1, Operating profit 2,708 3,052 (11.3) Less: Total impairment charges 2,371 1, Add: Share of profit of associates (7) 18 (138.9) (2) (2) - Net profit before tax 330 1,257 (73.7) Net profit before tax (S$m) (71.2)
19 Thailand Growing Momentum / (-) 4Q07 3Q07 + / (-) pt pt Net interest margin (0.27) Non-NII / Total income (3.8) Expense / Total income (2.3) Customer loans (net) THB m 143, ,009 (1.5) 143, , Loans / Deposits (5.3) NPL ratio (6.4) (0.1) 19
20 Indonesia Good Progress / (-) 4Q07 3Q07 + / (-) IDR b IDR b IDR b IDR b Net interest income 1,384 1, Non-interest income (9.0) (2.5) Total income 1,687 1, Less: Total expenses Operating profit (9.1) (3.1) Less: Total impairment charges (29) 113 (125.7) (2) (40) 95.0 Net profit before tax (18.9) Net profit before tax (S$m) (4.0) (37.6) 20
21 Indonesia Competitive, but Strengthen Market Position / (-) 4Q07 3Q07 + / (-) pt pt Net interest margin (1.09) Non-NII / Total income (1.8) (0.6) Expense / Total income Customer loans (net) IDR b 18,143 14, ,143 16, Loans / Deposits NPL ratio (1.7) (0.2) 21
22 Strong Capital Position Capital Adequacy Ratios (CAR) Total CAR Tier 1 CAR ` Dec'06 Mar'07 Jun'07 Sep'07 Dec'07 Tier 1 Capital 11,888 12,451 12,382 12,210 12,461 Risk-Weighted Assets 108, , , , ,772 $m 22
23 Maintain High Net Dividend Rate Special Dividend in Specie Final Interim 22.8 cts 32.0 cts 32.0 cts 24.2 cts 12.3 cts 41.0 cts 45.0 cts 16.0 cts 16.0 cts 16.0 cts 16.4 cts Special Dividend - $351m * $369m $187m Cash Dividend $744m $737m $868m $929m Dividend Payout $744m $1,088m $1,237m $1,116m Dividend Payout Ratio * Dividend in specie of shares in United Overseas Land Limited. 23
24 In Summary Net profit grew 12.1 to reach $2.1 billion Growth in core business - NII and fee income Strong loan growth Continued discipline in expense control Improved asset quality High payout ratio 24
25 Update on CDOs Further reduction in CDO exposure with additional provision taken. 4Q07 Allowance Cumulative Allowance Dec 07 Sep 07 P/L Reserves P/L Reserves $m $m $m $m $m $m ABS Corporate Total Overall CDO exposure remains small (less than 0.2 of our balance sheet), and will not have a material impact on our performance. Archer, the Asset-Backed Commercial Paper managed by UOB, was wound down and fully redeemed as at 31 December
26 Update on CDOs (cont d) UOB Asset Management only manages clients money and does not have any direct investment in their books. CDOs under management have declined due mainly to maturity. Dec 07 $b Sep 07 $b ABS Corporate Total By March 2008, another $2.5 billion will mature. UOB Life has $43 million of corporate CDOs in Life Fund (not Shareholders Fund), of which $36 million will mature by March
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