Basic Stock Information

Stock Data

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Market Cap (SGD ' mil)	67,903.40
Common Shares Outstanding (' mil)	4,493.94
52 Week High (SGD)	15.690
52 Week Low (SGD)	12.270

Financial Strength

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Current Ratio	0.14
Quick Ratio	-
Common Equity (Total) (SGD ' mil)	52,922.00
Total Debt (SGD ' mil)	38,903.00
Operating Profit Per Share	-
Free Cash Flow to Equity (TTM) (SGD ' mil)	12,689.00

Margin

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Gross Profit Margin (TTM) (%)	-
Operating Margin (TTM) (%)	24.36
Net Margin (TTM) (%)	22.97

Dividend

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Dividends Per Share (Annual)	0.82
Dividend Yield - Close	5.69
Dividend Payout (% Earnings) - Total Dollar	53.00

Valuation

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P/E Ratio (TTM)	9.23
Price To Earnings - Closing Price As Of Fiscal Period End	9.23
Price To Book Value - Closing Price As Of Last Trading Day	1.23
Book Value Per Share	11.7762
EPS - Basic - Before Extraordinaries	1.5473

• Annual
•  
• Semi-Annual/Quarter

Standardized in SGD ' mil

	FY 2019	FY 2020	FY 2021	FY 2022	FY 2023
Income Statement
Interest Income	12,189.77	9,221.00	7,538.00	11,715.00	20,897.00
Total Interest Expense - Banks	5,766.42	3,177.00	1,570.00	3,902.00	11,222.00
Net Interest Income	6,423.36	6,044.00	5,968.00	7,813.00	9,675.00
Loan Loss Provision	890.35	2,043.00	867.00	505.00	663.00
Net Interest Income after Loan Loss Provision	5,533.00	4,001.00	5,101.00	7,308.00	9,012.00
Operating Income	5,151.05	3,500.00	4,749.00	5,862.00	7,377.00
Non-Operating Income (Expense)	649.37	53.00	107.00	99.00	71.00
Unusual Expense	-	-	-	-	-
Pretax Income	5,800.42	3,553.00	4,856.00	5,961.00	7,448.00
Income Taxes	778.30	437.00	648.00	1,057.00	1,236.00
Equity in Earnings of Affiliates	-	612.00	824.00	978.00	953.00
Other After Tax Adjustments	(59.00)	(53.00)	(46.00)	(56.00)	(66.00)
Consolidated Net Income	4,963.12	3,675.00	4,986.00	5,826.00	7,099.00
Minority Interest Expense	152.74	142.00	174.00	134.00	144.00
Net Income	4,810.38	3,533.00	4,812.00	5,692.00	6,955.00
Balance Sheet
Total Cash & Due from Banks	7,841.13	7,436.00	7,652.00	6,612.00	34,286.00
Total Investments - Banks	64,545.26	80,606.00	79,088.00	81,171.00	95,197.00
Net Loans	313,218.03	312,981.00	328,878.00	348,528.00	330,805.00
Investment in Unconsolidated Subsidiaries	3,637.76	4,633.00	6,170.00	6,340.00	7,003.00
Real Estate Assets	3,629.03	3,484.00	3,323.00	3,135.00	2,980.00
Net Property, Plant & Equipment	838.09	896.00	984.00	1,111.00	1,271.00
Interest Receivables	1,151.30	970.00	889.00	1,514.00	2,215.00
Deferred Tax Assets	86.67	133.00	280.00	437.00	586.00
Other Assets	96,743.27	110,256.00	114,923.00	111,108.00	107,081.00
Total Assets	491,690.53	521,395.00	542,187.00	559,956.00	581,424.00
Total Deposits	302,851.10	314,907.00	342,395.00	350,081.00	363,770.00
Total Debt	39,428.10	35,417.00	29,780.00	33,896.00	38,903.00
Provision for Risks & Charges	-	-	-	-	-
Deferred Tax Liabilities	1,893.06	1,818.00	2,832.00	2,261.00	636.00
Other Liabilities	100,412.46	119,275.00	114,040.00	120,746.00	123,809.00
Total Liabilities	444,584.71	471,417.00	489,047.00	506,984.00	527,118.00
Common Equity (Total)	45,664.93	48,424.00	51,465.00	51,391.00	52,922.00
Retained Earnings	25,775.28	27,321.00	30,785.00	33,984.00	35,549.00
Total Shareholders' Equity	45,664.93	48,424.00	51,465.00	51,391.00	52,922.00
Accumulated Minority Interest - Total	1,440.89	1,554.00	1,675.00	1,581.00	1,384.00
Total Equity	47,105.82	49,978.00	53,140.00	52,972.00	54,306.00
Liabilities & Stockholders' Equity - Total	491,690.53	521,395.00	542,187.00	559,956.00	581,424.00
Cash Flow Statement
Net Operating Cash Flow	5,566.90	6,482.00	10,798.00	11,082.00	13,226.00
Net Investing Cash Flow	(7,465.88)	(9,326.00)	(29,706.00)	(13,217.00)	(28,701.00)
Net Financing Cash Flow	6,464.27	5,914.00	20,022.00	9,953.00	14,940.00
Exchange Rate Effect	(113.37)	253.00	282.00	(773.00)	(142.00)
Net Change in Cash	4,451.92	3,323.00	1,396.00	7,045.00	(677.00)
Free Cash Flow to Equity	5,198.63	6,098.00	10,355.00	10,603.00	12,689.00
Ratios & Others data
EPS - Diluted - Before Unusual Expense	1.1158	0.7991	1.0708	1.2657	1.5462
EPS - Fully Diluted	1.1158	0.7991	1.0708	1.2657	1.5462
Earnings Persistence	79.8890	89.3560	79.2730	85.6640	72.0150
Dividends Per Share	0.5300	0.3180	0.5300	0.6800	0.8200
Return on Assets (%)	1.0028	0.6975	0.9049	1.0329	1.2187
Return on Equity (%)	11.1474	7.5099	9.6347	11.0679	13.3349

Oversea-Chinese Banking Corp. Ltd. engages in the provision of financial and banking services. It operates through the following business segments: Global Consumer or Private Banking, Global Wholesale Banking, Global Treasury & Markets, Insurance, and Others. The Global Consumer or Private Banking segment offers checking accounts, fixed deposits, savings, consumer loans, credit cards, wealth management products, and brokerage services. The Global Wholesale Banking segment provides a range of financing solutions including long-term project financing, short-term credit, working capital and trade financing, as well as customized and structured equity-linked financing. The Global Treasury and Markets segment deals with foreign exchange rates, money market, fixed income and derivatives trading, and structured treasury products. The Insurance segment offers fund management, as well as life and general insurance. The Others segment includes property and investment holding operations. The company was founded in 1932 and is headquartered in Singapore.

Business Segments

Name	Revenue (SGD ' mil)	Percentage (%)	Operating Income (SGD ' mil)	Assets (SGD ' mil)
Global Wholesale Banking	6,191	46	3,882	195,894
Global Consumer/Private Banking	5,112	38	2,229	137,219
Insurance	1,126	8	891	109,484
Global Markets	360	3	39	123,462
Other (Total)	718	5	407	15,365

Geographic Segments

Name	Revenue (SGD ' mil)	Percentage (%)	Operating Income (SGD ' mil)	Assets (SGD ' mil)
Singapore	8,360	62	4,872	343,009
Greater China	1,774	13	1,756	95,364
Malaysia	1,524	11	1,009	60,369
Indonesia	1,035	8	458	22,231
Other (Total)	814	6	306	60,451