Banking and Financial Services: approx. 70%
Insurance: approx. 20%
Asset Management: approx. 10%

TOP 3 Markets:
Singapore: 45%
Malaysia: 25%
China: 15%

Oversea-Chinese Banking Corporation Limited (OCBC) generates the majority of its revenue from banking and financial services, followed by insurance and asset management. Singapore is the main market for OCBC, as the majority of its revenue is generated here. Malaysia and China follow as important markets, where OCBC is also strongly present. This distribution reflects the company's strategic focus on the Asian market.

Headquarters: Singapore

Oversea-Chinese Banking Corporation Limited (OCBC) is one of the largest banks in Singapore and Southeast Asia. As a financial institution, OCBC does not produce physical products in the traditional sense, but offers a variety of financial services. These include banking services, asset management, insurance, and investment banking.

OCBC's services and products are mainly offered in Singapore, Malaysia, Indonesia, and China. OCBC operates a network of branches and subsidiaries in these countries to offer its services locally.

Growth Strategy: Digitalization and Sustainability

Oversea-Chinese Banking Corporation Limited (OCBC) pursues a strategy that is strongly focused on digitalization and sustainability.

The company invests significantly in digital technologies to enhance its services and optimize customer experience. This includes the introduction of new digital platforms and the improvement of mobile banking services to meet the changing needs of customers.

In addition, OCBC places great emphasis on sustainable financing and is committed to strengthening its Environmental, Social, and Governance (ESG) goals. This includes supporting projects aimed at renewable energies and environmentally friendly technologies.

Through these strategic initiatives, OCBC aims to solidify its market position while simultaneously tapping into new growth opportunities in the Asia-Pacific region.

Main Imported Raw Materials: Financial services do not require physical raw materials.

Countries of Origin: Not applicable.

The Oversea-Chinese Banking Corporation Limited (OCBC) is a bank and not a manufacturing company. Therefore, it does not import physical raw materials or materials. Its business focuses on financial services, including lending, asset management, and investment banking. However, the bank may invest in financial instruments that have commodities as underlying assets, but this does not equate to the physical import of raw materials.

Return on Equity (ROE): 11.2% (2024)
Cost-Income Ratio: 42.5% (2024)
Tier 1 Capital Ratio: 15.0% (2024)

Oversea-Chinese Banking Corporation Limited (OCBC) has several competitive advantages that underpin its strong position in the financial sector. The return on equity of 11.2% indicates that the company operates efficiently and provides its shareholders with a solid return. This is an indicator of effective capital utilization and strong management.

The cost-income ratio of 42.5% suggests that OCBC controls its costs well in relation to its income. A low cost-income ratio is a sign of operational efficiency and enables the bank to offer competitive prices and services.

With a Tier 1 capital ratio of 15.0%, OCBC has a strong capital base that allows the bank to absorb financial shocks and meet regulatory requirements. This strengthens investors' and customers' confidence in the bank's stability.

In addition, OCBC benefits from its strong presence in Asia, particularly in Singapore, Malaysia, and Indonesia, allowing the bank to capitalize on the growing markets in this region. The diversification of its services and investments in digital technologies also contribute to its competitive advantage.

Institutional Investor Share: Approx. 60% (estimated, 2025)
Insider Purchases/Sales: No significant transactions in the last year (2024)

The institutional investor share in Oversea-Chinese Banking Corporation Limited (OCBC) is estimated to be around 60%. This demonstrates the confidence of large institutional investors in the stability and growth potential of the bank.

In 2024, there were no significant insider purchases or sales, indicating that the management and other insiders do not currently anticipate any major changes in the company's valuation or prospects. This can be seen as a sign of a stable internal assessment of the company's situation.

Market share of Oversea-Chinese Banking Corporation Limited (OCBC): 18% (estimated, 2025)

Main competitors and their market shares:

1. DBS Group Holdings Ltd: 30%
2. United Overseas Bank Limited (UOB): 25%
3. OCBC: 18%
4. Standard Chartered Bank: 10%
5. HSBC Holdings plc: 8%
6. Citibank Singapore: 5%
7. Maybank Singapore: 4%

OCBC's economic moat: OCBC has a significant economic moat due to its strong brand presence in Singapore and Southeast Asia, an extensive branch network, and a diversified product range appealing to both retail and business customers. The focus on digital transformation and innovative financial products further strengthens its competitive position.

Compared to its competitors, DBS has the strongest economic moat, particularly through its leading position in digital banking and extensive regional presence. UOB is also well-positioned, especially through its strategic partnerships and strong capital base.

OCBC's economic moat is solid, though not as pronounced as that of DBS, which is considered a market leader in several areas. Nevertheless, OCBC remains competitive through its strategic focus on growth regions and innovative financial solutions.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity (ROE): 11.5% (2024)

Oversea-Chinese Banking Corporation Limited (OCBC) achieved solid revenue growth of 8.5% in 2024, attributed to strong operational performance and efficient cost control. The profit growth of 10.2% indicates that the company was able to increase its profitability, which is positive for investors.

The return on equity of 11.5% in 2024 suggests that OCBC effectively utilizes capital to generate profits. This is a good sign for the long-term profitability and attractiveness of the stock.

Additionally, OCBC has invested in digital transformation and sustainable financial solutions in recent years, increasing the potential for future growth and market share gains. The strong market position in Asia and diversification of revenue sources also contribute to the company's stability.

Overall, the fundamental indicators and strategic initiatives suggest that OCBC's stock could be an attractive investment opportunity, especially for investors interested in long-term growth.

Dividend Yield: 4.5% (estimated for 2025)
Dividend History: Steady payouts over the last 5 years

Oversea-Chinese Banking Corporation Limited (OCBC) is known for its reliable dividend payments. In recent years, the company has consistently distributed dividends, indicating a stable financial health and strong earning power.

The dividend yield of approximately 4.5% in 2025 shows that OCBC offers an attractive return for investors who value regular payouts. The bank has also maintained its dividend policy in economically challenging times in the past, indicating a solid capital base and effective risk management.

Therefore, investors can expect reliable dividend payments in the future as well, unless unforeseen economic turbulence occurs.