Investor Presentaiton

OCBC Malaysia's Financial Highlights OCBC Malaysia Net Interest Margin Cost-to-Income Profit and Loss 1/ (MYR'm) FY22 YOY 4Q22 YOY QoQ +35bps +14bps -3.5ppt -3.0ppt +1.4ppt +7bps Total Income 2,789 - 766 +14% +10% Operating Expenses +3% 1,265 332 +6% +3% 2.32% 2.39% 46.8% 46.3% 2.25% 43.3% 44.0% 45.4% 2.04% 2.11% Allowances/ (write-back) (329) -146% (15) -108% +91% 4Q21 3Q22 4Q22 FY21 FY22 4Q21 3Q22 4Q22 FY21 FY22 Net Profit 1,253 +89% 294 +66% -20% NPL ratio CASA ratio Balance Sheet 1/ Dec 22 YOY QoQ (MYR'b) +0.9ppt -0.3ppt -4.4ppt -4.0ppt Loans Deposits 66 -3% -2% 4.8% 4.5% 3.6% 52.9% 52.5% 48.5% 78 +5% +6% Dec 21 Sep 22 Dec 22 Dec 21 Sep 22 Dec 22 → OCBC Bank 1/ Based on entity reporting requirements. 30 30

View entire presentation