Investor Presentaiton

OCBC Wing Hang Hong Kong & Macau's Financial Highlights OCBC Wing Hang Net Interest Margin Cost-to-Income Profit and Loss 1/ (HKD'm) FY22 YOY 4Q22 YOY QoQ +58bps +29bps +14bps -7.9ppt +0.1ppt -4.3ppt Total Income 5,292 +15% 1,512 +23% +13% Operating Expenses 2,719 +15% 724 +6% +4% 2.04% 1.75% 55.8% 1.46% 1.55% 1.69% 52.2% 51.3% 51.4% 47.9% Allowances 424 nm 179 nm +225% 4Q21 3Q22 4Q22 FY21 FY22 4Q21 3Q22 4Q22 FY21 FY22 Net Profit 2,092 +4% 672 +45% +22% NPL ratio CASA ratio Balance Sheet 1/ Dec 22 YOY QoQ (HKD'b) +1.0ppt +1.0ppt -14.0ppt -5.2ppt Loans Deposits 162 -1% -1% 62.6% 1.4% 53.8% 204 +8% +4% 48.6% 0.4% Dec 21 0.4% Sep 22 Dec 22 Dec 21 Sep 22 Dec 22 → OCBC Bank 1/ Based on entity reporting requirements. 29 29

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