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Asset Quality Loan Loss Charge (bps) ~ 70 49 48 37 39 43 45 Gross Impaired Loans Ratio (%) 151 73 51 38 3.6 3.5 3.5 3.5 3.3 3.3 3.3 3.3 3.2 3.1 2.9 Allowance Coverage (%) 99.6 99.9 100.2 93.1 94.2 91.6 91.0 91.6 93.1 91.6 80.7 2Q22 3Q22 4Q22 1Q23 2Q23 FY18 FY19 FY20 FY21 FY22 1H23 ~ Notes: Annualised > LLC was 2bps higher QoQ due to increased loan provisions 1H23 LLC continues to improve and on track to meet FY23 targets GIL rose QoQ driven by Consumer Malaysia Σ YTD improvement largely from Ioan growth > Clear initiatives being put in place to drive this down further Σ Allowance coverage fell QoQ and YTD due to higher impaired loans from Consumer Malaysia 10

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