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PILLAR 3 DISCLOSURES
(OCBC Group – As at 31 December 2017)
6. CREDIT RISK EXPOSURES BY
GEOGRAPHY, INDUSTRY AND
RESIDUAL MATURITY
6.1
Analysed by Industry
S$ million
MAXIMUM EXPOSURE TO CREDIT RISK
S$ million
Period End
Credit risk exposure of on-balance
sheet assets:
Net loans and bills receivable
Placements with and loans to banks
Government treasury bills and securities
Debt securities
Assets pledged
Others
Credit risk exposure of off-balance
sheet items:
Credit commitments
Contingent liabilities
Total maximum credit risk exposure
Average (3)
234,141 (1) 224,653
49,377
43,996
27,471
26,976
21,407
21,115
1,915
1,056 (2)
10,580
10,035
344,032
328,690
Agriculture, mining and quarrying
Manufacturing
Building and construction
Housing
General commerce
Transport, storage and communication
Financial institutions, investment
and holding companies
Professionals and individuals
Others
Total
(1)

8,073
12,501
35,436
64,542
29,010
11,568
37,838
28,704
9,649
237,321
Include assets pledged of $527 million.
Placements with and Loans to Banks (2)
Analysed by Geography
S$ million
128,848
10,504
139,352 122,375
10,275
132,650
483,384 461,340
Net of specific allowances of $1,236 million and portfolio allowances
of $1,417 million.
(2)
Comprise net loans and bills receivable of $527 million, placements
with and loans to banks of $195 million, government treasury bills
and securities of $6 million and debt securities of $328 million.
(3)
Computed on a monthly average basis.
(1)
Singapore
Malaysia
Indonesia
Greater China
Other Asia Pacific
Rest of the World
Balances with banks
Bank balances of life assurance fund
Total

(2)
1,390
4,594
819
34,472
3,774
3,675
48,724
848
49,572
Include assets pledged of $195 million.
6.2 GEOGRAPHIC/INDUSTRY DISTRIBUTION OF MAJOR
TYPES OF CREDIT EXPOSURE Distribution by geography is determined based on where the
credit risk resides.
Gross Loans and Bills Receivable (1)
Analysed by Geography Government Treasury Bills and Securities (3)
Analysed by Geography
S$ million
Singapore
Malaysia
Indonesia
Greater China
Other Asia Pacific
Rest of the World
Total
99,872
28,231
19,259
59,114
12,754
18,091
237,321
Distribution by geography is determined based on where the
credit risk resides.
S$ million
Singapore
Malaysia
Indonesia
Greater China
Other Asia Pacific
Rest of the World
Total

(3)
9,840
2,751
2,806
4,049
5,297
2,734
27,477
Include assets pledged of $6 million.
Distribution by geography is determined based on country
of the issuer.
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OCBC ANNUAL REPORT 2017