Q3 2023 Financial Results

Capital Adequacy Industry Liquidity Risk Indicators Industry Total capital: LCR: 17.7% 17.6% 17.1% 17.4% 18.1% 138.0% 151.5% 16.8% 133.5% 131.4% 127.3% 127.7% Capital & 14.6% 14.6% 14.5% Industry Tier 1: Industry LTF: 14.0% 15.0% 13.5% 88.9% 90.2% 90.1% 91.4% 92.5% 82.5% Liquidity Position 14.5% 14.6% 14.5% 14.0% 13.5% Industry Industry CET I: 79.2% 80.0% 80.0% 81.1% 81.9% LTFE: 14.5% 313.7 326.4 71.9% 292.3 298.9 277.9 Resilient balance sheet underpinned by healthy capital and liquidity position 2019 2020 2021 2022 Risk-weighted Assets (RM'bil) Sep-23 Basel III Requirement* Common Equity Tier I Capital 7.5% Tier I Capital 9.0% Total Capital 11.0% 2019 2020 2021 2022 Sep-23 * Gross Loan to Fund Ratio -Gross Loan to Fund and Equity Ratio -Liquidity Coverage Ratio The Basel III capital ratio requirements are inclusive of: (i) 2.5% capital conservation buffer (ii) Domestic Systemically Important Bank (DSIB) buffer of 0.5% imposed on PBB as announced by BNM, which was effective on 31 Jan 2021 Note: PBB did not opt for the BNM transitional arrangement on capital relief 14

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