Investor Presentaiton

FY22 loan and trade fees up YoY while wealth management fees were softer 2,245 273 107 1,851 285 479 99 Net Fees & Commissions (S$m) 528 522 Others 2/ 477 69 68 453 232 491 Investment Banking 27 27 69 399 78 23 Loan, Trade, Guarantees & 129 117 24 70 Remittances 187 123 25 Brokerage & Fund Management 55 54 54 127 47 124 Wealth Management 1/ 1,154 45 41 789 248 256 215 179 139 → OCBC Bank 4Q21 1Q22 2Q22 3Q22 4Q22 FY21 FY22 1/ Wealth management comprises mainly income from private banking, and sales of unit trusts, bancassurance products, structured deposits and other treasury products to consumer customers. 2/ "Others" includes credit card fees, service charges and other fee and commission income. FY22 YOY -18% Non-interest income | YoY 4Q22 -25% QoQ -12% FY22 loan and trade fees up YoY ■ Weaker full year WM and brokerage fees resulting from risk-off investment sentiments amid macro uncertainties ■Focus on increasing net new money inflows to grow AUM base 15

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