OCBC Bank Business

Banking Services

OCBC Bank offers a comprehensive range of innovative banking services and financial solutions in consumer banking, business banking, investment banking, global treasury, and investment management, among others. In addition, the OCBC Group has diverse subsidiaries that are involved in insurance, financial futures; regional stockbroking; asset management, trustee, nominee and custodian services; property development and hotel management.

Consumer Banking

In Malaysia, OCBC Bank's Consumer Financial Services division offers an array of consumer products and services to its customers. These range from providing convenience in financial transactions and deposits, home loans, credit cards, personal overdraft, commercial property loans and premier banking to investment opportunities and insurance. The Bank also has a leading presence in several segments, including homes loans and wealth management. The Bank also offers a customer engagement model that reaches out to the mass affluent segment, principally through i Q.

To find out more about our Consumer Banking products and services, click here.

Business Banking

The Business Banking division, the corporate banking unit of OCBC Bank, services small and medium-sized enterprises (SMEs), large corporates, real estate companies, government bodies and institutional customers. Its service philosophy is to provide clients with high-quality customer service, a one-stop banking centre with professional expertise and quick turnaround time. It offers clients a whole range of products and services from traditional credit facilities and cash management services to more sophisticated capital raising arrangements in the public debt market.

To find out more about our Business Banking products and services, click here.

Investment Banking

The Investment Banking division, which comprises Capital Markets, Corporate Finance and Mezzanine Capital, works closely with the Business Banking division to develop and customise products and services to meet customers' specific requirements. OCBC Bank was accorded the prestigious Blue Print award by RAM (Rating Agency Malaysia) under the New ABS Benchmark Deal 2006 category in recognition of the pioneering role it played as Lead Arranger of a palm oil Islamic securitisation exercise for the Rimbunan Hijau Group.  The exercise involved the securitisation of future receivables generated from its palm oil plantations and oil mill.

Islamic Banking

After being actively involved in offering Islamic banking products and services since 1995, OCBC Bank launched its wholly-owned Islamic banking subsidiary, OCBC Al-Amin Bank Berhad, on 1 December 2008. OCBC Al-Amin offers products and services which are developed based on the applicable Shariah contract and with the endorsement of the Shariah Advisory Committee to meet the requirements of both Muslims and non-Muslims alike. Features such as fixed financing rates and profit sharing have attracted a growing group of loyal customers who wish to draw from the Islamic principles of fairness, caring and accuracy.

Transaction Banking

The Transaction Banking division offers transaction-related services such as cash management and trade finance to SMEs, large corporations, financial institutions and government entities. A dedicated team of trade specialists helps customers to structure trade solutions for business banking customers’ import/export needs, while cash management specialists offer solutions to help streamline operations and optimise cash flows. With state-of-the-art electronic delivery systems, clients get to make payments and prepare trade documents with ease, speed and accuracy. OCBC has received a number of awards for its transaction banking services.


The Treasury division works in partnership with the Business Banking and Consumer Financial Services divisions to structure products and financial solutions for customers who need to invest their funds or hedge their exposure. It also engages in proprietary trading in foreign exchange, fixed income securities, derivatives and money markets. OCBC's focus here is to assist clients to better manage their market risks in foreign exchange and interest rates. The team focuses on understanding clients' business needs and offering competitive rates and efficient execution services, using state-of-the-art tools and technology.

OCBC Singapore is among the top players in bancassurance sales, home loans, unit trust distribution, personal credit, small and medium-sized enterprises market and the Singapore dollar capital market.

In 2004, we increased our presence in Indonesia by acquiring a stake in the former Bank NISP. Today we own a 85% stake in the entity which has been renamed OCBC NISP.   

OCBC NISP is among the top 10 private sector banks in Indonesia by assets, with a distribution network of about 400 branches and over 37,000 shared ATMs across Indonesia.

In China, we have maintained a continuous presence since 1925, and established our wholly-owned locally incorporated subsidiary – OCBC China – in 2007.

We offer a comprehensive suite of business banking products and services to foreign companies and local enterprises. These include loans, deposits, syndicated loans, cash management, trade and treasury services.