9M FY2023 Financial Performance

Stable AQ Trends; Management Overlay Maintained Loan ECL, NCC, and LLC Gross Impaired Loans (GIL) P&L ECL (21.6)% (26.6)% Sep 2022 Jun 2023 Sep 2023 (RM billion) 3Q'23 vs 2Q'23 3Q'23 vs 3Q'22 % RM billion % RM billion % RM billion (27.6)% YoY Non Performing Loans (NPL) 1.27% 7.43 1.15% 6.98 1.06% 6.51 0.60 0.56 0.44 1.88 1.36 Restructured & 0.07% 0.43 0.10% 0.61 0.10% 0.59 Rescheduled (R&R) 3Q FY2022 2Q FY2023 3Q FY2023 9M FY2022 9M FY2023 Impaired Due to NCC LLC (43) bps 122.3% (38) bps 130.3% (30) bps 127.1% (45) bps (31) bps Judgmental/ Obligatory 0.36% 2.13 0.22% 1.32 0.28% 1.71 Triggers (IPL) Total GIL Ratio 1.70% 9.99 1.47% 8.91 1.43% 8.81 LLC incl. Regulatory 133.3% Reserve 145.7% 143.8% Of which: Malaysia 1.45% 5.18 1.34% 4.86 1.30% 4.84 Singapore 0.64% 0.92 0.61% 0.94 0.70% 1.11 Key Drivers Indonesia 4.10% 1.43 4.06% 1.42 4.45% 1.54 • • 9M FY2023 loan ECL reduced by 27.6% YoY: o On writebacks for specific corporate borrowers, recoveries and as loans impaired during the period remained low, resulting in lower net credit charge off rate of 31 bps ○ Maintained management overlay (MOA) of RM1.7 billion on balance sheet, with higher allocation (i.e.: 58%) for Retail and RSME portfolio due to potential emerging risk. Repayment assistance programmes continued to trend lower QoQ, loan ECL declined by 21.6% mainly on write-backs for specific corporate borrowers and model changes in 3Q FY2023 • Key Drivers Group GIL reduced to 1.43% due to write-offs and recoveries but was partially offset by some newly impaired loans R&R balances remained relatively stable QoQ Stable trends across most consumer and business lines in home markets; some uptick in GIL ratio for Singapore's business banking and Indonesia's corporate banking portfolios on newly impaired loans 16

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