Investor Presentaiton

Resilient portfolio quality NPL ratio Asset quality YOY -20% Dec 22 QoQ -5% 1.5% 1.4% 1.3% 1.2% 1.2% 4,338 4,307 123 118 3,969 403 372 120 3,688 299 3,486 110 Non-performing Assets (S$m) 586 604 402 103 631 380 Debt securities / Contingent liabilities 744 1,208 1,244 901 Rest of the World NPLs 1,178 Greater China NPLs 1,002 778 Indonesia NPLs Malaysia NPLs Singapore NPLs 1,467 1,496 1,318 1,027 941 551 473 423 403 383 Dec 21 Mar 22 Jun 22 Sep 22 Dec 22 → OCBC Bank Note: NPAs by geography are based on where the credit risks reside. NPAs lower YoY and QoQ in ASEAN QoQ increase in Greater China NPLs primarily due to downgrade of a corporate relationship in Hong Kong, fully secured. with LTV of >60% 20 20

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