Q3 2023 Financial Results

Hire Purchase Corporate Lending 9M Q3 9M Q3 9M Q3 9M Q3 (RM'mil) y-o-y (RM'mil) y-o-y 2022 2023 2022 2023 Net interest income 646.1 692.4 7.2% Net interest income 441.7 449.6 1.8% Hire Non-interest income 1.5 1.6 9.1% Non-interest income 16.1 19.6 21.7% Purchase and Net income 647.6 694.0 7.2% Net income 457.8 469.2 2.5% Corporate Lending Other operating expenses (Allowance)/Writeback of allowance for impairment on loans and other assets Profit before tax (190.7) (206.1) 8.1% Other operating expenses (14.3) (15.8) 10.1% 87.6 105.9 20.9% 544.5 593.8 9.1% (Allowance)/Writeback of allowance for impairment on loans and other assets Profit before tax (153.6) (11.8) -92.3% 289.9 441.6 52.3% Gross Loans (RM'bil) Gross Loans (RM'bil) Hire purchase profit growth continued on upward trajectory; 63.0 58.3 53.4 2021 2022 Sep-23 44.3 41.4 42.2 2021 2022 Sep-23 Higher corporate Gross Impaired Loans (RM'mil) Gross Impaired Loans (RM'mil) lending 0.99% 1.00% GIL ratio profitability 0.26% GIL ratio 0.25% 0.25% 0.25% amidst lower loan 104.8 418.1 444.5 impairment 138.2 143.7 159.8 2021 2022 Sep-23 2021 2022 Sep-23 8

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