Investor Presentaiton

Commercial Banking (RM 'mil) 2Q23 Q-o-Q 1H23 Y-o-Y Others Singapore 4% 7% Net interest income 789 1.9% 1,563 6.8% Thailand Non interest income 179 (14.4%) 388 15.8% 2% Indonesia Operating income 968 (1.5%) 1,951 8.5% 25% Overhead expenses (472) 3.1% (930) 8.3% Gross Loans RM69.2 bil 8.0% Malaysia 62% PPOP 496 (5.5%) 1,021 8.7% (Provisions) / Write back. (70) 900.0% (77) (55.7%) Share of JV / Associates 0 0 PBT 426 (17.8%) 944 23.4% Savings Account 2% Σ Σ 1H23 PBT rose 23.4% on all-round improvement, while 2Q23 PBT weakened QoQ from lower NOll and higher provisions ☑ ☑ >>> ☑ Higher NII QoQ and YoY attributed to loan growth. NOII fell QoQ but strengthened YoY from FX income and gains on sale of impaired loans in Indonesia in 1Q23 Provisions were higher QoQ but lower YoY due to increased overlay writebacks in Malaysia in 1Q23 Commercial loans +8.0% YoY underpinned by growth in all core markets excluding exit of the Thai commercial business. Deposit growth remained strong at 12.9% YoY Current Account 61% Deposits RM88.2 bil 12.9% Fixed and Structured Deposits 37% 15

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