Financial StabilityUOB’s average loan-to-value (LTV) for office commercial real estate continues to be ~50%, providing a buffer in the event underlying collateral valuations collapse.
Revenue GrowthFee income will be the most significant driver from the successful integration of Citi portfolios, which will accelerate UOB’s expansion into ASEAN.
Strategic ExpansionUOB's acquisition of Citigroup’s consumer businesses in Indonesia, Malaysia, Thailand, and Vietnam allows it to accelerate, scale up, and deepen its ASEAN franchise.