Investor Presentaiton

CIMB Islamic 4Q21 FY21 Islamic Financing (RM 'mil) Q-0-Q Y-o-Y BAU* BAU* (RM 'bil) Net financing income 782 12.4% 2,943 27.7% +4.2% Q-o-Q +6.8% Y-o-Y Non financing income 105 (10.3%) 458 4.9% 105.4 Operating income 887 9.1% 3,401 24.1% 101.2 Overhead expenses (241) (26.8%) (1,149) 17.8% 98.7 PPOP 646 33.4% 2,252 27.6% (Provisions) / Writeback 1 (100.7%) (332) (61.3%) Dec-20 Sep-21 Dec-21 Share of JV / Associates 0 (100.0%) 1 (50.0%) PBT 647 89.6% 1,921 110.7% Islamic Deposits (RM 'bil) Σ Net Financing income (NFI) expanded 27.7% YoY on the back of higher NIM driven by lower funding cost, while NOFI rose YoY due to improved fee income +3.2% Q-o-Q +10.6% Y-o-Y > Overall, FY21 PBT remains strong YoY driven by robust topline and lower. provisions. 4Q21 PBT +89.6% QoQ on higher PPOP and write backs > Financing and deposits grew by 6.8% and 10.6% YoY, respectively 123.7 119.9 111.8 Σ CIMB Islamic remains #2 in Malaysia by total Islamic assets, deposits and financing Dec-20 Sep-21 - Note: Including investment accounts * Excludes: 2Q21: RM15 mil 3Q21:RM7mil; and 4Q21:RM7 Dec-21 20

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