9M FY2023 Financial Performance

FY2023: Focus on Revenue and AQ Management; Continue with M25+ Momentum and Targeted Investments Income Growth Balance Sheet Management Investment/ Cost Expenditure 12 Asset Quality Management • Focus on growth opportunities across consumer and business segments within ASEAN franchise: 。 Double down on CFS franchise business i.e.: mortgage, RSME and SME+ across universal markets 。 Deepening account planning across segments, products and countries for Global Banking 。 Expand regional wealth management penetration and strengthen Islamic wealth management proposition in home markets 。 Deploy sustainable financing and decarbonisation solutions to customers • Maintain strong liquidity position to support asset growth. Continue RWA optimisation initiatives to maintain robust capital levels . . . • Not engage in deposit price-competition but rather, defend CASA balances tactically amidst deposit competition, especially in Malaysia with emphasis on non-rates proposition • 9M FY2023 annualised NIM compression is inline with full year NIM compression guidance circa 25 bps given funding pressure • On-going strategic investments to enhance IT capabilities, integrate ecosystems within and beyond banking, and drive regional cross-selling synergies aligned to M25+ • 9M FY2023 Group CIR at 47.9%, slightly above full year CIR guidance of 47.5%, which takes into account higher union-related collective agreement expenses • Focus on asset quality recovery efforts and enhanced asset quality management towards achieving a sustained lower net credit charge off (NCC) rate 9M FY2023 annualised NCC rate of 31 bps is within full year NCC rate guidance of between 30 bps and 35 bps • Monitor health of residual loans under repayment assistance programmes across key markets Sustainable Shareholder Returns • ⚫ 9M FY2023 Group ROE of 10.7% is within full year ROE guidance of between 10.5% and 11% • Maintaining our 40%-60% dividend payout policy while prioritising higher cash component to reward shareholders and optimise capital 9

View entire presentation