Investor Presentaiton
Consolidated Key Ratios
%
FY23
FY22
ΔΥΟΥ 3Q23 4Q23 AQOQ
Net Interest Margin (NIM)
4.4
4.0
0.4
4.3
4.3
Non-Interest Income / Operating Income
12.4
17.6
-5.2
8.3
11.9
3.6
Total Operating Expenses / Total Operating Income
71.0
71.1
-0.1
71.7
72.3
0.6
(BOPO)
Cost Income (CTIR)
Return on Assets (ROA)
44.3
44.0
0.3
46.5
43.6
-2.9
2.1
1.9
0.2
2.0
2.1
0.1
Return on Equity (ROE)
LoanDeposit (LDR)
12.0
10.5
1.5
11.6
11.8
0.2
83.8
77.2
6.6
77.6
83.8
6.2
Loan Funding (LTF) ¹)
82.5
75.1
7.4
75.6
82.5
6.9
CASA Deposit (CASA)
55.8
8 54.6
1.2
51.7
55.8
4.1
Non-Performing Loans (NPL) - Gross
1.6
2.4
-0.8
1.9
1.6
-0.3
Non-Performing Loans (NPL) - Net
0.6
1.0
-0.4
0.7
0.6
-0.1
Loan Loss Provision (LLP) / NPL
Net Open Position (NOP)
Capital Adequacy Ratio (CAR)
324.7
223.7
101.0
314.9
324.7
9.8
1.5
2.6
-1.1
4.0
1.5
-2.5
23.7
21.5
2.2
23.2
23.7
0.5
> OCBC
Notes:
1) Funding includes Customer Deposits, Subordinated Debt and Borrowings.
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