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Investor Presentaiton

Operating Income (RM 'mil) 2Q23 Q-0-Q 1H23 Y-o-Y Net interest income 3,646 3.5% 7,168 (0.8%) Non interest income 1,688 14.4% 3,163 32.0% Total 5,334 6.7% 10,331 7.4% NII +3.5% QoQ underpinned by loan growth. NII was muted YoY with NIM contraction from elevated cost of deposits and T&M operations ā˜ NIM weakened QoQ and YoY driven by T&M. Loan-related NIM recovered in 2Q23 > Strong NOIl growth QoQ and YoY from T&M and FX income, as well as gains on sale of impaired loans in Indonesia and Thailand Net Interest Margin* NOII Breakdown 1H22 1H23 Fee & others Trading & FX 2.47% 2.25% +14.4% Q-o-Q +32.0% Y-o-Y 2.55% 2.57% 3,163 2.47% 1,688 2,397 1,475 2.26% 2.24% +16.0% +6.0% 1,577 847 730 1,488 745 +12.9% 841 +74.5% 1,586 909 2Q22 3Q22 4Q22 1Q23 2Q23 1Q23 2Q23 1H22 1H23 Notes: * Annualised 7
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