Business banking Segment

http://www.uob.com.sg/business/business_loans_credit/credit_card.html This segment caters to the requirements of small business. UOBs Business Banking segment was big support to small businesses during the economic turmoil. In 2009, the company introduced the Government Assistance Scheme where it worked with government agencies to help its clients with extension of government loans. The various offerings in this segment are: Deposits: UOB offers its business clients with a Current Account facility that has checking facilities and services such as Business Internet Banking and Phone Banking Investment Solutions: based on the risk appetite of the client, UOB suggests some investment options to its clients - Fixed deposits: The clients can choose form a wide range of deposits having varied tenures. These fixed deposits can be in both Singapore Dollar or Foreign Currency - Structured Deposits: Combinations the merits of a conventional fixed deposit and derivatives instruments on one or more assets such as equities, interest rates, bonds, currencies and commodities - MaxiYield: Is a foreign exchange-linked structured product and is also known as a Dual Currency Investment. This plan provides an opportunity for the client to get higher returns on their base currency invested Business Loans and Credit: The bank assists small business in meeting their short and long term financial requirements such purchase of new machinery or premises etc - Overdraft Facility: Enables the clients to get extra funds other than their account balance with the facility of anytime repayment and interest being charged on only the amount used - The UOB Platinum Business Card: Provides the client with business with financial flexibility and offers savings on business expenses. This card also offers many privileges and benefits which are essential for incurring business expenses. It also offers a working capital line that caters to the growing business needs and gives 0.3% rebate on the clients monthly business expenses - Business Property Loan: Financing is available for various types of business premises, including office unit, shop unit, shop house, factory and warehouse. In addition to this the clients can also choose to combine it with working capital requirements such as an overdraft facility for maximum flexibility

- Hire Purchase Financing: UOB Business Banking provides hire purchase financing for a wide range of machinery, equipment and commercial vehicles that are used in carrying out of the business. While the bank becomes the legal owner of the asset, the client would remain the hirer till they can repay the loan full

Trade Finance: UOB supports its clients in their domestic and international transactions in order to help them expand they reach globally. These services can be availed by both Importers and exporters Trade for Importers: Services offered are Import Letter of Credit, Import Documentary Collection, Shipping Guarantee, Trust Receipt/Import Invoice Financing and Standby Letter of Credit (SBLC) Trade for Exporters: Services offered range from Export Letter of Credit (LC) Confirmation, Export Letter of Credit, Discounting/Negotiation and Banker's Guarantee

Government Assistance Scheme: UOB works in coordination with Standards, Productivity & Innovation Board (SPRING Singapore) & International Enterprise Singapore (IE Singapore) to assist its customers in accessing the latest government funding schemes for small and medium-sized businesses LEFS Equipment Loan: The Local Enterprise Finance Scheme (LEFS) Equipment Loan Scheme can be availed to automate and upgrade your business premises, purchase new equipment or finance existing equipment LEFS Bridging Loan: This scheme is designed to meet short-term financing needs of the clients business by supplementing the working capital requirement needs LEFS Micro Loan: This scheme is helps companies that have 10 employees or less to get a funding of up to S$100,000, which can be used to meet their working capital needs Loan Insurance Scheme (LIS): Under LIS and the accompanying complementary programme LIS+ risks are co-shared with 75% risk borne by the insurers which in turn lowers any default risk Under LIS, the sponsors - IE Singapore & SPRING Singapore absorb 80% of the total insurance payable to the insurers whilst the business owner pays for the remaining 20%

Business Internet Banking: UOBs internet banking platform provides online services in the following areas like Cheque Services, Bill Payment, Bulk GIRO Collection / Payment, Electronic Payments, Fixed Deposit Placement, Foreign Exchange Rate Booking and Trade Services

 Payments and Collection Services: UOB has a wide range of products and services can be customised to provide the clients business with payment and collection solutions to help them to effectively manage their business cash flow. They can choose from the following option: GIRO, Telegraphic Transfer: Through UOB Business Internet Banking, the clients can make GIRO payments any other bank account. They can also make overseas payment through SWIFT or local currency same day transfers via MAS Electronic Payment System (MEPS); Foreign Exchange Service: Such as Spot & fixed forward, optional delivery forward, Swap basis, Asian Non-Deliverable Forward (NDF), Currency & Trigger Related Option, Long-term FX Forward and Par Forward (FX) are also offered by the bank Cashier's Order & Demand Draft: The Business banking clients of UOB can purchase a Cashier's Order (S$) or a Foreign Currency Demand Draft at any UOB branch Bulk Payment: UOB clients can issue multiple payments to the company through a single instruction. They can send payment instructions using the UOB Business Internet Banking platform. Bulk Payment options are as follows: Bulk Payment (for supplier and vendor payments via GIRO, Cashier's Order or Cheque); Bulk Payroll (for salary crediting via GIRO); and GIRO with Beneficiary Advice (notifying your suppliers via email of successful payments made to them Business Insurance: UOB provides Businesses with an insurance cover manage their business risks. The offerings in this segment are- Packaged Insurance and Machinery All-Risks Insurance

Corporate Banking Segment

The bank offers banking solutions to large corporates, multinational corporations, non-bank financial institutions and statutory boards. The services comprise of the following: Deposits: UOB Corporate banking clients can avail different types of deposits available such as Current Accounts, Singapore Dollar Fixed Deposit, Foreign Currency Fixed Deposit, Global Currency Account, UOB BusinessPLUS Loans: The financing options for corporate clients are Real Estate Financing, Performance Bonds & Guarantees, Stocks & Shares Financing, Debt Capital Market Products, Structured Finance / Asset Securitisation

 Cash Management: Corporates can utilize UOBs cash management solutions to effectively manage their working capital to maximize returns. The options available are Account Information Management, Payables Management, Receivables Management, Channels Management, Liquidity Management, COE Open Bidding, Chinese Yuan Cross-Border Trade Settlement Service Chinese Yuan Account Services: UOB offers its corporate customer the facility of operating a Chinese Yuan account. This account acts as a facilitating agent for trade transactions between the corporate clients and the eligible enterprises Investments: The corporate banking segment offers various investment vehicles such Structured Deposits, Equity-Linked Notes, MaxiYield, Fund Selector, UOBAM Unit Trusts, Third Party Unit Trusts to its clients Insurance: UOB Corporate clients can insure their business assets against loss or accidents, natural disasters or other unfortunate events by taking up general insurance plans. UOB Life Assurance also offers its Corporate clients comprehensive products which are designed to accommodate a range of employersponsored group insurance needs Custody Services: UOB offer a wide range of services to meet its clients custodial needs including Trade Settlement, Safekeeping of Securities, Registration of Physical Securities, Cash Reporting, Corporate Action Announcements and Processing, Income Collection (eg. Dividends and Interest), Proxy Voting Foreign Exchange, Statements and Transaction-related Reporting (eg. Securities Settlement, Settled and Outstanding Trade Reports) Over the years the company has a earned a good reputation for itself and has been awarded for the same by the Global Finance

Trade Finance & Services: The company provides a variety of finance solutions companies engaged in international and domestic trade transactions. The product suite comprises of Letters Of Credit, Documentary Collections, Banker's guarantees, Standby Letters Of Credit and Open Account transactions Treasury Services: UOB offers competitive rates for all the currency transactions, deals in various facets of future trading, precious metals like gold and silver. The company also offers treasury bills and government bonds issued by the Monetary Authority of Singapore Foreign exchange services such as on spot, forward and swap basis are offered to assist the clients in their trading needs and funding requirements

UOBs Cross currency swap is an agreement to exchange interest payments in one currency by the ones denominated in another currency Interest Rate Swap (IRS) enables a firm to create a fixed interest rate on its loan by pay fixed and receive a floating rate

Credit Cards: A host of credit cards are available for the corporate banking clients of UOB. The various cards issued are the UOB Corporate Card, UOB Purchasing Card, UOB Travel Account, UOB Distribution Card Government Services: The Bank provides assistance to its clients in paying fee to government agencies, getting licenses and paying fines etc through its online platform

eBanking: UOB Business Internet Banking(BIB) offer the clients full control of their online transactions by providing them with anytime access to their accounts - COE open bidding: UOBs Open Certificate of Entitlement bidding service (OCOE) provides clients with a secure online platform to bid for Certificates of Entitlement (COE) for vehicles during bidding exercises conducted by the Land Transport Authoritys (LTA) - Electronic Bulk Services (EBS): This service by UOB provides corporates houses with a secure host-to-host connection to exchange files/documents between the bank and the client for processing. This way transmitting high transaction volume payment and collection files to the bank can happen in a speedy manner - Phone banking: The Companys phone banking allows the clients to check balance, enquire check status, stop check payments, report loss of cards etc. UOBs corporate account holders can avail this service for free

Commercial Banking
This segment concentrates on the Small & Medium business and provides them with financial solutions to run their business smoothly. UOB was named the Best SME Bank in Asia Pacific at The Asian Banking and Finance Retail Banking Awards 2009. Its offerings in this segment are:

Deposits: UOB provides deposit facility in the form of Current Accounts, Singapore Dollar Fixed Deposit, Foreign Currency Fixed Deposit, Global Currency Account, UOB BusinessPLUS Account to its SME clients Loans: The Company provides Commercial loans and also assists the businesses through Government assistance schemes. Commercial Loans: By UOB help the SME segment client in meeting their short-term financing or long-term investment requirements. They range from Working Capital Financing, Trade Financing, Commercial

and Industrial Property Financing, Vehicle Financing, Machinery and Equipment Financing Government Assistance Schemes: UOB helps the small business in Singapore to expand and upgrade their existing set-up by facilitating low-cost government assistance schemes. These include- Local Enterprise Finance Scheme, LEFS Micro Loan Scheme, LEFS Bridging Loan, Internationalisation Finance Scheme and Loan Insurance Scheme Cash Management: This suit of services by UOB helps the SME client manage its working capital efficiently. It comprises of Account Information Management, Payables Management, Receivables Management, Channels Management, Liquidity Management, COE Open Bidding and Chinese Yuan Cross-Border Trade Settlement Service

Chinese Yuan Account Services: UOB offers its small business customer the facility of operating a Chinese Yuan account. This account acts as a facilitating agent for trade transactions between the corporate clients and the eligible enterprises Investments: The commercial banking segment offers various investment vehicles such Structured Deposits, Equity-Linked Notes, MaxiYield, Fund Selector, UOBAM Unit Trusts, Third Party Unit Trusts to its clients Insurance: UOB Commercial Banking clients can insure their business assets against loss or accidents, natural disasters or other unfortunate events by taking up general insurance plans. UOB Life Assurance also offers its Corporate clients comprehensive products which are designed to accommodate a range of employersponsored group insurance needs Custody Services: UOB offer a wide range of services to meet its clients custodial needs including Trade Settlement, Safekeeping of Securities, Registration of Physical Securities, Cash Reporting, Corporate Action Announcements and Processing, Income Collection (eg. Dividends and Interest), Proxy Voting Foreign Exchange, Statements and Transaction-related Reporting (eg. Securities Settlement, Settled and Outstanding Trade Reports) Over the years the company has a earned a good reputation for itself and has been awarded for the same by the Global Finance

Trade Finance & Services: The company provides a variety of finance solutions for companies engaged in international and domestic trade transactions. The product suite comprises of Letters Of Credit, Documentary Collections, Banker's guarantees, Standby Letters Of Credit and Open Account transactions

 Treasury Services: UOB offers competitive rates for all the currency transactions, deals in various facets of future trading, precious metals like gold and silver. The company also offers treasury bills and government bonds issued by the Monetary Authority of Singapore Foreign exchange services such as on spot, forward and swap basis are offered to assist the clients in their trading needs and funding requirements UOBs Cross currency swap is an agreement to exchange interest payments in one currency by the ones denominated in another currency Interest Rate Swap (IRS) enables a firm to create a fixed interest rate on its loan by pay fixed and receive a floating rate

Credit Cards: A host of credit cards are available for the commercial banking clients of UOB. The various cards issued are the UOB Empire World MasterCard for Business, UOB Platinum Business Visa/MasterCard, UOB Distribution Card eBanking: UOB Business Internet Banking(BIB) offer the clients full control of their online transactions by providing them with anytime access to their accounts - COE open bidding: UOBs Open Certificate of Entitlement bidding service (OCOE) provides clients with a secure online platform to bid for Certificates of Entitlement (COE) for vehicles during bidding exercises conducted by the Land Transport Authoritys (LTA) - Electronic Bulk Services (EBS): This service by UOB provides SMEs with a secure host-to-host connection to exchange files/documents between the bank and the client for processing. This way transmitting high transaction volume payment and collection files to the bank can happen in a speedy manner - Phone banking: The Companys phone banking allows the clients to check balance, enquire check status, stop check payments, report loss of cards etc. UOBs corporate account holders can avail this service for free

Financial Institutions Group

The Financial Institutions Group (FIG) at UOB serves as the global relationship manager for financial institutions and supports Global Markets and the companys subsidiaries in counterparty activities and funding arrangements The services available through this group are :

 Global Bank Risk Trade Finance : Leveraging the companys experience in the Asian market, the bank has created a team within the Financial Institutions Group that is primarily engaged in origination, distribution and participation of trade papers Cash Management: UOB cash management solutions help the institutions help outsource the following tasks such as Clearing and Payment Services, CLS SGD Nostro Services, Cheque Services, SGD Cash Letter Service, Clean Collections, Outsourcing Solutions, Liquidity Management, Notional Pooling, Cash Sweeping, Channel Management Trade Services: The company has over 60 years of experience in trade services and offers its clients services such as - Advising of Letters of Credit & Confirmation of Letters of Credit Custody Services: UOB offer a wide range of services to meet its clients custodial needs including Trade Settlement, Safekeeping of Securities, Registration of Physical Securities, Cash Reporting, Corporate Action Announcements and Processing, Income Collection (eg. Dividends and Interest), Proxy Voting Foreign Exchange, Statements and Transaction-related Reporting (eg. Securities Settlement, Settled and Outstanding Trade Reports) Treasury Services: UOB offers competitive rates for all the currency transactions, deals in various facets of future trading, precious metals like gold and silver. The company also offers treasury bills and government bonds issued by the Monetary Authority of Singapore - Foreign exchange services such as on spot, forward and swap basis are offered to assist the clients in their trading needs and funding requirements - UOBs Cross currency swap is an agreement to exchange interest payments in one currency by the ones denominated in another currency - Interest Rate Swap (IRS) enables a firm to create a fixed interest rate on its loan by pay fixed and receive a floating rate Insurance: UOB Commercial Banking clients can insure their business assets against loss or accidents, natural disasters or other unfortunate events by taking up general insurance plans. UOB Life Assurance also offers its Corporate clients comprehensive products which are designed to accommodate a range of employersponsored group insurance needs . -

Global Markets: UOBs Global Markets offers a wide range of treasury

products and services, including foreign exchange, money market, fixed income,

derivatives, margin trading, futures broking, as well as an array of structured products Apart from having a strong foothold in Singapore, the company also has strong presence in Vietnam, Indonesia, Thailand and China UOB is the only bank in Singapore to offer a comprehensive range of gold investment products

Investment Management: The Investment Management division at UOB

comprises the proprietary, third-party asset management, private equity and venture capital businesses. Global investment management services are provided through the companys subsidiaries in Singapore, Malaysia, Thailand, Brunei, Japan, China, Taiwan, France and USA who cater to institutions, corporations and individuals by offering them a suite of investment products UOBs asset management arm is known as UOB Asset Management (UOBAM) Specialist Teams The company has specialist team catering to specific products and industries in turn giving better support to clients Transaction Banking: Offers end-to-end solutions to support customers supplychain management needs. The company has on-the-ground teams in Singapore, China, Malaysia and Thailand. UOBs direct-clearing membership, backed by its branch network in these countries, enables it to provide a wide range of payments, collections, trade and custody services to companies and financial institutions Structured Trade & Commodity Finance : UOB provides financing for commodity trading which includes shipment sales financing, stock and receivables financing, structured trade for pre-shipment, prepayment and preproduction financing as well as tolling arrangement financing. The main areas of focus are Metals, Energy and Agriculture

 Ship Finance: During 2009, UOB supported the maritime industry under the local government financing schemes by working jointly with International Enterprise Singapore and SPRING Singapore - UOB has also ventured into vessel and shipyard financing in Malaysia, Indonesia and China Debt Capital Markets : UOBs Debt Capital Markets Division structures, underwrites and syndicates a range of debt instruments customized to meet the financing needs of our corporate and institutional customers in the Asia-Pacific region Corporate Finance: UOB assists its clients in raising funds from the capital market through public listing, secondary placement, rights issue of shares or bonds, and equity-linked issues. It also provides corporate advisory on Mergers & Acquisitions and Corporate Restructuring