Investor Presentaiton

Record Group and Banking Operations Profit Group Performance Banking Operations Performance Performance overview (S$m) FY22 YOY 4Q22 YOY QoQ (S$m) FY22 YOY 4Q22 YOY QoQ Total Income 11,675 +10% 3,001 +18% -5% Total Income 10,387 +15% 2,871 +31% +5% Operating Expenses 5,026 +5% 1,299 +1% +2% Operating Profit 6,649 +14% 1,702 +35%-10% Operating Expenses Operating Profit 4,671 +5% 1,205 +1% +2% 5,717 +25% 1,667 +66% +6% Allowances 584 -33% 314 -1% +105% Allowances 581 -34% 316 -1% +105% Net Profit 5,748 +18% 1,306 +34% -19% Net Profit 5,105 +30% 1,314 +68% -4% → OCBC Bank 9

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