FY2023 M25+ Progress: Enhancing Digital Banking

LDR and CASA Ratio Group Malaysia LDR -CASA -CASA (without IA) -NSFR -LCR 143.2% 144.2% 145.4% 145.8% 136.9% 118.5% 120.6% 117.0% 118.1% 118.1% 87.7% 86.6% 86.6% 88.5% 87.6% 88.7% 90.2% 91.6% 91.6% 90.7% 48.3% 50.2% 46.7% 45.1% 46.7% 44.1% 46.2% 43.8% 40.9% 39.1% 42.5% 43.0% 40.5% 37.8% 35.6% Mar 22 Jun 22 Sep 22 Dec 22 Mar 23 Mar 22 Jun 22 Sep 22 Dec 22 Mar 23 Singapore Indonesia 103.9% 95.1% 96.7% 101.3% LDR (Bank Level) 102.5% 94.8% 87.9% 93.4% 90.6% 87.4% 90.2% 49.3% 82.1% 84.0% 86.9% 88.2% 43.7% 38.7% 31.9% 27.8% 46.9% 49.2% 51.6% 51.3% 51.8% Mar 22 Jun 22 Sep 22 Dec 22 Mar 23 Mar 22 Jun 22 Sep 22 Dec 22 Mar 23 Note: • Group and Indonesia LDR excludes loans to banks and Fls • Group and Malaysia LDR include investment accounts totaling RM26.83 billion for 31 Mar 2023, RM24.50 billion for 31 Dec 2022, RM25.75 billion for 30 Sep 2022, RM28.94 billion for 30 Jun 2022 and RM27.97 billion for 31 Mar 2022 • BNM's minimum LCR and NSFR requirements are 100% 28

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