Q3 2023 Financial Results

Asset Quality Sound asset quality with prudent loan loss coverage Group gross impaired loans Residential properties Domestic Operations Commercial properties Transport vehicles 0.58% 0.42% 0.31% Industry: 1.72% 0.30% 0.56% 0.62% 0.22% 0.25% 0.25% 0.25% 0.21% 0.39% 0.35% 0.20% 0.26% 2,282 1,584 1,102 2021 2022 Sep-23 Of which: 2021 2022 Sep-23 484 455 502 281 323 132 145 160 177 2021 2022 Sep-23 2021 2022 Sep-23 | Gross Impaired Loans (RM'mil) -Group Gross Impaired Loans Ratio (%) -Domestic Impaired Loans Ratio (%) Loan loss coverage (include regulatory reserve) 383.2% Industry: 91.2% 291.8% 360.7% Ageing analysis of total domestic loans % Ageing Profile of Past Due Loan / Financing Loan loss coverage 215.4% 272.0% Pre-pandemic At present 186.9% Credit cost ratio 0.34% 2018 2019 2022 Sep-23 0.10% 0.02% 1 mth to 2.6% 2.2% 1.2% 1.2% <2 mths Loan impairment 396.0 allowances 324.4 2 mths to (RM'mil) 282.3 1.0% 1.0% 0.6% 0.3% <3 mths 198.5 99.7 79.9 95.9 90.0 Impaired 0.4% 0.4% 0.3% 0.4% 1.5 24.2 34.0 Loans 2021 2022 IQ1 Q2 Q3 Q4 2023 Total >1 mth 4.0% 3.6% 2.1% 1.9% 12

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