Oversea-chinese Banking Corporation Limited · SGX:O39
Oversea-chinese Banking — Q3 2025 Earnings Presentation
20 slides from Oversea-chinese Banking's earnings presentation, Nov 7, 2025
Slide 1: Third Quarter 2025 Results Highlights
Third Quarter 2025 Results Highlights Goh Chin Yee, Group Chief Financial Officer 7 November 2025 OCBC Financial Results
Slide 2: Agenda
Agenda 01 Financial Highlights 02 Group Performance Trends Notes: - Certain comparative figures have been restated to conform with the current period’s presentation; - Amounts less than S$0.5m are shown as “0”; - “nm” denotes not meaningful; - “na” denotes not applicable; - Figures may not sum to st
Slide 3: Solid 3Q25 performance
Performance highlights Solid 3Q25 performance 3Q25 results Group unchanged YoY S$1.98b ▪ Net profit up 9% QoQ, driven by 7% revenue growth Net Profit +9% QoQ • NII down 2% QoQ as NIM moderated to 1.84%. Asset growth remains a focus (in constant currency terms) Customer +7% YoY • Non-II rose to quart
Slide 4: 9M25 Group net profit at S$5.68b, ROE at 12.9%
Performance overview 9M25 Group net profit at S$5.68b, ROE at 12.9% Group Performance (S$m) 3Q25 YoY QoQ 9M25 YoY Net Interest Income 2,226 -9% -2% 6,854 -6% Non-Interest Income 1,570 +15% +24% 4,144 +10% Total Income 3,796 – +7% 10,998 -1% Operating Expenses 1,519 +4% +9% 4,322 +3% Operating Profit
Slide 5: Performance reflected strength of One Group franchise
Performance highlights Performance reflected strength of One Group franchise Banking Wealth Management ■ Banking Operations net profit Net Profit (S$m) Total Income (S$m) Group WM Income (S$m) 1/ Banking WM AUM (S$b) grew 3% QoQ, lifted by -5% -5% 34% 37% 43% record Non-II +3% +25% +18% +3% +25% +8%
Slide 6: Earnings diversified across businesses and geographies
Performance review Earnings diversified across businesses and geographies Operating Profit by Key Businesses 1/ Operating Profit by Geography Others Insurance 7% 18% 16% 9M25 Greater China 7% 9M25 21% 9M24 19% 9M24 Global 7% Global Markets 11% 45% 50% Wholesale 53% Singapore Banking 5% 57% 27% Indon
Slide 7: Group Performance Trends
Agenda 01 Financial Highlights 02 Group Performance Trends 7
Slide 8: Continued focus on asset growth to support NII
Net interest income Continued focus on asset growth 1Q22 to support NII 9M25 YoY 3Q25 +44% 2.18% 2.15% 2.04% 2.22% 2Q23 YoY -9% Net Interest Margin 1.92% 1.84% 1.93% YoY -6% QoQ QoQ +44% -2% 7,300 6,854 ■ 3Q25 NII moderated QoQ as 2,433 2,455 2,345 2,283 2,226 NIM declined, partly offset by Net Inte
Slide 9: 9M25 Non-II up 10% YoY
Non-interest income 9M25 Non-II up 10% YoY 9M25 YoY 3Q25 +44% 2Q23 YoY +15% 41.4% 37.7% YoY +10% QoQ QoQ +44% +24% 36.0% 35.8% 35.6% 34.0% % of Group Income 28.1% ■ 9M25 and 3Q25 Non-II up 4,144 YoY, lifted by strong fee, 3,758 trading and insurance 843 income Non-interest Income (S$m) 815 203 1,570
Slide 10: Record 3Q25 WM performance lifted 9M25 fees to a new high
Non-interest income Record 3Q25 WM performance lifted 9M25 fees to a new high 9M25 YoY 3Q25 +44% 2Q23 YoY +34% YoY +24% QoQ QoQ +44% +18% 1,809 209 ■ 9M25 and 3Q25 fee income 1,454 123 lifted by elevated customer 200 activities Net Fees & Commissions (S$m) 406 81 683 Others 2/ ■ 9M25 wealth manageme
Slide 11: 9M25 trading income increased YoY to S$1.29b
Non-interest income 9M25 trading income increased YoY to S$1.29b 9M25 YoY 3Q25 +44% 2Q23 YoY +2% YoY +4% QoQ QoQ +44% +38% ■ 9M25 trading income rose, 1,289 underpinned by higher 1,234 customer flow treasury 322 income 386 ■ 3Q25 trading income up 508 518 QoQ, from stronger Trading Income (S$m) 396
Slide 12: 9M25 CIR at 39.3%; costs well managed, up 3% YoY
Operating expenses 9M25 CIR at 39.3%; costs well managed, up 3% YoY 9M25 YoY 3Q25 +44% 2Q23 YoY +4% 45.7% YoY +3% QoQ QoQ +44% +9% 38.5% 38.7% 39.1% 40.0% 39.3% Cost-to-income (CIR) 37.8% ■ 9M25 expenses grew YoY, mainly due to increased 4,182 4,322 staff costs and investments 532 in technology 590
Slide 13: Loans grew 7% YoY to S$327b
Loans Loans grew 7% YoY to S$327b Loans by Geography Loans by Industry YoY YoY +7% +44% +7% Sep 25 2Q23 QoQ QoQ +44% +1% (S$b) +7% +9% in constant ccy terms +1% unchanged in constant ccy terms 9% 322 325 327 22% 305 319 7% ■ YoY loan growth broad- 66 68 71 72 6% 9% 22% Rest of the world 63 5% based,
Slide 14: Loan portfolio quality remained sound
Asset quality Loan portfolio quality remained sound YoY YoY +7% +44% Sep 25 2Q23 Non-performing assets (NPAs) 3Q24 2Q25 3Q25 9M24 9M25 QoQ QoQ +44% -1% (S$m) At start of period 2,901 2,916 3,009 2,901 2,869 ■ NPL ratio stable at 0.9% for the past 6 quarters Corporate/ Commercial Banking and Others N
Slide 15: 9M25 allowances lower YoY
Allowances 9M25 allowances lower YoY 9M25 YoY 3Q25 +44% Credit costs (bps) 1/ 24 2Q23 YoY -18% 22 21 16 17 17 YoY -4% QoQ QoQ +44% +21% Total 12 15 16 ■ 9M25 credit costs at an 11 13 11 Impaired 6 7 annualised 17bps 483 ■ 9M25 allowances lower YoY 466 mainly due to decline in 112 allowances for impa
Slide 16: NPA coverage ratio at 160%
Allowances NPA coverage ratio at 160% YoY YoY +4% +44% 164% 159% 162% 160% Sep 25 2Q23 Total NPA coverage 156% QoQ QoQ +44% +2% Allowances for non-impaired 0.9% 0.9% 0.9% 0.9% 0.9% ■ NPA coverage ratio up loans / Performing loans QoQ, while performing loans coverage ratio held steady at 0.9% 4,734 4
Slide 17: Deposit QoQ growth supported by CASA increase
Deposits Deposit QoQ growth supported by CASA increase YoY YoY +11% +44% 81.6% 80.7% 78.9% 78.7% 78.6% Sep 25 2Q23 Group LDR QoQ QoQ +44% +1% 83.0% 82.1% 78.5% 79.8% 78.8% ■ Total deposits up 1% QoQ SGD LDR mainly from CASA growth 50.7% 51.8% 48.1% 49.3% 47.2% ■ CASA deposits increased USD LDR YoY f
Slide 18: Robust balance sheet supports strategy for long-term growth
Balance sheet Robust balance sheet supports strategy for long-term growth Loans-to-Deposits Ratio Funding ■ Diversified funding Composition structure with 80% from Group LDR (%) 12% customer deposits Customer deposits Bank deposits 5% Debts issued 3% S$512b ■ Strong credit ratings of Aa1 Capital and
Slide 19: Solid capital position
Capital Solid capital position YoY YoY -0.3ppt +44% 17.2 17.6 Transitional Sep 25 2Q23 17.1 17.0 16.9 CET1 CAR 1/ QoQ QoQ +44% -0.1ppt 1.6 1.8 2.1 1.7 1.9 ■ Strong capital base supports franchise growth CET1 CAR (%) Fully phased-in and provides buffers against 15.6 15.3 15.5 15.3 15.0 CET1 CAR 2/ un
Slide 20: Thank you
Thank you Disclaimer: This presentation should be read as an overview of OCBC’s current business activities and operating environment which may contain statements relating to OCBC’s growth strategy and future business aspirations. This presentation contains “forward-looking statements”, which are ba
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