Investor Presentaiton

Bank OCBC NISP's Financial Highlights Bank OCBC NISP Net Interest Margin Cost-to-Income Profit and Loss 1/ (IDR'b) FY22 YOY 4Q22 YOY QoQ +73bps +19bps +22bps +0.8ppt -1.7ppt +0.6ppt Total Income 10,604 +9% 2,944 +21% +12% Operating 4,668 +11% 1,236 +23% +8% 4.43% Expenses 4.24% 43.7% 43.4% 44.0% 4.04% 41.2% 42.0% 3.70% 3.82% Allowances 1,722 -25% 719 -23% +108% 4Q21 3Q22 4Q22 FY21 FY22 4Q21 3Q22 4Q22 FY21 FY22 Net Profit 3,327 +32% 779 +61% -13% NPL ratio CASA ratio unchanged Balance Sheet 1/ Dec 22 YOY QoQ (IDR't) +0.1ppt +4.0ppt -6.1ppt Loans Deposits 138 +14% +5% 60.7% 2.4% 2.3% 2.4% 54.6% 50.6% 176 +5% +9% Dec 21 Sep 22 Dec 22 Dec 21 Sep 22 Dec 22 > OCBC Bank 1/ Based on entity reporting requirements. 31

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