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OCBC H1 2025 EARNINGS SUMMARY (SGD): NET INCOME: $3.70B || NET INTEREST INCOME: $4.63B || TOTAL INCOME: $7.20B || ADJUSTED OPERATING INCOME: $4.40B || OPERATING EXPENSES: $2.80B NET INTEREST MARGIN (NIM): 1.98% || RETURN ON EQUITY (ROE): 12.6% || NON-PERFORMING LOAN (NPL) RATIO: