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Investor Presentaiton

NPA coverage ratio higher at 114% Total NPA coverage Allowances YOY +2% 114% Dec 22 108% 99% QoQ -0.3% 90% 91% 4,001 3,904 3,905 3,909 3,991 449 455 444 444 444 Cumulative allowances (S$m) Regulatory Loss Allowance Reserve ("RLAR") 1,923 1,932 1,990 2,066 2,226 Allowances for non-impaired assets Allowances for impaired assets → OCBC Bank 1,537 1,529 1,475 1,486 1,310 Dec 21 Mar 22 Jun 22 Sep 22 Dec 22 Cumulative allowances higher YoY due to increases in allowances for non- impaired assets Sufficient buffers set aside for uncertainties 19

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