9M FY2023 Financial Performance

Healthy Liquidity Levels Liquidity Indicators LCR LDR NSFR • 144.2% Liquidity Position 140.7% 137.4% 117.0% 117.6% 116.8% 91.6% 92.3% 93.0% Sep 2022 Jun 2023 Sep 2023 Group Gross Deposits 1.1% 3Q'23 vs 2Q'23 3.5% 3Q'23 vs 3Q'22 639.4 654.8 661.8 QoQ YOY 88.5 80.0 80.8 1.0% RM billion (8.8)% 270.8 328.2 325.8 (0.7)% 20.3% 280.1 246.5 3.5% 255.2 (8.9)% Sep 2022 Jun 2023 Group CASA Ratio 43.8% 37.7% Sep 2023 38.6% CASA ■FD Others Note: 1) BNM's minimum LCR and NSFR requirements are 100% 2) LDR excludes loans to banks and Fls Key Drivers Healthy Group liquidity ratios with NSFR and LCR levels above regulatory requirements Deposits • Group gross deposits grew 4.7% YTD supported by: SG's 13.7% increase as FD grew 29.4% mitigating CASA decline of 19.8% as customers remained price sensitive IDN's 11.4% increase on growth in FD (+18.3%) and CASA (+4.9%) 。 But offset by MY's 1.9% decrease driven by reduction in other deposits (-20.3%) and CASA (-1.4%) although FD increased (+9.4%) QoQ, Group deposits grew 1.1% driven by growth of 3.5% in SG and 3.7% in IDN, while MY remained unchanged o Group CASA grew 3.5% QoQ led by all home markets with MY CASA growing 3.5%, SG at 4.8% and IDN at 4.7% o As such, Group CASA ratio improved to 38.6% from 37.7% QoQ, with all home markets seeing improved CASA ratios: ■ MY CASA ratio 45.4% at Sep'23 (June'23: 43.8%) ■ SG CASA ratio 24.6% at Sep'23 (June'23: 24.3%) ■ IDN CASA ratio 49.0% at Sep'23 (June'23: 48.5%) 15

View entire presentation