Investor Presentaiton

Key Financial Highlights Total Assets & Return on Assets (ROA) Rp trillion, % Total Assets -ROA 1.9% 2.1% Loans Gross & Non-Performing Loan (NPL) Rp trillion, % Loans NPL 2.4% 1.6% 249.8 238.5 4.7% 154.1 137.6 12.0% 31 Dec 2023 31 Dec 2022 Total Equity & 31 Dec 2022 Loan-to-Deposit Ratio/LDR % 83.8% 77.2% 6.6% Capital Adequacy Ratio (CAR) Rp trillion, % Equity CAR Deposits from Customers & CASA Ratio Rp trillion, % Deposits from Customers CASA Ratio 54.6% 55.8% 176.1 181.8 3.2% 31 Dec 2022 31 Dec 2023 31 Dec 2023 Net Income & Return on Equity (ROE) 23.7% 21.5% 37.3 34.2 9.1% Rp billion, % Net Income ROE 12.0% 10.5% 4,091 3,327 23.0% 31 Dec 2022 31 Dec 2023 FY22 FY23 31 Dec 2022 31 Dec 2023 → OCBC 5

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