Investor Presentaiton

Loans 4.5% higher YoY in constant currency terms Loans +4.5% YOY +2% in constant ccy terms unchanged Dec 22 in constant ccy terms QoQ -3% 294 298 303 295 290 Loans by Geography (S$b) 53 56 57 59 59 74 74 76 76 73 Rest of the world Greater China Indonesia Malaysia Singapore 19 19 19 20 19 28 27 26 26 25 116 118 120 122 120 Dec 21 Mar 22 Jun 22 Sep 22 Dec 22 Greater China Loans Loans by Industry 10% 5% 5% Hong Kong 5% 14% 10% Offshore 2/ Mainland China 1/ 21% 34% S$73b Dec 22 12% Taiwan S$295b Dec 22 46% Macau 8% Housing loans Building & construction Fls, investment & holding cos Professionals & individuals General commerce Manufacturing ■Loan growth YoY driven by Singapore, Australia, the United States and United Kingdom ■ Corporate, SME and Consumer/Private Banking comprise 53%, 10% and 37% of loan book respectively ■ Sustainable financing loans rose 27% YoY to S$30b, and accounted for 10% of Group loans 30% Others → OCBC Bank Notes: Based on where the credit risks reside. 1/ Loans booked in China, where credit risks reside. 2/ Loans booked outside of China, but with credit risks traced to China. 22

View entire presentation