Investor Presentaiton

Net Profit YOY +34% 4Q22 QoQ -19% 4Q22 earnings up 34% YoY as net interest income hit a new quarterly high YoY Movement (S$m) 973 894 25 3 (210) Positive on net profit Negative on net profit 1,306 YOY (233) (10) (136) 4Q21 Net Profit Net Interest Non-II Income (NII) (exclude profit Profit from Insurance Operating Associates Expenses Total Amortisation, Allowances Tax and NCI 4Q22 Net Profit from insurance) QoQ Movement (S$m) Positive on net profit Negative on net profit 287 1,605 (134) 75 1,306 (304) (30) (33) (160) 3Q22 Net Profit Net Interest Non-II Income (NII) (exclude profit → OCBC Bank from insurance) Profit from Insurance Operating Associates Expenses Total Allowances Amortisation, 4Q22 Tax and NCI Net Profit NII rose 60% driven by a 79bps rise in NIM Non-Il lower mainly due to softer fee and insurance income QoQ ■ Net profit lower largely led by a drop in insurance income, which more than offset a rise in NII 11

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