Investor Presentaiton

Operating Income 4Q21 FY21 (RM 'mil) Q-o-Q Y-o-Y BAU^ BAU^ Net interest income 3,542 2.5% 13,958 11.5% Non interest income 1,062 13.5% 4.414 (1.1%) Total 4,604 4.8% 18,372 8.2% NII improved YoY on NIM expansion and loan growth FY21 NIM expanded strongly mainly from Malaysia and Singapore, but tapered QoQ across all core markets except Malaysia NOII 13.5% higher QoQ on improved. fee income in 4Q21; Marginally lower YoY on lower trading and FX gains. Net Interest Margin* NOII Breakdown +1bp Q-o-Q +18bps Y-o-Y Fee & others Trading & FX 2.46% 1,062 4,464 4,414 936 2.41% 2.45% 2.40% 2.45% 572 2.40% +27.4% +10.7% 729 2,377 2,631 2.29% 2.27% 3Q21 Notes: * Annualised 4Q21 FY20 FY21 -14.6% 364 -8.5% 333 2,087 1,783 3Q21 4Q21 FY20 FY21 BAU BAU BAU Excludes net modification gain/loss ^ Excludes 1Q21 gain on deconsolidation of Touch 'n Go Digital of RM1,156m il; 3Q21: exceptional items gain of RM2 mil; 4Q21: exceptional item loss of RM17 mil: 8

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