Investor Presentaiton

Total Provisions (RM 'mil) 2Q23 1Q23 Q-0-Q 1H23 1H22 Y-o-Y Loan Impairment 558 306 82.4% 864 743 16.3% Commitment & (150) 78 (292.3%) (72) 50 (243.5%) Contingencies Debt instruments / 11 13 (21.1%) 24 (135) 117.7% securities Others 16 48 (66.8%) 64 Total 435 445 (2.2%) 880 248 906 (74.2%) (2.9%) Total Provisions Breakdown (RM 'mil) 906 Retail 445 435 880 Non-Retail Recoveries and 295 331 864 626 write-offs 329 362 701 692 (179) (258) (659) (437) >> 1Q23 2Q23 1H22 1H23 > Total provisions remained contained QoQ and YoY Loan provisions +82.4% QoQ from lower release of overlays; YoY +16.3% from lower recoveries and writebacks > Commitments & contingencies lower QoQ and YoY from the release of overlays > Debt Instruments / securities increased YoY due to absence of writebacks from Malaysia > Others improved YoY due to the absence of double credit-related provisions Marginally lower QoQ from higher recoveries > YoY total provisions fell from lower other provisions offset by decreased recoveries. > Better recoveries QoQ from Singapore and lower bad debt write offs in Malaysia; but lower YoY owing to the larger recoveries in Singapore in 1H22 9

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