9M FY2023 Financial Performance

Robust Capital Positions Capital Ratios Post dividend 18.20% 18.77% Group 15.49% 16.09% • • Key Drivers Capital ratios remain robust with Group CET1 capital ratio at 15.41% and Group total capital ratio at 18.77%, well above regulatory requirements Credit RWA growth of 1.6% YoY remains below Group gross loans growth of 5.1%, as a result of ongoing RWA optimisation initiatives to ensure optimal capital utilisation 14.78% 15.41% Growth (%) YOY YTD Ann. Dec 2022 Sep 2023 ■Total Capital Ratio Tier 1 Capital Ratio CET 1 Capital Ratio Group Gross Loans 5.1% 6.8% Total Group RWA 0.9% 6.5% 17.93% - Group Credit RWA 1.6% 8.3% 17.07% Bank 14.48% 15.31% 13.70% 14.57% Dec 2022 Sep 2023 Regulatory Requirements: Min. CET 1 Capital Ratio + Capital Conservation Buffer (CCB) is 7.0%, min. Tier 1 Capital Ratio + CCB is 8.5% and min. Total Capital Ratio + CCB is 10.5% • 1.0% D-SIB Buffer effective 31 January 2021 . Pending announcement of the countercyclical capital buffer (CCyB) rate by BNM 17

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