Orient Commercial Joint Stock Bank · HOSE:OCB
Orient Commercial Joint Stock Bank — FY2024 Earnings Presentation
25 slides from Orient Commercial Joint Stock Bank's earnings presentation, Mar 4, 2025
Slide 1: Agenda
Agenda 01. OVERVIEW 02. 2024 FINANCIAL PERFORMANCE 03. 2024 ACHIEVEMENT 04. 2025 OUTLOOK AND STRATEGY 0
Slide 2: Overview
[Ngan Hang Phuong Béng @O0cB OVERVIEW
Slide 3: Overview of the Bank
Overview of the Bank The specialized bank for SMEs and retail segments with pioneering initiatives in green bank strategy Pioneer in Green Bank Well-recognized Branding The first bank employing Ba3 & Best in Digital advanced Basel II and Rating by Moody’s Application Basel III 350 200 Assets (VND tr
Slide 4: Key Development Milestones
Key Development Milestones 2007 2014 2017 2019 2021 2023 First strategic New risk B2 rating by Moody’s ▪ Strategic ▪ Listed on HOSE ▪ Basel II (advanced partnership management cooperation with IFC version) and Basel framework to adhere III Adoption to international standards ▪ Exclusive ▪ 5-year bus
Slide 5: Financial Performance 2024
FINANCIAL PERFORMANCE 2024 4
Slide 6: OCB delivers strong growth and advances digital & green transformation in 2024
OCB delivers strong growth and advances digital & green transformation in 2024 ▪ Total Assets: 280.7T VND (+16.9% YoY) Above-Industry ▪ Credit Growth: 19.6% vs Industry 15.1% Scale Growth ▪ Deposit Growth: 13.1% vs Industry 9.1% ▪ NPL: 2.4% vs Industry 4.6% (reported by SBV in 09/2024) Prudent Balan
Slide 7: Financial Performance 2024 (PBT Breakdown)
FINANCIAL PERFORMANCE 2024 (PBT BREAKDOWN) Core revenues drive TOI growth, while elevated provisions temper PBT 2024 PBT VND billion, % TOI growth components • NII soared by 27.2% YoY, supported by credit expansion and improved NIM. • NFI rose by 5.5% YoY, reflecting higher fee-based services, espec
Slide 8: Financial Performance 2024 – Non NII
FINANCIAL PERFORMANCE 2024 – Non NII Moderated non-NII results reflect securities volatility, while fee income gains momentum Non-NII VND Billion -32.7% 2,173 Overall Non-NII • Declined by 32.7% YoY to VND 1,463 billion, primarily due YoY to adverse bond market conditions. 882 1,462 • Q4 Non-NII saw
Slide 9: Financial Performance 2024 – OPEX
FINANCIAL PERFORMANCE 2024 – OPEX Strategic investments in talent and technology drive OPEX increase but strengthen future competitiveness OPEX growth • OPEX rose by 19.9% YoY to VND 3,804 billion, influenced by staff costs, digital transformation initiatives, and brand-building efforts. • CIR rose
Slide 10: Financial Performance 2024 – Optimized Balance Sheet
FINANCIAL PERFORMANCE 2024 – OPTIMIZED BALANCE SHEET Balance sheet realignment prioritizes high-yield segments and supports solid asset growth Asset Allocation Credit by Segment • Total Assets grew 16.9% YoY to VND 280.7 trillion. Corporate lending continued to contribute to the bank’s credit growth
Slide 11: Optimized Funding Structure, CASA Improvement
FINANCIAL PERFORMANCE 2024 – OPTIMIZED FUNDING STRUCTURE, CASA IMPROVEMENT Balanced funding structure and accelerated CASA growth enhance OCB’s cost efficiency • The funding structure was well-diversified with a pro-active ALM strategy to attain better funding cost. • CASA significantly improved fro
Slide 12: Credit Growth, Deposit Growth, NPL Ratio
FINANCIAL PERFORMANCE 2024 – CREDIT GROWTH, DEPOSIT GROWTH, NPL RATIO Sustained above-industry credit expansion with disciplined risk management Credit & deposit growth • Credit advanced by 19.6% in 2024, exceeding the industry’s 15.1%. • Deposit growth maintained a healthy trajectory at 13.1%, high
Slide 13: FY2024 Achievement
@O0cB [Ngan Hang Phuong Béng FY2024 ACHIEVEMENT _
Slide 14: FY2024 Achievement: Digital Banking
FY2024 ACHIEVEMENT Digital Banking OPEN BANKING SERVICES 190+ 150+ Partners since 2019 OPEN APIs Launching OMNI 4.0: 110+ increased by 70% since Transaction per active user has the beginning of 2024 TAILORED SOLUTIONS FOR VARIOUS SEGMENTS New partners in 2024 6000B+ Transaction amount / 96.2% Digita
Slide 15: FY2024 Achievement: Liobank
FY2024 ACHIEVEMENT Liobank Customer Spending Customer No. Credit Limit Granted Deposit P2P Volume Processing (NAPAS) ▲135% YoY ▲114% YoY ▲153% YoY ▲169% Number of customers Credit Limit Granted to customers CASA, PigG, Flexible Saving From Liobank to Other Banks ▲153% From Other Banks to Liobank 14
Slide 16: The Leading Green Bank in Vietnam
IFC | @OcB a © he | ities pwe THE LEADING GREEN BANK in VIETNAM
Slide 17: FY2024 Achievement: Green Finance
FY2024 ACHIEVEMENT Green Finance Waste treatment, Renewable Energy Green Building Smart Agriculture water supply Waste treatment, clean water Sustainable planation, drip Solar, wind, hydro electricity A+ class building supply irrigation, water storage GREEN LOAN PORTFOLIO BY CATEGORIES 5% 19% 18% 11
Slide 18: OCB's sustainable development journey
FY2024 ACHIEVEMENT OCB’s sustainable development journey 4 AWARDS STRENGTHEN THE IMPLEMENTATION OF RELATED TO SUSTAINABLE DEVELOPMENT COMMUNITY PROJECTS SUSTAINABLE Supporting the Community TOP 50 SUSTAINABLE DEVELOPMENT Community in Adapting Contribution Activities ENTERPRISES REPORT to Climate Cha
Slide 19: FY2025 Outlook and Long-term Strategy
FY2025 OUTLOOK AND LONG-TERM STRATEGY 18
Slide 20: FY2025 Outlook
FY2025 OUTLOOK Macro environment ➢ The global economy is entering a new phase following President Trump's victory, accompanied by commitments to deliver robust economic growth for the U.S. and strong tariff policies that have raised concerns about a potential Trade War 2.0 in 2025. ➢ Expectations fo
Slide 21: Strategy 2025-2027, Vision 2030
STRATEGY 2025-2027, VISION 2030 Vision Top 5 Private Joint Stock Commercial Banks (*) Supporting the realization of the dreams and ambitions of consumers, entrepreneurs, and businesses in Mission Vietnam, helping them achieve growth and aspirations as their expectations Collaboration Customer- Core
Slide 22: Key initiatives: Retail Banking
STRATEGY 2025-2027, VISION 2030 Key initiatives: Retail Banking Retail Banking Segment Focus Product Focus Household Annual Income • Banking products • Insurance, investments Population ≥ VND 1,000 million • Privileges, exclusives 261k Affluent • Payments Population • Loans 2.3m Mass VND 200 – 1,000
Slide 23: Key initiatives: SMEs Banking
STRATEGY 2025-2027, VISION 2030 Key initiatives: SMEs Banking VISION: Become the preferred financial partner for corporate client’s sustainable growth OBJECTIVE Business division with material contribution for OCB Diversified business segments “Speed” is the core competitive Agile risk management an
Slide 24: Key initiatives: Transaction Banking
STRATEGY 2025-2027, VISION 2030 Key initiatives: Transaction Banking Transaction Banking Department Establishment in 2024 Providing a full range of products and services covering from traditional +40% YoY vanilla Trade (Letter of Credit, Collection etc.,) to Supply Chain Finance, Structured Trade Fi
Slide 25: Thank You
THANK YOU For further information, please contact: Investor Relations Department ▪ Address: The Hallmark, 15 Tran Bach Dang street, Thu Thiem Ward, Thu Duc city, HCMC Tel: (84-28) 38 220 960 (ext: 60246) ▪ Fax: (+84 28) 3822 0963 ▪ Email: ir@ocb.com.vn
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