Investor Presentaiton

FY22 non-interest income at S$3.99b 41.5% 43.1% 44.7% 40.9% 33.4% 34.1% % of Group Income 20.5% 4,741 3,987 1,334 1,189 1,179 220 Non-interest Income (S$m) 1,140 1,058 1,053 763 423 Life & General Insurance 330 834 299 179 370 Net gains from investment 27 33 615 203 securities and others 152 225 267 194 66 Trading income 52 30 148 63 51 59 2,245 Dividends, rental and 1,851 property-related income 528 522 477 453 399 Net fees & commissions → OCBC Bank (51) (15) (57) (90) 4Q21 1Q22 2Q22 3Q22 4Q22 FY21 FY22 FY22 YOY -16% Non-interest income 4Q22 | YOY -42% QoQ -42% FY22 declined YoY from a drop in fee income and insurance profit while bond portfolio rebalancing drove investment losses ■■ 4Q22 profit from insurance lower largely from unrealised valuation losses due to unfavourable movement in discount rates used to value insurance contract liabilities (refer to slide 28) 14

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