FRA:OCBA Balance Sheet

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

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	-	28,829	28,870	29,984	22,708	22,077
Investment Securities	-	236,368	219,487	192,401	100,373	102,403
Trading Asset Securities	-	17,203	12,976	15,605	9,267	15,223
Total Investments	-	253,571	232,463	208,006	109,640	117,626
Gross Loans	-	319,166	296,653	294,980	289,716	267,240
Allowance for Loan Losses	-	-4,070	-3,899	-3,513	-3,435	-3,702
Net Loans	-	315,096	292,754	291,467	286,281	263,538
Property, Plant & Equipment	-	2,436	2,434	3,483	2,888	3,115
Goodwill	-	4,465	4,403	-	4,467	4,431
Other Intangible Assets	-	1,328	1,192	4,643	925	858
Investments in Real Estate	-	675	723	763	801	813
Accrued Interest Receivable	-	2,254	2,215	-	889	970
Other Receivables	-	1,093	1,163	-	962	1,197
Restricted Cash	-	-	-	-	5,211	4,448
Other Current Assets	-	2,031	1,543	-	1,922	2,543
Long-Term Deferred Tax Assets	-	538	586	448	280	133
Other Long-Term Assets	-	12,734	13,078	18,130	105,213	99,646
Total Assets	-	625,050	581,424	556,924	542,187	521,395
Accrued Expenses	-	-	-	236	431	406
Interest Bearing Deposits	-	292,649	270,189	247,882	212,557	205,742
Non-Interest Bearing Deposits	-	109,603	104,465	112,245	138,077	118,751
Total Deposits	-	402,252	374,654	360,127	350,634	324,493
Short-Term Borrowings	-	34,105	28,138	26,807	17,738	27,573
Current Portion of Long-Term Debt	-	5,993	5,261	-	3,918	3,230
Current Income Taxes Payable	-	879	1,037	995	905	745
Accrued Interest Payable	-	1,940	1,995	-	328	472
Other Current Liabilities	-	629	616	212	883	739
Long-Term Debt	-	7,693	6,874	11,179	7,529	9,068
Long-Term Leases	-	234	218	-	228	278
Long-Term Deferred Tax Liabilities	-	841	636	349	2,832	1,818
Other Long-Term Liabilities	-	110,104	106,441	104,594	102,423	101,397
Total Liabilities	-	564,670	525,870	504,499	487,849	470,219
Common Stock	-	18,096	18,045	18,048	18,040	17,833
Retained Earnings	-	38,834	34,956	31,721	32,134	28,666
Comprehensive Income & Other	-	2,386	1,169	1,348	2,489	3,123
Total Common Equity	60,449	59,316	54,170	51,117	52,663	49,622
Minority Interest	-	1,064	1,384	1,308	1,675	1,554
Shareholders' Equity	61,521	60,380	55,554	52,425	54,338	51,176
Total Liabilities & Equity	-	625,050	581,424	556,924	542,187	521,395
Total Debt	45,133	48,025	40,491	37,986	29,413	40,149
Net Cash (Debt)	45,505	46,184	44,822	42,829	28,024	29,958
Net Cash Growth	6.73%	3.04%	4.65%	52.83%	-6.46%	25.59%
Net Cash Per Share	10.12	10.26	9.96	9.46	6.24	6.78
Filing Date Shares Outstanding	4,496	4,496	4,494	4,495	4,493	4,475
Total Common Shares Outstanding	4,496	4,500	4,494	4,495	4,492	4,474
Book Value Per Share	12.92	12.80	11.78	10.99	11.46	10.82
Tangible Book Value	56,099	53,523	48,575	46,474	47,271	44,333
Tangible Book Value Per Share	11.95	11.52	10.53	9.96	10.26	9.64

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