Overview of OCBC Bank's financials


Financial results

Financial calendar

  • 25 February 2026

    2025 Full Year Results Announcement

  • 16 April 2026

    2026 Annual General Meeting

  • 8 May 2026

    2026 First Quarter Results Announcement

  • 7 August 2026*

    2026 Half Year Results Announcement

  • 6 November 2026*

    2026 Third Quarter Results Announcement 

  • * The above dates are indicative and may be subject to change. Any updates will be posted on this website.

Historical financial highlights

  • Income Statement (S$ million)

    2025Income Statement (S$ million)Income Statement (S$ million)
    2025 2024 2023 2022 1/ 2021 2020 2019 2018 2017 2/ 2016
    Total Income 14,614 14,473 13,507 11,286 10,596 10,139 10,871 9,701 9,528 8,489
    Operating Expenses 5,882 5,742 5,223 4,838 4,764 4,439 4,644 4,214 4,043 3,788
    Operating Profit before Allowances and Amortisation 8,732 8,731 8,284 6,448 5,832 5,700 6,227 5,487 5,485 4,701
    Allowances for Loans and Other Assets 665 690 733 584 873 2,043 890 288 671 726
    Net Profit Attributable to Equity Holders of the Bank 7,422 7,587 7,021 5,526 4,858 3,586 4,869 4,492 4,045 3,473
    Excluding non-core gains (S$ million)
    Total Core Income 14,614 14,473 13,507 11,286 10,596 10,139 10,871 9,701 9,528 8,489
    Core Operating Profit before Allowances and Amortisation 8,732 8,731 8,284 6,448 5,832 5,700 6,227 5,487 5,485 4,701
    Core Net Profit Attributable to Equity Holders of the Bank 7,422 7,587 7,021 5,526 4,858 3,586 4,960 4,492 4,045 3,473
    • 2025
    • 2024
    • 2023
    • 2022 1/
    • 2021
    • 2020
    • 2019
    • 2018
    • 2017 2/
    • 2016
    2025 2024 2023 2022 1/ 2021 2020 2019 2018 2017 2/ 2016
    Total Income 14,614 14,473 13,507 11,286 10,596 10,139 10,871 9,701 9,528 8,489
    Operating Expenses 5,882 5,742 5,223 4,838 4,764 4,439 4,644 4,214 4,043 3,788
    Operating Profit before Allowances and Amortisation 8,732 8,731 8,284 6,448 5,832 5,700 6,227 5,487 5,485 4,701
    Allowances for Loans and Other Assets 665 690 733 584 873 2,043 890 288 671 726
    Net Profit Attributable to Equity Holders of the Bank 7,422 7,587 7,021 5,526 4,858 3,586 4,869 4,492 4,045 3,473
    Excluding non-core gains (S$ million)
    Total Core Income 14,614 14,473 13,507 11,286 10,596 10,139 10,871 9,701 9,528 8,489
    Core Operating Profit before Allowances and Amortisation 8,732 8,731 8,284 6,448 5,832 5,700 6,227 5,487 5,485 4,701
    Core Net Profit Attributable to Equity Holders of the Bank 7,422 7,587 7,021 5,526 4,858 3,586 4,960 4,492 4,045 3,473

  • Balance Sheet (S$ million)

    2025Balance Sheet (S$ million)Balance Sheet (S$ million)
    2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
    Total Assets 675,688 625,050 581,424 556,924 542,187 521,395 491,691 467,543 452,693 409,884
    Assets Excluding Investment Securities and Other Assets for Life Insurance Funds 566,079 522,759 483,907 461,927 442,091 424,327 404,353 390,676 378,766 347,911
    Net Loans to Customers 3/ 336,692 315,096 292,754 291,467 286,281 263,538 262,348 255,502 234,668 217,295
    Deposits of Non-bank Customers 428,286 390,687 363,770 350,081 342,395 314,907 302,851 295,412 283,642 261,486
    Ordinary Equity 60,070 57,616 52,920 49,417 51,463 48,422 45,662 40,637 37,528 35,507
    Equity Attributable to Equity Holders of the Bank 61,768 59,316 54,170 51,117 52,663 49,622 47,162 42,137 39,028 37,007
    • 2025
    • 2024
    • 2023
    • 2022
    • 2021
    • 2020
    • 2019
    • 2018
    • 2017
    • 2016
    2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
    Total Assets 675,688 625,050 581,424 556,924 542,187 521,395 491,691 467,543 452,693 409,884
    Assets Excluding Investment Securities and Other Assets for Life Insurance Funds 566,079 522,759 483,907 461,927 442,091 424,327 404,353 390,676 378,766 347,911
    Net Loans to Customers 3/ 336,692 315,096 292,754 291,467 286,281 263,538 262,348 255,502 234,668 217,295
    Deposits of Non-bank Customers 428,286 390,687 363,770 350,081 342,395 314,907 302,851 295,412 283,642 261,486
    Ordinary Equity 60,070 57,616 52,920 49,417 51,463 48,422 45,662 40,637 37,528 35,507
    Equity Attributable to Equity Holders of the Bank 61,768 59,316 54,170 51,117 52,663 49,622 47,162 42,137 39,028 37,007

  • Ratios (%)

    2025Ratios (%)Ratios (%)
    2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
    Cost-to-Income 40.2 39.7 38.7 42.9 45.0 43.8 42.7 43.4 42.4 44.6
    Cost-to-Income excluding non-core gains 40.2 39.7 38.7 42.9 45.0 43.8 42.7 43.4 42.4 44.6
    Loans-to-Deposits 78.6 80.7 80.5 83.3 83.6 83.7 86.5 86.4 82.5 82.9
    Non-performing Loan Ratio 0.9 0.9 1.0 1.2 1.5 1.5 1.5 1.5 1.5 1.3
    Return on Equity (ROE) 12.6 13.7 13.7 11.1 9.6 7.6 11.2 11.5 11.0 10.0
    Core ROE 12.6 13.7 13.7 11.1 9.6 7.6 11.4 11.5 11.0 10.0
    Core Return on Assets 4/ 1.37 1.53 1.46 1.21 1.13 0.85 1.26 1.17 1.11 1.03
    • 2025
    • 2024
    • 2023
    • 2022
    • 2021
    • 2020
    • 2019
    • 2018
    • 2017
    • 2016
    2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
    Cost-to-Income 40.2 39.7 38.7 42.9 45.0 43.8 42.7 43.4 42.4 44.6
    Cost-to-Income excluding non-core gains 40.2 39.7 38.7 42.9 45.0 43.8 42.7 43.4 42.4 44.6
    Loans-to-Deposits 78.6 80.7 80.5 83.3 83.6 83.7 86.5 86.4 82.5 82.9
    Non-performing Loan Ratio 0.9 0.9 1.0 1.2 1.5 1.5 1.5 1.5 1.5 1.3
    Return on Equity (ROE) 12.6 13.7 13.7 11.1 9.6 7.6 11.2 11.5 11.0 10.0
    Core ROE 12.6 13.7 13.7 11.1 9.6 7.6 11.4 11.5 11.0 10.0
    Core Return on Assets 4/ 1.37 1.53 1.46 1.21 1.13 0.85 1.26 1.17 1.11 1.03

  • Per Ordinary Share (S$)

    2025Per Ordinary Share (S$)Per Ordinary Share (S$)
    2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
    Basic Earnings 1.63 1.67 1.55 1.22 1.07 0.80 1.12 1.06 0.95 0.82
    Basic Core Earnings 1.63 1.67 1.55 1.22 1.07 0.80 1.14 1.06 0.95 0.82
    Dividend (cents) 5/ 99.0 101.0 82.0 68.0 53.0 31.8 53.0 43.0 37.0 36.0
    Net asset value 13.38 12.80 11.77 10.99 11.46 10.82 10.38 9.56 8.96 8.49
    • 2025
    • 2024
    • 2023
    • 2022
    • 2021
    • 2020
    • 2019
    • 2018
    • 2017
    • 2016
    2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
    Basic Earnings 1.63 1.67 1.55 1.22 1.07 0.80 1.12 1.06 0.95 0.82
    Basic Core Earnings 1.63 1.67 1.55 1.22 1.07 0.80 1.14 1.06 0.95 0.82
    Dividend (cents) 5/ 99.0 101.0 82.0 68.0 53.0 31.8 53.0 43.0 37.0 36.0
    Net asset value 13.38 12.80 11.77 10.99 11.46 10.82 10.38 9.56 8.96 8.49


1/ In 2023, figures for 2022 were restated with the adoption of Singapore Financial Reporting Standards (International) 17.
2/ In 2018, figures for 2017 were restated with the adoption of Singapore Financial Reporting Standards (International) and GEH accounting policy change.
3/ In 2020, comparatives from 2016 to 2019 were reclassified to conform with the change in presentation.
4/ The computation of return on assets excludes investment securities and other assets for life insurance funds.
5/ In July 2020, the MAS called on locally-incorporated banks headquartered in Singapore to cap total dividends per share for 2020 at 60% of that for 2019. This aims to bolster the banks’ resilience and capacity to support lending to customers while also meeting the needs of shareholders. In July 2021, the dividend cap was lifted for the 2021 dividend.

Download Historical Financials (89KB)

Extract of audited financial statements

FAQs
Common questions
When does OCBC release its financial results?

Our quarterly results are released within 45 days of the close of the quarter and audited results within 2 months of the financial year ending on 31 December. Please view our Financial Calendar for results announcement information.

Where can I get a copy of OCBC's financial results?

Past financial results can be found in the Financial Results section.

Where can I get a copy of the annual report?

Softcopies may be downloaded from the Annual report and AGM section.

Where can I view OCBC's results briefing?

Webcast link for the latest half year/full year results briefing can be found in the Financial Results section.