Investor Presentaiton

Loan Provisions/ECL +35.5% Q-o-Q -51.1% Y-o-Y RM 'mil 5,342 MEF & Overlay 717 1,529 Covid-19 related 529 191 Underlying 829 2,614 Credit related/ 406 295 1,366 696 Significant IA 634 One-off non 47 122 1,682 recurring write 1,201 161 109 back -83 (85) (64) 3Q21 4Q21 FY20 FY21 -51.1% YoY mainly from lower overlays and absence of large Singapore provisions > Higher QoQ due to top up of Corporate provisions in Malaysia and Indonesia Σ Allowance coverage stood at 100.2% with GIL of 3.5% FY21 Loan Loss Charge of 0.73% with 4Q21 coming in at 0.84% Allowance Coverage 101.9 102.2 105.1 100.2 Loan Loss Charge (bps) 91.6 FY17 69 Gross Impaired Loans Ratio 3.6 3.4 3.4 3.4 3.5 FY18 43 FY19 45* 1.51 Loan Loss Charge ~ 0.78 0.68 0.62 0.84 FY20 151 FY21 73 4Q20 1Q21 2Q21 3Q21 4Q21 Σ ~ Notes: Annualised * Notes: lower due to MFRS 9 11

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