Formed in 1932, Oversea-Chinese Banking Corporation Limited (OCBC) operates in Singapore, Malaysia, Indonesia and Greater China and has more than 610 branches and offices in 18 countries. Today, OCBC is the second largest financial services group in Southeast Asia (after DBS Group) and worth over S$56 billion in market capitalization.

In this article, I’ll bring an overview of OCBC’s performance over the last 10 years, the current risks it faces, and its outlook in the near future. Here are 12 things you need to know about OCBC before you invest.

1. OCBC has achieved a CAGR of 12.6% in loans and bills receivables over the last 10 years. It increased from S$71.3 billion in 2007 to S$234.1 billion in 2017. This is due to two main factors: Firstly, OCBC has grown its loan disbursement over the last 10 years, particularly in the property loans, and syndicated …