Group Business

Banking Services

OCBC Bank operates its commercial banking business in 15 countries and territories including Singapore, Malaysia, Indonesia, China, Hong Kong SAR, Vietnam, Brunei, Japan, Australia, the United Kingdom and the United States.  

Our key markets are Singapore, Malaysia, Indonesia and Greater China. We have a global network of more than 450 branches and representative offices, including 56 branches in Singapore, 41 branches in Malaysia, about 460 branches and offices in Indonesia, and 16 branches and sub-branches across 9 cities in China.

OCBC Singapore is among the top players in bancassurance sales, home loans, unit trust distribution, personal credit, small and medium-sized enterprises market and the Singapore dollar capital market.

Consumer Banking

We offer a full range of products and services to individuals, including wealth management products such as unit trusts, bancassurance products and structured deposits; deposit products; consumer loans such as home loans, car loans, personal loans and credit cards; and securities trading.

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Business Banking

We provide comprehensive financial services to large corporates, financial institutions, government agencies, and small and medium-sized enterprises (SMEs)

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Investment Banking

We provide capital markets, corporate finance and mezzanine capital financing to customers in the Asia Pacific region, offering both conventional and Islamic structures. This division works closely with the other business banking units to develop and customise products and services for our corporate customers.

Transaction Banking

We offer transaction-related services such as cash management, trade finance, and custody/nominee services to SMEs, large corporations, financial institutions and government entities in Singapore and Malaysia.

Global Treasury

We engage in foreign exchange activities, money market operations, fixed income and derivatives trading and also offer structured treasury products and financial solutions to meet our customers’ investment and hedging needs.

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For several decades, OCBC Bank has operated a wholly-owned banking subsidiary, OCBC Bank Malaysia – one of the largest foreign banks by assets, loans, deposits and branch network size in the country.

OCBC Bank Malaysia’s subsidiary, OCBC Al-Amin, offers a full range of Islamic banking products and services that are developed based on the applicable Shariah contract, and with the endorsement of the Shariah Advisory Committee, to meet the needs of Muslims and non-Muslims alike. 

In 2004, we increased our presence in Indonesia by acquiring a stake in the former Bank NISP. Today we own a 85% stake in the entity which has been renamed OCBC NISP.   

OCBC NISP is among the top 10 private sector banks in Indonesia by assets, with a distribution network of about 400 branches and over 37,000 shared ATMs across Indonesia.

In China, we have maintained a continuous presence since 1925, and established our wholly-owned locally incorporated subsidiary – OCBC China – in 2007.  We obtained the RMB retail banking licence in April 2008.  We provide a full suite of products and services to cater to individual financial needs: RMB and foreign currency savings accounts and fixed deposits, investment products such as structured products, dual currency returns and QDII (Qualified Domestic Institutional Investors), insurance plans (for family protection, retirement, education, medical and accident protection), Internet banking service, OCBC China debit card, ATM service and housing loans.    

At the same time, we offer a comprehensive suite of business banking products and services to foreign companies and local enterprises. These include loans, deposits, syndicated loans, cash management, trade and treasury services.