9M FY2023 Financial Performance

Higher NOII from Rise in Treasury and Markets Income on Forex Gains and Investment and Trading Income Non-Interest Income (21.9)% 3Q'23 vs 2Q'23 6.1% 37.8% YoY 3Q'23 vs 3Q'22* 5.95 2.48 1.83 1.94 4.32 0.16 0.06 0.17 0.06 0.05 3.27 • 2.11 1.53 1.12 1.07 RM billion 0.95 0.94 1.07 2.86 2.93 (0.30) (0.04) (0.25) (0.81) (0.41) 3Q FY2022* 2Q FY2023 3Q FY2023 9M FY2022* 9M FY2023 • Key Drivers Treasury & markets income growth of 55.3% YoY mainly driven by: 。 foreign exchange profit: Up >100% YoY to RM1.86 billion 。 Gains in investment and trading income of RM0.75 billion versus RM0.04 billion last year Core fees rose by 2.8% YoY on higher service charges and fees, commission and underwriting fees Insurance losses moderated to RM0.41 billion versus RM0.81 billion a year ago as unrealised gains from fixed income investments offset the increase in actuarial liabilities arising from a drop in bond yields QoQ, NOII declined by 21.9% as treasury & markets income reduced 29.6% on higher net unrealised derivatives losses, offsetting the 13.7% improvement seen in core fees arising from better service charges and fees, commission, brokerage income, underwriting and loan related fees in 3Q FY2023 Core Fees Treasury & Markets ■ Others Insurance 3Q FY2023 3Q FY2023 % change (QoQ) (YoY) Core fees 13.7% 12.5% 9M FY2023 (YoY) 2.8% Core fees Commission Service charges Underwriting and fees fees Brokerage income Fees on loans, advances and financing Treasury & (29.6)% (3.9)% 55.3% Markets 9M FY2023 (YoY) 1.6% 13.0% 81.3% (18.0)% (41.7)% Insurance > 100% (17.3)% Others (18.7)% (24.3)% (49.6)% 7(7.3)% 3Q FY2023 (QoQ) 2.6% 21.6% 20.3% 13.7% 13.8% Note: Non-interest income was previously referred to as net fee based income *Restated 3Q FY2022 and 9M FY2022 comparative information as MFRS 17 has replaced MFRS 4 Insurance Contracts for annual periods on or after 1 January 2023 12

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