Oversea-Chinese Banking Corporation Ltd
SGX:O39
Income Statement
Income Statement
Oversea-Chinese Banking Corporation Ltd
| Jun-2004 | Sep-2004 | Dec-2004 | Mar-2005 | Jun-2005 | Sep-2005 | Dec-2005 | Mar-2006 | Jun-2006 | Sep-2006 | Dec-2006 | Mar-2007 | Jun-2007 | Sep-2007 | Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Jun-2020 | Dec-2020 | Jun-2021 | Dec-2021 | Jun-2022 | Dec-2022 | Jun-2023 | Dec-2023 | Jun-2024 | Dec-2024 | Jun-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
1 472
|
1 497
|
1 518
|
1 516
|
1 543
|
1 573
|
1 597
|
1 629
|
1 657
|
1 716
|
1 794
|
1 907
|
2 030
|
2 123
|
2 244
|
2 375
|
2 495
|
2 613
|
2 783
|
2 885
|
2 917
|
2 921
|
2 825
|
2 789
|
2 799
|
2 865
|
2 947
|
3 027
|
3 134
|
3 254
|
3 410
|
3 576
|
3 680
|
3 750
|
3 748
|
3 709
|
3 739
|
3 773
|
3 883
|
4 058
|
4 223
|
4 491
|
4 736
|
4 898
|
5 054
|
5 125
|
5 189
|
5 247
|
5 225
|
5 142
|
5 052
|
5 017
|
5 102
|
5 250
|
5 423
|
5 566
|
5 671
|
5 794
|
5 890
|
6 009
|
6 147
|
6 242
|
6 331
|
6 318
|
5 966
|
5 759
|
5 855
|
6 156
|
7 688
|
9 212
|
9 645
|
9 785
|
9 755
|
9 516
|
|
| Interest Income |
2 402
|
2 472
|
2 560
|
2 674
|
2 932
|
3 194
|
3 470
|
3 738
|
3 961
|
4 239
|
4 516
|
4 800
|
5 003
|
5 130
|
5 265
|
5 332
|
5 316
|
5 301
|
5 267
|
5 083
|
4 850
|
4 537
|
4 184
|
4 057
|
4 058
|
4 193
|
4 363
|
4 535
|
4 764
|
5 017
|
5 320
|
5 630
|
5 845
|
5 965
|
5 968
|
5 924
|
5 949
|
6 005
|
6 174
|
6 423
|
6 675
|
7 143
|
7 607
|
8 008
|
8 337
|
8 442
|
8 486
|
8 535
|
8 524
|
8 453
|
8 368
|
8 329
|
8 476
|
8 749
|
9 118
|
9 511
|
9 980
|
10 501
|
11 049
|
11 552
|
11 922
|
12 138
|
12 098
|
11 234
|
9 143
|
7 625
|
7 425
|
7 878
|
11 590
|
17 272
|
20 867
|
22 251
|
22 444
|
21 618
|
|
| Interest Expense |
929
|
974
|
1 043
|
1 158
|
1 389
|
1 621
|
1 873
|
2 109
|
2 304
|
2 523
|
2 722
|
2 893
|
2 973
|
3 007
|
3 021
|
2 957
|
2 821
|
2 688
|
2 484
|
2 198
|
1 933
|
1 616
|
1 359
|
1 268
|
1 259
|
1 328
|
1 416
|
1 508
|
1 630
|
1 763
|
1 910
|
2 054
|
2 165
|
2 215
|
2 220
|
2 215
|
2 210
|
2 232
|
2 291
|
2 365
|
2 452
|
2 652
|
2 871
|
3 110
|
3 283
|
3 317
|
3 297
|
3 287
|
3 298
|
3 310
|
3 316
|
3 312
|
3 374
|
3 499
|
3 695
|
3 945
|
4 309
|
4 707
|
5 159
|
5 543
|
5 775
|
5 896
|
5 766
|
4 915
|
3 177
|
1 866
|
1 570
|
1 722
|
3 902
|
8 060
|
11 222
|
12 466
|
12 689
|
12 102
|
|
| Non Interest Income |
838
|
907
|
1 108
|
936
|
899
|
829
|
7 487
|
2 627
|
5 032
|
6 879
|
9 167
|
9 755
|
9 963
|
10 323
|
10 396
|
10 241
|
9 897
|
9 701
|
7 749
|
7 012
|
6 879
|
7 680
|
9 578
|
10 255
|
10 059
|
9 851
|
10 247
|
10 489
|
10 840
|
10 003
|
9 649
|
9 966
|
9 874
|
13 609
|
14 022
|
14 040
|
14 667
|
12 087
|
12 229
|
12 298
|
12 554
|
13 105
|
13 202
|
13 871
|
14 032
|
13 164
|
13 492
|
13 389
|
13 466
|
14 559
|
14 905
|
16 196
|
16 893
|
17 924
|
20 222
|
18 357
|
18 063
|
18 819
|
15 899
|
18 268
|
19 675
|
19 231
|
22 570
|
20 311
|
25 329
|
27 449
|
24 271
|
14 344
|
10 132
|
9 497
|
(387)
|
10 549
|
57
|
9 032
|
|
| Revenue |
2 310
N/A
|
2 404
+4%
|
2 626
+9%
|
2 452
-7%
|
2 442
0%
|
2 402
-2%
|
9 084
+278%
|
4 256
-53%
|
6 689
+57%
|
8 595
+28%
|
10 961
+28%
|
11 662
+6%
|
11 993
+3%
|
12 446
+4%
|
12 640
+2%
|
12 616
0%
|
12 392
-2%
|
12 314
-1%
|
10 532
-14%
|
9 897
-6%
|
9 796
-1%
|
10 601
+8%
|
12 403
+17%
|
13 044
+5%
|
12 858
-1%
|
12 716
-1%
|
13 194
+4%
|
13 516
+2%
|
13 974
+3%
|
13 257
-5%
|
13 059
-1%
|
13 542
+4%
|
13 554
+0%
|
17 359
+28%
|
17 770
+2%
|
17 749
0%
|
18 406
+4%
|
15 860
-14%
|
16 112
+2%
|
16 355
+2%
|
16 776
+3%
|
17 595
+5%
|
17 938
+2%
|
18 769
+5%
|
19 086
+2%
|
18 289
-4%
|
18 681
+2%
|
18 637
0%
|
18 692
+0%
|
19 702
+5%
|
19 957
+1%
|
21 213
+6%
|
21 995
+4%
|
23 174
+5%
|
25 645
+11%
|
23 923
-7%
|
23 734
-1%
|
24 613
+4%
|
21 789
-11%
|
24 277
+11%
|
25 822
+6%
|
25 473
-1%
|
28 901
+13%
|
26 629
-8%
|
31 295
+18%
|
33 208
+6%
|
30 126
-9%
|
20 500
-32%
|
17 820
-13%
|
18 709
+5%
|
9 258
-51%
|
20 334
+120%
|
9 812
-52%
|
18 548
+89%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(134)
|
(133)
|
(77)
|
(81)
|
(57)
|
3
|
(12)
|
0
|
0
|
(16)
|
(2)
|
(2)
|
14
|
(22)
|
(36)
|
(28)
|
(99)
|
(216)
|
(447)
|
(651)
|
(700)
|
(595)
|
(429)
|
(257)
|
(171)
|
(163)
|
(134)
|
(158)
|
(196)
|
(191)
|
(221)
|
(268)
|
(250)
|
(282)
|
(271)
|
(196)
|
(241)
|
(265)
|
(263)
|
(286)
|
(268)
|
(271)
|
(359)
|
(380)
|
(395)
|
(448)
|
(409)
|
(591)
|
(599)
|
(615)
|
(656)
|
(727)
|
(808)
|
(798)
|
(672)
|
(516)
|
(368)
|
(261)
|
(288)
|
(524)
|
(614)
|
(888)
|
(892)
|
(1 937)
|
(2 043)
|
(1 029)
|
(873)
|
(596)
|
(584)
|
(830)
|
(733)
|
(684)
|
(690)
|
(703)
|
|
| Non Interest Expense |
(552)
|
(771)
|
(1 057)
|
(797)
|
(785)
|
(787)
|
(7 367)
|
(2 525)
|
(4 439)
|
(6 284)
|
(8 483)
|
(8 861)
|
(9 493)
|
(9 826)
|
(10 065)
|
(10 054)
|
(9 882)
|
(9 768)
|
(8 001)
|
(7 190)
|
(6 920)
|
(7 769)
|
(9 431)
|
(10 123)
|
(10 015)
|
(9 690)
|
(10 180)
|
(10 516)
|
(10 841)
|
(10 223)
|
(9 883)
|
(10 058)
|
(10 005)
|
(12 235)
|
(12 537)
|
(12 764)
|
(13 427)
|
(12 069)
|
(12 281)
|
(12 253)
|
(12 312)
|
(12 637)
|
(12 816)
|
(13 532)
|
(13 687)
|
(13 192)
|
(13 448)
|
(13 404)
|
(13 645)
|
(14 588)
|
(15 026)
|
(16 194)
|
(16 721)
|
(17 716)
|
(19 875)
|
(17 990)
|
(17 726)
|
(18 539)
|
(15 949)
|
(18 113)
|
(19 596)
|
(19 177)
|
(22 210)
|
(20 078)
|
(25 087)
|
(26 604)
|
(23 573)
|
(14 305)
|
(10 566)
|
(9 976)
|
(124)
|
(10 904)
|
(146)
|
(8 945)
|
|
| Pre-Tax Income |
1 624
N/A
|
1 500
-8%
|
1 491
-1%
|
1 574
+6%
|
1 601
+2%
|
1 618
+1%
|
1 706
+5%
|
1 744
+2%
|
2 261
+30%
|
2 296
+2%
|
2 476
+8%
|
2 799
+13%
|
2 514
-10%
|
2 598
+3%
|
2 539
-2%
|
2 534
0%
|
2 411
-5%
|
2 330
-3%
|
2 085
-11%
|
2 056
-1%
|
2 176
+6%
|
2 237
+3%
|
2 543
+14%
|
2 664
+5%
|
2 672
+0%
|
2 863
+7%
|
2 880
+1%
|
2 842
-1%
|
2 937
+3%
|
2 843
-3%
|
2 955
+4%
|
3 215
+9%
|
3 298
+3%
|
4 841
+47%
|
4 962
+2%
|
4 789
-3%
|
4 738
-1%
|
3 526
-26%
|
3 567
+1%
|
3 816
+7%
|
4 196
+10%
|
4 687
+12%
|
4 763
+2%
|
4 856
+2%
|
5 003
+3%
|
4 648
-7%
|
4 825
+4%
|
4 642
-4%
|
4 448
-4%
|
4 499
+1%
|
4 275
-5%
|
4 292
+0%
|
4 466
+4%
|
4 660
+4%
|
5 099
+9%
|
5 418
+6%
|
5 641
+4%
|
5 814
+3%
|
5 552
-5%
|
5 640
+2%
|
5 612
0%
|
5 408
-4%
|
5 800
+7%
|
4 614
-20%
|
4 165
-10%
|
5 575
+34%
|
5 680
+2%
|
5 599
-1%
|
6 670
+19%
|
7 903
+18%
|
8 401
+6%
|
8 746
+4%
|
8 976
+3%
|
8 900
-1%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(490)
|
(290)
|
(270)
|
(287)
|
(291)
|
(291)
|
(308)
|
(320)
|
(354)
|
(366)
|
(370)
|
(358)
|
(331)
|
(326)
|
(356)
|
(391)
|
(392)
|
(362)
|
(224)
|
(232)
|
(273)
|
(294)
|
(388)
|
(386)
|
(361)
|
(418)
|
(433)
|
(448)
|
(464)
|
(442)
|
(477)
|
(518)
|
(536)
|
(668)
|
(699)
|
(670)
|
(681)
|
(602)
|
(598)
|
(641)
|
(664)
|
(694)
|
(687)
|
(688)
|
(707)
|
(704)
|
(717)
|
(692)
|
(682)
|
(676)
|
(629)
|
(639)
|
(643)
|
(660)
|
(803)
|
(862)
|
(923)
|
(964)
|
(877)
|
(845)
|
(823)
|
(729)
|
(778)
|
(640)
|
(437)
|
(569)
|
(648)
|
(689)
|
(1 031)
|
(1 239)
|
(1 236)
|
(1 228)
|
(1 228)
|
(1 403)
|
|
| Income from Continuing Operations |
1 134
|
1 210
|
1 222
|
1 288
|
1 310
|
1 326
|
1 397
|
1 424
|
1 907
|
1 930
|
2 106
|
2 441
|
2 183
|
2 272
|
2 183
|
2 143
|
2 019
|
1 968
|
1 860
|
1 824
|
1 903
|
1 943
|
2 154
|
2 278
|
2 311
|
2 445
|
2 447
|
2 394
|
2 473
|
2 401
|
2 479
|
2 698
|
2 763
|
4 174
|
4 263
|
4 119
|
4 057
|
2 924
|
2 970
|
3 176
|
3 533
|
3 994
|
4 076
|
4 169
|
4 297
|
3 945
|
4 108
|
3 950
|
3 766
|
3 823
|
3 646
|
3 654
|
3 824
|
4 001
|
4 296
|
4 556
|
4 718
|
4 850
|
4 675
|
4 795
|
4 789
|
4 679
|
5 022
|
3 974
|
3 728
|
5 006
|
5 032
|
4 910
|
5 639
|
6 664
|
7 165
|
7 518
|
7 748
|
7 497
|
|
| Income to Minority Interest |
(10)
|
(58)
|
(73)
|
(96)
|
(114)
|
(95)
|
(99)
|
(106)
|
(98)
|
(97)
|
(104)
|
(110)
|
(115)
|
(120)
|
(112)
|
(98)
|
(81)
|
(91)
|
(111)
|
(151)
|
(189)
|
(182)
|
(192)
|
(185)
|
(181)
|
(194)
|
(193)
|
(189)
|
(194)
|
(179)
|
(166)
|
(181)
|
(175)
|
(249)
|
(270)
|
(262)
|
(250)
|
(208)
|
(202)
|
(205)
|
(240)
|
(228)
|
(234)
|
(233)
|
(233)
|
(211)
|
(205)
|
(184)
|
(163)
|
(179)
|
(173)
|
(175)
|
(189)
|
(201)
|
(252)
|
(262)
|
(256)
|
(251)
|
(183)
|
(184)
|
(163)
|
(126)
|
(153)
|
(132)
|
(142)
|
(187)
|
(174)
|
(121)
|
(113)
|
(141)
|
(144)
|
(160)
|
(161)
|
(137)
|
|
| Net Income (Common) |
1 078
N/A
|
1 105
+3%
|
1 109
+0%
|
1 153
+4%
|
1 157
+0%
|
1 192
+3%
|
1 259
+6%
|
1 279
+2%
|
1 789
+40%
|
1 794
+0%
|
1 963
+9%
|
2 292
+17%
|
2 010
-12%
|
2 113
+5%
|
2 032
-4%
|
2 007
-1%
|
1 900
-5%
|
1 839
-3%
|
1 690
-8%
|
1 614
-4%
|
1 630
+1%
|
1 722
+6%
|
1 872
+9%
|
2 093
+12%
|
2 175
+4%
|
2 251
+3%
|
2 163
-4%
|
2 115
-2%
|
2 189
+3%
|
2 132
-3%
|
2 222
+4%
|
2 426
+9%
|
2 497
+3%
|
3 834
+54%
|
3 885
+1%
|
3 749
-4%
|
3 699
-1%
|
2 608
-29%
|
2 678
+3%
|
2 881
+8%
|
3 203
+11%
|
3 676
+15%
|
3 785
+3%
|
3 879
+2%
|
4 007
+3%
|
3 677
-8%
|
3 846
+5%
|
3 710
-4%
|
3 547
-4%
|
3 588
+1%
|
3 414
-5%
|
3 419
+0%
|
3 575
+5%
|
3 740
+5%
|
3 983
+7%
|
4 233
+6%
|
4 401
+4%
|
4 538
+3%
|
4 473
-1%
|
4 592
+3%
|
4 607
+0%
|
4 534
-2%
|
4 810
+6%
|
3 974
-17%
|
3 533
-11%
|
4 766
+35%
|
4 812
+1%
|
4 743
-1%
|
5 470
+15%
|
6 467
+18%
|
6 955
+8%
|
7 292
+5%
|
7 523
+3%
|
7 296
-3%
|
|
| EPS (Diluted) |
0.34
N/A
|
0.36
+6%
|
0.34
-6%
|
0.35
+3%
|
0.34
-3%
|
0.35
+3%
|
0.39
+11%
|
0.4
+3%
|
0.56
+40%
|
0.56
N/A
|
0.61
+9%
|
0.71
+16%
|
0.63
-11%
|
0.67
+6%
|
0.64
-4%
|
0.64
N/A
|
0.61
-5%
|
0.59
-3%
|
0.53
-10%
|
0.51
-4%
|
0.51
N/A
|
0.47
-8%
|
0.58
+23%
|
0.61
+5%
|
0.59
-3%
|
0.65
+10%
|
0.64
-2%
|
0.62
-3%
|
0.58
-6%
|
0.61
+5%
|
0.64
+5%
|
0.68
+6%
|
0.65
-4%
|
1.07
+65%
|
1.1
+3%
|
1.06
-4%
|
1
-6%
|
0.74
-26%
|
0.76
+3%
|
0.81
+7%
|
0.87
+7%
|
1.03
+18%
|
1.02
-1%
|
0.97
-5%
|
0.97
N/A
|
0.91
-6%
|
0.95
+4%
|
0.89
-6%
|
0.84
-6%
|
0.84
N/A
|
0.82
-2%
|
0.81
-1%
|
0.84
+4%
|
0.88
+5%
|
0.95
+8%
|
1
+5%
|
1.05
+5%
|
1.09
+4%
|
1.06
-3%
|
1.05
-1%
|
1.03
-2%
|
1.04
+1%
|
1.12
+8%
|
0.89
-21%
|
0.8
-10%
|
1.07
+34%
|
1.07
N/A
|
1.05
-2%
|
1.22
+16%
|
1.44
+18%
|
1.55
+8%
|
1.63
+5%
|
1.67
+2%
|
1.61
-4%
|
|