My first Publication ocbc_ar17_fullreport_english | Page 3

OUR CORPORATE STRATEGY DEEPEN PRESENCE IN CORE MARKETS A leading, well-diversified Asian financial services group with a broad geographical footprint in North and Southeast Asia, well-positioned to ride on global mega trends to deliver sustainable business growth. A resilient and responsible business that generates long-term value for customers, employees, investors and the community. CORE MARKETS SINGAPORE MALAYSIA INDONESIA GREATER CHINA Dominant market position at home Entrenched and well-established banking and insurance franchise Extensive national presence with comprehensive financial services offering Strong presence with dominance in cross-border trade, wealth and capital flows KEY GLOBAL MEGA TRENDS shaping Asia’s growth CORE BUSINESSES Growing Intra-Asia Trade and Cross-Border Capital Flows Rising Asian Wealth  BANKING Comprehensive retail and commercial banking franchise across well-connected business and geographical network  WEALTH MANAGEMENT “ Asia’s Global Private Bank ” with integrated regional and wealth platform, across private banking, premier banking, bancassurance, securities and asset management  INSURANCE Leading insurance presence in Singapore and Malaysia, and growing franchise in Indonesia Urbanisation and Continued Rise of SMEs in Asia CORE COMPETENCIES Increasing Economic Presence of China  DISCIPLINED RISK MANAGEMENT  DIVERSIFIED FUNDING BASE  INVESTMENT IN TECHNOLOGY AND PEOPLE Advancements in Technology SUSTAINABLE BUSINESS PRACTICES  FAIR DEALING  RESPONSIBLE FINANCING  COMMUNITY DEVELOPMENT  STRONG GOVERNANCE  INCLUSIVE WORKPLACE