My first Publication ocbc_ar17_fullreport_english | Page 146

MANAGEMENT DISCUSSION AND ANALYSIS
(OCBC Group – As at 31 December 2017)
DEPOSITS
Deposits of non-bank customers
Deposits and balances of banks
Total deposits
Non-Bank Deposits By Product
Fixed deposits
Savings deposits
Current account
Others
Non-Bank Deposits By Currency
Singapore Dollar
United States Dollar
Malaysian Ringgit
Indonesian Rupiah
Hong Kong Dollar
Chinese Renminbi
Others
Loans-to-deposits ratio (net non-bank loans/non-bank deposits)
2017
S$ million 2016
S$ million +/(-)
%
283,642
7,485
291,127 261,486
10,740
272,226 8
(30)
7
118,078
51,817
87,773
25,974
283,642 113,943
48,240
85,411
13,892
261,486 4
7
3
87
8
97,665
93,415
22,364
8,206
28,640
7,551
25,801
283,642 94,413
80,402
21,701
7,563
27,336
8,008
22,063
261,486 3
16
3
8
5
(6)
17
8
82.5% 82.9%
Non-bank customer deposits as at 31 December 2017 were S$284 billion, up 8% from a year ago. The ratio of current and savings
deposits to total non-bank deposits was 49.2%, as compared to 51.1% a year ago. The Group’s loans-to-deposits ratio was 82.5%
as at 31 December 2017.
PERFORMANCE BY BUSINESS SEGMENT
OCBC Group’s businesses are presented in the following customer segments and business activities: Global Consumer/Private Banking,
Global Corporate/Investment Banking, Global Treasury and Markets, OCBC Wing Hang and Insurance.
Operating Profit by Business Segment
2017
S$ million
Global Consumer/Private Banking
Global Corporate/Investment Banking
Global Treasury and Markets
OCBC Wing Hang
Insurance
Others
Operating profit after allowances and amortisation
144
OCBC ANNUAL REPORT 2017
1,230
1,420
482
370
1,264
61
4,827
2016
S$ million
907
1,533
445
362
662
(30)
3,879
+/(-)
%
36
(7)
8
2
91
(297)
24