Investor Presentaiton

Forward 23+ 2023 Strategic Plan 1 Delivering Sustainable Financial Returns Vision To be the leading focused ASEAN bank a) Reshape portfolio • Accelerate profitable growth • Fix & turnaround underperforming businesses Capital & balance sheet optimisation 2 Disciplined Execution • • Performance culture Regional operating model Strategic Themes b) Drive cost efficiency • Embed cost discipline • Increase productivity c) Digitise for value Address technology resiliency • Digitise & automate front & back office • Focus on data & analytics ③ Customer Centricity CX transformation including transforming customer journeys ⚫ Treat customers Fairly • • FORMARB23* d) Focused investments Deepen CASA & deposit franchise Invest in Wealth & Affluent business, Wholesale, and Transaction Banking Grow Islamic finance Selected digital investments • Finance & compliance resiliency 4 Transform Fundamentals Risk management & asset quality Enhance operational resiliency Σ ⑤ Purpose-driven organisation a) Culture & Values b) Human capital c) Sustainability 20

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