9M FY2023 Financial Performance

Strong YTD Group Loans Growth of 6.8%; Net Fund Based Income Impacted by NIM Compression on Funding Pressure NIM and Net Fund Based Income NIM (3-mths ann.) 2.42% NIM (YTD 2.39% 2.14% 2.14% 2.09% ann.) RM billion (0.3)% (9.1)% 3Q'23 vs 2Q'23 3Q'23 vs 3Q'22 (6.0)% YoY 15.36 14.43 5.29 4.83 4.81 3Q FY2022 2Q FY2023 3Q FY2023 (Restated) 9M FY2022 9M FY2023 (Restated) Note: NIM was 2.39% as at December 2022 Volume growth Margin trends Key Drivers • Group loans grew 6.8% YTD Ann. led by: 。 7.0% in SG: 6.0% in Auto Loan, 14.9% in Non-Retail and 12.3% in Corporate Banking o 4.2% in IDN: 22.3% in Auto Loan, 20.7% in Credit Cards + Personal Loans, and 3.6% in Non-Retail. QoQ, non-retail grew faster at 3.7% (vs 0.4% QoQ in 2Q'23) led by RSME growth at 5.4% 。 2.8% in MY: 9.1% in Mortgage, 8.7% in Auto, 10.3% in Credit Cards, and 6.8% in SME + Business Banking. Mortgage grew faster at 3.1% QoQ (vs 1.9% QoQ in 2Q'23) while Corporate Banking grew 1.2% QoQ following contractions in the preceding quarters for 2023 。 12.1% in Other Markets: Greater China (including Hong Kong), Cambodia and the Philippines 9M FY2023 annualised NIM compressed 25 bps from a year ago on higher funding cost across home markets. QoQ, NIM compressed 5 bps between 3Q FY2023 vs 2Q FY2023 led by higher funding cost in home markets 11

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