OCBC Sustainability Hub Qorus-Infosys Finacle Banking Innovation Awards 2025- Nominated

a. Concept and objectives The industry has traditionally focused on investments’ impact on the planet, neglecting the reverse aspect of the planet’s impact on the companies in which customers invest their money. Recognizing this gap, OCBC launched Sustainability Hub as a responsible fiduciary, ensuring that customers’ needs for risk-adjusted returns and sustainable wealth building are not compromised. We are also the only bank in the region to support Personal ESG Rating for clients that covers all product types going beyond traditional Unit Trusts. The Sustainability Hub is thus uniquely positioned in the region and first in the market balancing the dual needs using technology.

b. Reasons behind the innovation In recent years, sustainability has transitioned from a ‘nice to have’ to ‘mandatory’. With increasing climate and sustainability risks, the companies in which customers invest their money are becoming increasingly vulnerable. To address this pressing issue, we have strategically developed and launched Sustainability Hub on OCBC app. Our aim is to empower investors to build and grow their wealth in a sustainable manner, adapting to the ever-changing world.

c. State of competition First in the region to offer Personal ESG Rating for clients that holistically covers all product types – Unit Trust, RoboInvest, Equities, BlueChip, Bonds, ETFs, Wealth Portfolios.

d. Sources of inspiration Often people live under presumption that ESG means ‘Doing good for the planet’ at the cost of returns. As a result, they do not include ESG as part of their portfolios and hold investments that are of high ESG Risk impacting future portfolio performance in the changing world.

e. Departments involved i. Digital Business ii. Wealth Management iii. Group Operations & Technology iv. Group Customer Experience v. Group Data Office

f. Main results so far For Customers: i. Customers aware of their investment’s preparedness against ESG risks ii. Discover new ESG opportunities aside from traditional investments iii. Understand their Personal Ratings to build resilient portfolios with risk adjusted returns iv. Identify laggard investments that could drag down portfolio performance

For Bank: a) 2.3x growth in purchase of sustainability themed investments b) Over 100k customer viewed their Personal ESG Rating c) ESG Articles are now the most popularly read contents on OCBC App d) 2 industry recognised awards within a year of launch e) Unlock new source of sustainable revenue from personalised nudges f) Enhanced ESG asset quality through aggregated investment exposure insights g) Ability to safeguard overall AuM from climate risk by engaging with focused clients