Company Profile For United Overseas Bank Limited

United Overseas Bank Limited (UOB or the Bank) is a Singapore-based bank. The Bank provides a range of financial services through its global network of branches, offices, subsidiaries and associates. The services offered by UOB include personal financial services, private banking, commercial and corporate banking, investment banking, corporate finance, capital market activities, treasury services, futures broking, asset management, general insurance, life assurance and stock broking services. UOB also has diversified interests in travel and leasing. UOB’s major banking subsidiaries are United Overseas Bank (Malaysia), United Overseas Bank (Thai), PT Bank UOB Indonesia, PT Bank UOB Buana and United Overseas Bank (China). As of December 31, 2008, the Bank had a network of over 500 offices in 18 countries and territories in Asia Pacific, Western Europe and North America. During the year ended December 31, 2008, UOB increased its stake in PT Bank UOB Buana to approximately 99%.

BRIEF: For the nine months ended 30 September 2009, United Overseas Bank's interest income decreased 24% to SP$3.96B. Net interest income after LLP decreased 22% to SP$1.71B. Net income decreased 14% to SP$1.38B. Net interest income reflects lower interest on deposits & loans and higher impairment on loans & other assets. Net income was partially offset by a decrease in staff costs related to IT and an increase in other operating income.