Investor Presentaiton

Deposits rose YoY driven by growth in fixed deposits Group LDR 84.4% 83.6% ☐ 85.0% 83.3% 83.3% 82.5% 76.7% 76.6% 79.3% 82.4% SGD LDR 66.5% 65.8% 66.9% 64.2% 59.3% USD LDR 342 348 349 353 350 34 33 36 35 35 Customer Deposits (S$b) 91 97 101 120 Others 134 Fixed Deposits CASA 63.3% 62.7% 60.9% 56.1% 51.8% CASA ratio 217 218 212 198 181 Dec 21 Mar 22 Jun 22 Sep 22 Dec 22 → OCBC Bank Dec 22 YOY +2% QoQ -1% Deposits Shift from CASA to fixed deposits in line with rising rates ■Continue to actively manage funding in line with balance. sheet requirements 23

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