Investor Presentaiton

NSCI & Margin NSCI margin declined by 6bps driven mainly by -7bps impact from International, while the overall domestic NIM was stable YoY Net Special Commission Margin Movement YoY (%)¹ -6bps 0.35% 0.99% 0.28% 3.13% Domestic: +Obps 9M 22 Retail financing Wholesale financing Average Earning Assets (SARbn) 799.6 34 263 226 277 +8% 859.8 30 275 250 305 2023 Guidance 3.0%-3.2% NSCI Margin YTD (%)¹ SNB 3.24% 3.15% 3.11% 3.13% O - 3.07% 3.07% -1.61% -0.07% Investments & placements Cof Int'l 9M 23 9M 22 FY 22 10 23 1H 23 9M 23 Average Bearing Liabilities (SARbn) 718.2 23. 20 31 130 439 Commission Yield & Funding Cost YTD (%) 5.35% 5.44% +7% 5.67% 5.58% 768.1 4.16% 4.16% 4.94% 19 3.92% O 27 167 3.13% 2.38% 2.61% - 2.80% 2.02% 439 1.13% 0.87% 100 115 9M 22 9M 23 9M 22 9M 23 Retail financing ■Investments & Placements Corporate financing ■Int'l ■Time deposits Int'l funding Demand deposits Wholesale funding Other SNB | 3Q 2023 | Investor Presentation 9M 23 --3M SAIBOR² 9M 22 FY 22 --Commission yield 1Q 23 --Cof 1H 23 1 NSCI margin calculation excludes FV unwind | 212-month rolling average of 3M-SAIBOR 31

View entire presentation