Malayan Banking Berhad Financial Analysis

FY2023: Focus on Revenue and AQ Management; Targeted Investments Income Growth Balance Sheet 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 • Defend CASA balances amidst rising rate environment, increased deposit competition and pick-up in asset growth Potential NIM compression of between 5 bps and 8 bps • Investment/ Cost Expenditure Asset Quality Management • Strategic investments to enhance IT capabilities, integrate ecosystems within and beyond banking, and drive regional cross- selling synergies aligned to M25+ • Group CIR to potentially increase up to 47.5% • Monitor health of residual loans under repayment assistance programmes across key markets . • Focus on asset quality recovery efforts and enhanced asset quality management towards achieving a sustained lower net credit charge off rate • Net credit charge off guidance of between 35 bps and 40 bps FY2023 Sustainable Shareholder Returns • Group ROE guidance of between 10.5% and 11% in FY2023 • Maintaining our 40%-60% dividend payout policy while prioritising higher cash component to reward shareholders and optimise capital 13

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