Investor Presentaiton

Full year trading income grew 9% YoY Trading Income (S$m) Non-Customer Flow Customer Flow → OCBC Bank 834 763 138 18 267 225 83 194 32 152 7 745 148 696 16 193 184 187 165 132 (13) 4Q21 1Q22 2Q22 3Q22 4Q22 FY21 FY22 Non-interest income FY22 YOY +9% | YOY 4Q22 -2% QoQ -23% FY22 trading income mainly higher from stronger non-customer flow treasury income, partly attributed to gains from hedging activities Customer flow treasury income relatively resilient on a full year basis 16

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