Investor Presentaiton

>> PBT By Country Others Singapore 0.3% 9% Thailand 5% 1H23 Group PBT Indonesia 26% RM4,718 mil ▲ 10.8% Malaysia 60% > Malaysia PBT improved marginally QoQ as strong NOII was largely offset by conservative provisioning; +13.7% YoY from robust investment income and lower provisions > Indonesia performance remains strong with PBT +12.6% QoQ underpinned by higher NOII and lower opex; +21.2% YoY from improved operating income and lower provisions. Thailand PBT improved QoQ from lower ECL but YoY PBT declined due to lower NOII and higher Consumer provisions > Singapore topline performance was robust YoY and QoQ. 1H23 PBT was softer due to lower provision writebacks Malaysia Indonesia Thailand Singapore PBT 2,811 1,246 246 402 RM (mil) Y-o-Y 13.7% 21.2% 26.8% 5.6% Q-o-Q 0.5% 12.6% 10.3% 87.1% 6

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