Investor Presentaiton

Record full year and quarterly net interest income 2.31% 2.06% 1.71% Net Interest Margin 1.52% 1.55% 5,855 2,386 Net Interest Income (S$m) 2,099 1,700 1,492 1,503 4Q21 Net interest income +60% FY22 4Q22 1.91% YoY +31% | YOY 1.54% 7,688 Positive on NII Negative on NII 7,688 QoQ +14% ■■FY22 NII crossed S$7b for the first time, driven by 6% asset growth and NIM expansion 4Q22 NIM rose both YoY and QoQ as the increase in loan yields outpaced the rise in funding costs 1Q22 2Q22 3Q22 4Q22 FY21 FY22 Volume and Rate Analysis (S$m) 854 2,386 1,492 40 YOY 1,518 5,855 315 4Q21 Volume Rate 4Q22 YOY 2,099 12 275 2,386 QoQ 3Q22 Volume Rate 4Q22 ✈ OCBC Bank FY21 Volume Rate FY22 13

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