Q3 2023 Financial Results

9M Q3 9M Q3 (RM'mil) Composition y-o-y Q2 2023 Q3 2023 q-o-q 2022 2023 Personnel costs 72% 2,295.0 2,392.9 4.3% 793.9 811.5 2.2% Other Establishment costs 18% 574.7 614.7 6.9% 204.5 208.6 2.0% Operating Expenses Marketing expenses 3% 88.8 86.4 -2.7% 30.1 28.4 -5.8% Administration and general expenses 7% 236.6 219.2 -7.3% 69.8 72.2 3.5% Total other operating expenses 100% 3,195.1 3,313.2 3.7% 1,098.3 1,120.7 2.0% Efficient CIR through prudent cost management Industry: 48.1% 34.3% 35.2% 31.7% 32.6% 33.7% 2,834 2,918 3,004 3,195 3,313 9M Q3 2022 9M Q3 2023 9M Q3 2019 9M Q3 2020 9M Q3 2021 Total Other Operating Expenses (RM'mil) Cost-to-income ratio 10

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