Q3 2023 Financial Results

Retail Operations Profit impacted by margin compression and higher other operating expenses Retail Operations (RM'mil) Net interest income Non-interest income 9M Q3 2022 9M Q3 2023 y-o-y 4,447.2 4,232.3 -4.8% 560.9 578.3 3.1% Net income 5,008.1 4,810.6 -3.9% Other operating expenses (1,709.9) (1,793.2) 4.9% Allowance for impairment on loans and other assets (148.5) (23.6) -84.1% Profit before tax 3,149.7 2,993.8 -4.9% Loans & Deposit-taking (RM'bil) Gross Impaired Loans (RM'mil) 0.32% 0.24% 0.25% 288.2 294.1 308.5 829.0 239.2 251.0 259.3 583.5 623.4 2021 2022 Gross Loan ■Deposit Sep-23 2021 2022 Sep-23 Gross Impaired Loans Gross Impaired Loans Ratio 7

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