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Investor Presentaiton

RM million Net Fee Based Income: FY2021 (YoY) YoY decline on lower investment disposal gains and MTM losses, despite improvement in core fees (21.6)% YoY RM million FY2020 FY2021 YOY Commission, service charges and fees 3,374 3,638 7.8% Investment & trading income 1,990 627 (68.5)% ! Unrealised gain/ (losses) on financial assets and investments 766 (1,000) (>100)% | Derivatives and financial liabilities 394 867 > 100% Foreign exchange profit 455 91 (80.0)% Other income 320 247 (22.7)% | Total Group's Other Operating Income 7,299 4,471 (38.8)% Of which: Other Operating Income from Insurance 821 (562) (>100)% (22.3)% YoY (10.0)% YoY (23.6)% YoY 8,113 6,359 6,479 5,033 Total 1,059 809 575 518 Other Operating Income from Banking Operations¹ Fee Income from Islamic Operations Net Fee Income from Insurance 2 ■FY2020 FY2021 Notes using Maybank's 4Q & Full Year FY2021 Financial Statements: 1 Group's 'Other operating income' [Note A25] less ‘Other operating income' from Insurance [Note A40(a)] 2 Summation of 'Other Operating Income' from Insurance and 'Net earned insurance premiums' under Note A40(a) with 'Net insurance benefits and claims incurred, net fee and commission expenses, change in expense liabilities and taxation of life and takaful fund' under Note A26 13
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