Investor Presentaiton

Σ Asset Quality: Oil & Gas Loan Exposure: 2.3% of total Group gross loans Singapore 18% Indonesia 2% Thailand 6% 0 Malaysia 74% Borrowers Status: Impaired 46% Watch List (M & H) 2% >> >>> As at Dec-21, the O&G impairment ratio stood at 46.0% (Sep-21: 32.6%) The impairment coverage ratio was 84.0% as at Dec-21 (106.4% in Sep-21) Normal 52% Segmental Exposure: Oil Traders 11% Downstream 37% Upstream 8% O Midstream 44% Oil traders represent 11% of the Group's total O&G loan book (cf. 10% as at Sep-21). >>> > Σ O&G bonds comprised 1.8% (RM2.30 bil) of total Group. bonds holdings as at Dec-21 (Sep-21: 1.9%; RM2.53 bil). 34

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