Investor Presentaiton

Consumer Banking FY21 (RM 'mil) 4Q21 Q-o-Q Y-o-Y BAU* Personal Financing 3% Credit Cards Others 3% Net interest income 1,536 5.6% 6,072 7.5% 4% Non interest income 500 17.1% 1,944 13.8% Auto 12% Operating income 2,036 8.2% 8,016 8.9% Overhead expenses (1,163) 9.0% (4,432) 3.2% Gross Loans RM199.5 bil 5.1% Term Mortgages 60% Loans PPOP 873 7.2% 3,584 17.0% 18% (Provisions) / Writeback (614) 94.9% (1,666) (33.1%) Share of JV / Associates 1 11 (210.0%) PBT 260 (47.8%) 1,929 243.9% Current Account 12% > Strong PPOP growth of 17.0% YoY on improved NIM and loan growth, as well as robust fee income growth Savings ☑ >>> Provisions were also lower YoY in line with lower overlays driving 2021 PBT growth of 243.9% YoY >>> Fixed and Structured Deposits RM175.5bil 70.7% Account 36% Deposits Σ >>> QoQ PBT weaker from increased provisions, despite robust revenue from improved NIM and banca income Consumer loans grew healthily at +5.1% YoY mainly driven by Malaysia +4.4%, Indonesia +9.2% and Singapore +31.5%. Deposits fell 0.7% YoY while CASA grew +4.5% YoY Note: * Excludes 3Q21 exceptional items of RM397 mil 52% 16

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