Investor Presentaiton

Commercial Banking FY21 (RM 'mil) 4Q21 Q-o-Q Y-o-Y BAU* Others Singapore 4% Net interest income 739 0.8% 2,907 6.3% 6% Non interest income 168 24.4% 595 10.4% Thailand 3% Operating income 907 4.5% 3,502 6.9% Indonesia Overhead expenses (458) 8.8% (1,758) 0.1% Gross Loans RM61.9 bil 1.1% 26% Malaysia 61% PPOP 449 0.4% 1,744 14.8% (Provisions) / Write back (107) (66.1%) (672) (59.2%) Share of JV / Associates 0 0 PBT 342 161.1% 1,072 924.6% Σ NOII +10.4% YoY from higher fees and commissions, offsetting 3Q21 weakness. NII +6.3% YoY mainly driven by stronger traction in the CASA franchise Fixed and Structured Σ Provisions declined YoY from the absence of large Singapore provisions in FY20, while provisions was lower QoQ due to 4Q21 writebacks in Singapore and Indonesia, and SME Malaysia overlays in 3Q21 Σ Σ Σ Overall, good FY21 PBT performance YoY attributed to the strong PPOP and lower ECL. QoQ +161.1% driven by improved NOII and lower provisions Commercial loans +1.1% YoY underpinned by Malaysia +4.3% and Singapore +8.3%. Indonesia remains under recalibration, while Thailand is exiting the segment. Deposit growth of 10.5% underpinned by CASA +14.1% Note: *Excludes 3Q21 exceptional items of RM260 mil Deposits 35% Deposits RM77.6 bil 10.5% Current Account 62% Savings Account 3% 17

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