My first Publication ocbc_ar17_fullreport_english

CONTENTS Our Purpose & Our Values Inside Front Cover Our Corporate Strategy Our Well-Diversified Business GROUP OVERVIEW Message from Chairman and CEO Financial Highlights Board of Directors Management Committee 1 2 4 12 14 18 OUR YEAR IN REVIEW Creating Sustainable Value for Our Stakeholders Serving Individuals through Different Life Stages Supporting the Full Spectrum of Businesses in Their Growth Journey Seeing the Best in Our People Creating Investor Value #OCBCCares Programme 26 30 32 34 SUSTAINABILITY REPORT 42 GOVERNANCE Corporate Governance Additional Information Required under the SGX-ST Listing Manual Capital Management Risk Management Pillar 3 Disclosures FINANCIALS Financial Report Management Discussion and Analysis Financial Statements Group’s Major Properties Shareholding Statistics Five-Year Ordinary Share Capital History 20 22 63 81 82 84 95 133 274 276 ADDITIONAL INFORMATION 277 GRI Standards Content Index 280 Further Information on Management Committee 284 International Network 286 Financial Calendar 287 Notice of Annual General Meeting 295 Proxy Form Corporate Profile and Inside Back Cover Corporate Information OUR PURPOSE We help individuals and businesses across communities achieve their aspirations by providing innovative financial services that meet their needs. OUR VALUES CUSTOMERS We listen to our customers and understand their needs. We build enduring relationships with them by delivering superior products and quality service. PEOPLE We treat each other fairly and with respect. We support our colleagues and invest in their development to help them realise their full potential. We recognise and reward outstanding performance. TEAMWORK We, as team members, actively support each other across the organisation as we work towards our common purpose. As individuals, we expect total responsibility from ourselves. INTEGRITY Fair dealing is the basis of our business. We assume everything we do is in full public view. PRUDENT RISK TAKING We are prudent risk takers because our customers rely on us for safety and soundness. EFFECTIVENESS We actively invest in infrastructure, process improvement and skills to lower our delivery costs. We do the right things right the first time, on time, every time.

My first Publication ocbc_ar17_fullreport_english | Page 2