Investor Presentaiton

>>> > Σ FY21 Year In Review Met and exceeded all targets except for Gross Loan growth target Loan growth was slightly below target as we grew loans judiciously and reshaped our portfolio especially in Indonesia and Thailand FY21 FY21 FY21 BAU Target Guidance O ROTCE 9.6% 8-9% 9-10% >>> Improved FY21 financials driven by operating income from stronger NIM, while keeping cost under control, as well as lower provisions. M ROE 8.1% 6-7% 7.5-8.5% Dividend >>> Multiple relief assistance programs throughout the year. However, sufficient overlays have been provided in 2020 with top ups in 2021 50%* 40-60% 40-60% Payout Ratio {$} Total Loan 3.3% 4-5% 2-3% Growth >>> Commendable net profit growth of 289.3% YoY to hit RM4.65 bil, translating to an ROE of 8.1% Cost to >>> Forward 23+ progressing well. However, more work needed to focus and improve on technology and operational resiliency $ SA 48.6% <52% <50% income % Loan Loss 73bps 80-90bps 75-85bps Charge >>> Ended the year with record high CET1 of 14.5%, with proposed dividend payout ratio of 50% CET 1 14.5% >12.5% >12.5% (CIMB Group) Notes: All numbers are on a BAU basis unless stated otherwise *Based on BAU net profit 3

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