FRA:OCBA Income Statement

Financials in millions SGD. Fiscal year is January - December.

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	20,076	22,444	20,867	11,590	7,425
Interest Income on Investments	-	-	-	-	113
Total Interest Income	20,076	22,444	20,867	11,590	7,538
Interest Paid on Deposits	10,926	12,689	11,222	3,902	1,570
Net Interest Income	9,150	9,755	9,645	7,688	5,968
Net Interest Income Growth (YoY)	-6.20%	1.14%	25.45%	28.82%	-1.26%
Income From Trading Activities	1,684	1,537	1,004	929	763
Gain (Loss) on Sale of Assets	81	36	71	99	107
Gain (Loss) on Sale of Investments	58	24	47	-206	92
Other Non-Interest Income	3,641	3,121	2,740	2,776	3,666
Total Non-Interest Income	5,464	4,718	3,862	3,598	4,628
Non-Interest Income Growth (YoY)	15.81%	22.17%	7.34%	-22.26%	13.02%
Revenues Before Loan Losses	14,614	14,473	13,507	11,286	10,596
Provision for Loan Losses	665	690	733	584	873
Revenue	13,949	13,783	12,774	10,702	9,723
Revenue Growth (YoY)	1.20%	7.90%	19.36%	10.07%	20.10%
Salaries and Employee Benefits	3,845	3,775	3,440	3,153	2,955
Amortization of Goodwill & Intangibles	21	59	103	104	103
Selling, General & Administrative	62	62	61	80	225
Other Non-Interest Expense	1,975	1,905	1,722	1,605	1,584
Total Non-Interest Expense	4,826	4,807	4,373	4,032	4,043
EBT Excluding Unusual Items	9,123	8,976	8,401	6,670	5,680
Pretax Income	9,123	8,976	8,401	6,670	5,680
Income Tax Expense	1,563	1,228	1,236	1,031	648
Earnings From Continuing Operations	7,560	7,748	7,165	5,639	5,032
Minority Interest in Earnings	-138	-161	-144	-113	-174
Net Income	7,422	7,587	7,021	5,526	4,858
Preferred Dividends & Other Adjustments	-	-	66	-	46
Net Income to Common	7,422	7,587	6,955	5,526	4,812
Net Income Growth	-2.17%	8.06%	27.05%	13.75%	35.47%
Basic Shares Outstanding	4,553	4,543	4,495	4,530	4,489
Diluted Shares Outstanding	4,553	4,543	4,498	4,530	4,494
Shares Change (YoY)	0.23%	1.00%	-0.70%	0.79%	1.65%
EPS (Basic)	1.63	1.67	1.55	1.22	1.07
EPS (Diluted)	1.63	1.67	1.55	1.22	1.07
EPS Growth	-2.40%	7.93%	26.83%	14.02%	33.86%
Dividend Per Share	0.830	0.850	0.820	0.680	0.530
Dividend Growth	-2.35%	3.66%	20.59%	28.30%	66.67%
Effective Tax Rate	17.13%	13.68%	14.71%	15.46%	11.41%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.