Investor Presentaiton

Solid balance sheet position to support growth Loans-to-Deposits Ratio Group LDR (%) Funding Composition (%) 12% 5% Customer deposits Bank deposits 2% 83.6 83.3 S$435b Dec 22 81% Debts issued Capital and reserves Dec 21 Dec 22 Liquidity Capital All-ccy LCR (%) NSFR (%) Leverage ratio (%) CET1 CAR (%) 151 152 121 117 7.7 7.2 15.5 15.2 FY21 FY22 Dec 21 Dec 22 Dec 21 Dec 22 Dec 21 Dec 22 → OCBC Bank Balance sheet ■ Strong credit ratings affirmed with Aa1 rating from Moody's and AA- from both Fitch and S&P ■ Ample funding, liquidity and capital headroom to drive growth while maintaining flexibility to navigate challenges Stable funding base, more than 80% garnered from customer deposits ■ All regulatory ratios well above requirements 7

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