Basel III Pillar 3 Disclosure

Capital Disclosures

In compliance with the Basel II The Third Pillar – Market Discipline and the Bank of Thailand ('BOT') disclosure requirements, United Overseas Bank (Thai) – 'the Bank' has developed a set of disclosures on a solo basis for the positions as of 30 June 2011, compared to the last period, covering:

1. Capital Structure
2. Capital Adequacy
3. Minimum Capital Requirement by Risk Type.

The Bank assesses its capital adequacy to support current and future activities. The Bank has been approved from Bank of Thailand to adopt Foundation Internal Ratings-Based Approach ('FIRB') for credit risk capital computation since 30 June 2010. The following table represents the breakdown of the total regulatory capital as of 30 June 2011, compared with the positions as of 31 December 2010.

Capital Structure

The Bank is subject to the capital adequacy guidelines stipulated by BOT, which are based on the framework of Basel II. As per these guidelines, the Bank is required to maintain a minimum ratio of total capital to risk weighted assets of 8.50%. In addition, the ratio of Tier 1 capital to risk weighted assets cannot be less than 4.25% and Tier 2 capital cannot exceed Tier 1 capital.

As of 30 June 2011, the Bank Total Capital Adequacy Ratio was 18.03%, and the ratio of Tier 1 capital to risk weighted assets was 16.90%.

Risk Weighted Assets

The following table shows information of risk weighted assets and equivalent amount for risk weighted assets, categorized by types of risk. The position as of 30 June 2011, compares with the position as of 31 December 2010.

The Bank assesses its capital adequacy to support current and future activities. The Bank has been approved from Bank of Thailand to adopt Foundation Internal Ratings-Based Approach ('FIRB') for credit risk capital computation since 30 June 2010. The following table represents the breakdown of the total regulatory capital as of 30 June 2011, compared with the positions as of 31 December 2010.

Capital Structure