2025 Sustainability Highlights

In 2025, we continued to create positive impact on the environment, our people and the communities we serve in our sustainability journey. These collective efforts reflect our steadfast commitment to accelerating the transition to a net-zero future, bringing impact to communities and conducting our business responsibly.

Accelerating the Transition to a Net-Zero Future

Extended more than 280 green, transition, social and sustainability-linked loans and served as sustainability advisors in over 210 of these transactions, leading to a $9 billion increase in our committed sustainable finance portfolio to $80 billion

Partnered with Enterprise Singapore to launch the OCBC SME Start-ESG Programme to enable SMEs to obtain baseline sustainability metrics, expert guidance on sustainable practices and access to sustainability-linked loans from OCBC
Built on the success of the award-winning OCBC Sustainability Hub, and continued to empower investors with personalised ESG ratings and insights, enabling them to make informed financial decisions and actively manage their investments
Co-led the Taxonomy workstream of the Singapore Sustainable Finance Association, advancing the Singapore-Asia Taxonomy to enable financial institutions and corporates to structure sustainable and transition financing more effectively
Collaborated with SP Group to deploy Singapore's first district cooling solution in a brownfield development at OCBC Tampines Centre 2, advancing our operational emissions reduction efforts
Implemented energy efficiency measures in the region, including the rooftop solar array deployment at OCBC Centre China and Radiative Cooling at OCBC Macau

Bringing Impact to Communities

Launched the OCBC SeniorCare Programme to empower over 180,000 seniors over three years to age well, reflecting OCBCs commitment to accessible, inclusive and caring banking solutions

Expanded the OCBC app's pay-to-wallet feature to cover 10 leading digital wallets across Asia, improving remittance speed, cost and accessibility especially for the region's unbanked population and Singapore's foreign workforce
Launched Singapore's first dedicated water safety programme for persons with disabilities, offering free lessons, specialised equipment and accessible facilities
Continued reforestation efforts with the planting of trees in China and mangroves across Indonesia
Established a strong mentoring and coaching culture through our Coaching for Growth Programme by partnering International Coaching Federation Singapore to provide continuous support for our people
Strengthened our community outreach efforts in the region, including medical equipment donation in Malaysia, Ramadan food distribution in Indonesia, and programmes supporting underprivileged children and seniors living with dementia in Mainland China and Hong Kong

Conducting Our Business Responsibly

Rolled out secure in-app calls on OCBC's digital banking apps, creating an authenticated call environment to reduce scam and fraud risks

Extended the OCBC Money Lock anti-scam feature to customers in Malaysia and Hong Kong
Launched quantum technology research partnerships with three Singapore universities to advance data security and fraud detection
Launched the Cyber Certification Pathway (CCP) 2.0, a structured and scalable learning framework that upskills employees into cybersecurity specialists, analysts, and business practitioners to address evolving cyber threats. Over 200 graduates from key markets including Singapore, Malaysia, Mainland China and Hong Kong have completed the programme
Initiated the Data Protection Honour Roll in key markets including Singapore, Malaysia, Mainland China and Hong Kong to acknowledge employees who advance privacy awareness, audit readiness and ethical data handling. Each honouree received a unique Non-Fungible Token to celebrate their achievement, reinforcing our robust data protection culture across the Group

Our Net-Zero Progress

OCBC's ambition to reach net-zero emissions by 2050 forms a cornerstone of our broader client engagement strategy. By embedding climate considerations into our financing decisions, we are not only aligning with global sustainability goals but also actively enabling the decarbonisation of the real economy.

Sector	In scope	Emissions	Metric	Reference Pathway	2024	2030 target	2050 target
Power	Power generation companies Power equipment manufacturers	Scope 1 (generation) Scope 3 (equipment manufacturers)	kgCO₂/MWh	IEA NZE⁽¹⁾	286	165	0 by 2040
Oil & Gas	Upstream Integrated	Scope 1 Scope 2 Scope 3	MtCO₂e	IEA NZE⁽¹⁾	8.8	9.6	0.8
Real Estate	Real Estate owner-operators Financed buildings REITs	Scope 1 Scope 2 Scope 3 (Category 13)	Alignment Delta (%)	CRREM⁽²⁾	-1.5%	≤0%	≤0%
Steel	Steel producers	Scope 1 Scope 2	tCO₂/tSteel	MPP – TM⁽³⁾ (regional)	1.70	1.68	0.12
Aviation	Airline operators and lessors	Scope 1 (operators) Scope 3 (lessors)	kgCO₂/passenger-km	IATA Fly Net Zero⁽⁴⁾	0.900	0.088	0
Shipping	Financed vessels	Scopes 1 and 3 (well-to-wake)	Alignment Delta (%)	IMO – PP⁽⁵⁾	0.01%	≤0%	≤0%

Note: The calculations for the Bank's financed emissions are based on our clients' reported emissions data, which are typically published more than three months after the end of the Financial Year. Given the lag time in reporting and time needed to consolidate, calculate and analyse the emissions data, our 2025 Sustainability Report showcases our 2024 financed emissions.

We recognise reference pathways and targets may evolve over time and will continue to monitor these closely to reflect where necessary, noting that we do not intend to change our targets every year. For details on our sectoral approach to target setting and decarbonisation, please refer to our OCBC report "Partnering Clients towards a Net Zero ASEAN and Greater China."

In 2025, we continued to see good progress in our net-zero journey as we worked closely with our clients in supporting their efforts towards a credible and timely transition. Our net-zero targets cover six priority sectors: Power, Oil & Gas, Real Estate, Steel, Aviation and Shipping, which comprise close to 40% of OCBC's corporate and commercial lending portfolio.

Amid growing geopolitical divergence in the climate landscape, we remain committed to supporting our clients through their transition. Our role in enabling a just transition and leading in sustainable financing is more critical than ever.

Please refer to our Sustainability Report for more information by clicking here.

(1) International Energy Agency Net Zero Emissions by 2050 (IEA NZE)

(2) Carbon Risk Real Estate Monitor (CRREM)

(3) Mission Possible Partnership's Tech Moratorium (MPP-TM)

(4) International Air Transport Association Fly Net Zero (IATA Fly Net Zero)

(5) International Maritime Organisation - Poseidon Principles (IMO - PP)