Investor Presentaiton

Σ Earnings Summary 4Q21 3Q21 FY21 (RM 'mil) Q-0-Q FY20 Y-o-Y BAU^ BAU^ BAU^ Net interest income 3,542 3,457 2.5% 13,958 12,523 11.5% Non interest income 1,062 936 13.5% 4,414 4,464 (1.1%) Operating income 4,604 4,393 4.8% 18,372 16,987 8.2% Overhead expenses (2,375) (2,162) 9.8% (8,938) (8,775) 1.8% PPOP 2,229 2,231 (0.1%) 9,434 8,212 14.9% Loan impairment (717) (529) 35.5% (2,614) (5,342) (51.1%) Other provisions (431) (72) 500.3% (543) (1,456) (62.7%) Share of JV / Associates 1 9 (87.4%) 68 116 (41.6%) PBT 1,083 1,639 (33.9%) 6,345 1,530 314.7% PBT (Reported) 981 333 194.6% 5,789 1,530 278.4% Net profit 811 1,221 (33.6%) 4,648 1,194 289.3% Net profit (Reported) 855 (101) 948.6% 4,295 1,194 259.6% EPS (sen) 8.0 12.2 (34.4%) 46.4 12.0 286.7% ROE (Annualised) 5.5% 8.4% -290bps 8.1% 2.1% 600bps ROE (Annualised) (Reported) 5.6% 6.1% -50bps 7.5% 2.1% 540bps Notes: Excludes (net of tax): 1Q21: Gain on deconsolidation of Touch 'n Go Digital of RM1,156 mil and exceptional items of RM35 mil 2Q21: Exceptional items of RM196 mil 3Q21: Exceptional items of RM1,322 mil 31 4Q21: Exceptional items of RM74 mil and DTA on cukai makmur of RM118 mil

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