Oversea-chinese Banking Corporation Limited · SGX:O39
Oversea-chinese Banking — FY2025 Earnings Presentation
13 slides from Oversea-chinese Banking's earnings presentation, Feb 25, 2026
Slide 1: Group Chief Executive Officer Key Messages
Group Chief Executive Officer Key Messages Tan Teck Long Group Chief Executive Officer 25 February 2026 1
Slide 2: Record FY25 income reflected strength and resiliency of our diversified franchise
Record FY25 income reflected strength and resiliency of our diversified franchise ❑ Record income and profit before tax ❑ Record diversified non -II cushioned impact from declining interest rate environment ▪ All-time high WM fees and customer flow treasury income ▪ Increased profit contribution fro
Slide 3: 2026 Outlook
2026 Outlook ❑ Continued headwinds from geopolitical tensions and interest rate cut; Stay nimble to capture growth opportunities ❑ Total income stable to growing; Slight to moderate decline in NII 1/ ❑ Mid-single -digit loan growth ❑ CIR at low -to-mid 40% ❑ Credit costs in the range of 20 -25 bps ❑
Slide 4: Forging ahead into of Growth
Forging ahead into of Growth 4
Slide 5: Four Strategic Shifts to accelerate growth
Riding the Megatrends through Four Strategic Shifts to accelerate growth Heightened Geopolitical Asia Tech Tensions Shift Shift A rtificial Intelligence Shifting Demographics ADD Rising Asian Wealth at our core Data Digital AI and Digitalisation Sustainability Franchise Net -Zero Shift Shift 5
Slide 6: Asia Shift: Tap rising Asia trade, investment and wealth flows
Tap rising Asia trade, investment and wealth flows ▪ Capture ASEAN – Greater China flows, leveraging OCBC’s regional network Asia ▪ “One -ASEAN” value proposition Shift ▪ Capture rising Asian wealth flows through our SG -HK twin wealth hubs approach 6
Slide 7: Tech Shift: Embed customer centricity powered by ADD and grow tech sectors
Embed customer centricity powered by ADD (AI, Digital, Data) and grow tech sectors Tech ▪ Customer Centric ADD Strategy ▪ Right Customer, Right Product, Right Time Shift ▪ Intensify focus and coverage on technology, including digital infrastructure and tech supply chain 7
Slide 8: Net-Zero Shift: Continue to support green transitions
Continue to support green transitions ▪ Expand coverage of green sectors such as renewables and sectors Net -Zero transitioning to Net -Zero Shift ▪ Deepen support for green transition of SMEs in core markets 8
Slide 9: Franchise Shift: Deepen Core Market Franchise to capture long-term growth
Deepen Core Market Franchise to capture long -term growth Twin Hubs 1 Deliver Whole -of-Wealth value proposition across Banking, Wealth and Insurance Singapore 2 Lead in Silver proposition for the super -aged society Hong Kong 3 Grow affluent segment in Hong Kong Franchise 4 Scale up Global Markets
Slide 10: Spotlight: Unleashing a Whole-of-Wealth proposition to serve an ageing population
Spotlight: Unleashing a Whole -of-Wealth proposition to serve an ageing population Addressing the needs of seniors across the entire wealth continuum Integrated Financial Services Group Making Daily Banking Succession Planning and Providing Protection with Simple and Senior -friendly Wealth Transfer
Slide 11: Spotlight: Powering Whole-of-Wealth with a Group-wide Gold Proposition
Spotlight: Powering Whole -of-Wealth with a Group -wide Gold Proposition Affordability and Accessibility Physical Access to Gold Combining Protection with to Gold Diversification in Gold Precious Metals Account: Invest in LionGlobal Singapore Physical Gold Great Eastern GreatLink Gold Fund is fracti
Slide 12: We are forging ahead into of growth
We are forging ahead into of growth ▪ The Next Frontier will drive sustainable growth ▪ Expect stable to improving ROE, driven by a stronger focus on higher -returning businesses ▪ Maintain cost discipline with CIR at low to mid 40% 12
Slide 13: Thank you
Thank you Disclaimer on LionGlobal Singapore Physical Gold ETF This advertisement has not been reviewed by the Monetary Authority of Singapore. It is for information only and is not a recommendation, offer or solicitation. You should read the prospectus available at www.lionglobalinvestors.com befor
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