Investor Presentaiton

NPAs down YoY from lower new NPA formation & higher recoveries and upgrades Asset quality S$m At start of period 4Q21 3Q22 4Q22 FY21 FY22 4,243 3,969 3,688 4,005 4,338 New NPAs Corporate/ Commercial Banking and Others 808 304 242 1,838 717 Consumer Banking/ Private Banking 249 164 190 1,052 569 1,057 468 432 2,890 1,286 Net recoveries/ upgrades Corporate/ Commercial Banking and Others (273) (310) (166) (954) (766) Consumer Banking/ Private Banking (98) (359) (105) (365) (747) (371) (669) (271) (1,319) (1,513) Write-offs Corporate/ Commercial Banking and Others (542) (44) (199) (1,192) (336) Consumer Banking/ Private Banking (20) (16) (23) (75) (70) (562) (60) (222) (1,267) (406) Foreign currency translation At end of period (29) (20) (141) 29 (219) 4,338 3,688 3,486 4,338 3,486 → OCBC Bank FY22 NPA formation more than halved from a year ago from improved economic environment ■ Recoveries/upgrades in FY22 largely attributable to orderly exit from loan relief programmes in Malaysia and Indonesia 21

View entire presentation