Q3 2023 Financial Results

Strategic Direction Driving responsible growth for a sustainable future Delivering sustainable returns to shareholders Increase profitability by focusing on areas of strength Focus on synergistic growth Preserve asset quality Maintain cost discipline Uphold strong corporate governance ✰ Enhance management Maintain an appropriate balance between optimising returns to shareholders and upholding prudent capital management capital strength and risk ■ Compliance with regulatory requirements Maintenance of strong external credit ratings by domestic and international rating agencies STRATEGIC PRIORITIES Enhancing customer experience ❖ Solidify customer loyalty and trust ■ Uphold service quality ■ Ethical banking Enhance data security Digital transformation Embrace digital transformation to meet customers' evolving needs Developing employees ✰ Build capabilities for the future Nurture talents Employee health and safety, and well-being ■ Diversity and inclusion Increased focus on sustainability Financial inclusion and accessibility Expand financial inclusion and support the community's financial needs ✰ Community contribution Contribute to nation building and nurture future generations ■ Strengthen communities through volunteerism and charitable donations ✰ Transition to a sustainable future ■ Support the transition to a climate resilient future Key Value Drivers Key innovative initiatives are benchmarked not only on creating value and growth opportunities but also in line with ESG, focusing on the Bank's areas of strength while leveraging on the latest technology to gain long term competitive advantages. Lending Business Deposit-Taking Business Business Pillars Non-interest Income Corporate Banking Treasury Operations Islamic Banking Business Investment Banking Overseas Operations Sustainability Strategies The Bank is committed to deliver sustainable growth through responsible ESG practices to maximise stakeholders' value. Protecting the Environment ESG Focus Areas Proficient Employees Prosperous Customers and Communities Principled Conduct 16

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