My first Publication ocbc_ar17_fullreport_english | Page 5

BROAD-BASED GROWTH ACROSS
OUR CORE MARKETS
s$
Singapore
Indonesia
5.2 b
PROFIT BEFORE TAX
Malaysia
Greater China
Other network markets
Our four core markets generate substantial business for us
in our other network markets.
SUSTAINED EARNINGS MOMENTUM FROM
OUR CORE BUSINESSES
+19 % +8 %
NET PROFIT GROSS LOANS TO CUSTOMERS
+43 % +14 %
WEALTH MANAGEMENT INCOME GREAT EASTERN HOLDINGS
EMBEDDED VALUE
DEMONSTRATED STRENGTHS IN OUR CORE COMPETENCIES
DISCIPLINED RISK MANAGEMENT DIVERSIFIED FUNDING BASE
1.5 % >300 % 78 % 49.2 %
NON-
PERFORMING
LOANS RATIO ALLOWANCE COVERAGE
RATIO FOR UNSECURED
NON-PERFORMING ASSETS PROPORTION OF
FUNDING BASE
DERIVED FROM
CUSTOMER DEPOSITS PROPORTION OF
CUSTOMER DEPOSITS
COMPRISING CURRENT
ACCOUNT AND
SAVINGS DEPOSITS
INVESTMENT IN TECHNOLOGY AND PEOPLE
7.9 +31 % 11.3 %
AVERAGE MAN DAYS OF
TRAINING PER EMPLOYEE INVESTMENT
IN TRAINING PROPORTION OF TOTAL EXPENSES
INVESTED IN TECHNOLOGY
AT THE FOREFRONT OF FINTECH INNOVATION IN SINGAPORE
First First First
Transactional API “We Economy” facial recognition feature
First AI-powered First AI-powered home loans
chatbot HR chatbot Among the first to tap AI
and machine learning in
transaction monitoring to
for instant GIRO setup
“Emma”
in Singapore formed with
StarHub partnership
for employees
for individuals and businesses to
access mobile banking services
ENHANCE DETECTION OF
SUSPICIOUS ACTIVITY
BUILDING ON OUR CORPORATE STRATEGY FOR SUSTAINABLE GROWTH
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