Investor Presentaiton

To be the loading focused ASEAN bak Strategic Themes Asset Composition and Growth Increased allocation in Group Funding as we continue to increase bonds and rebuild our loan book Commercial Purp В Наше сери CDA and Group Funding Year Consumer Wholesale Dec-19 33% 11% 43% Dec-21 32% 10% 43% Loan Growth (YoY) Initiatives/Comments Dec-21 Sep-21 Dec-20 Dec-19 12% 15% Invest Consumer +5% +4% +3% +9% Malaysia +4% +3% +3% +7% Malaysia Commercial +4% +2% +7% +12% Indonesia Consumer +9% +6% +2% +10% Consumer loan growth strong across MIS partially offset by Thailand > Malaysia loan growth driven by Consumer > Malaysia Commercial driven by Business Banking whilst SME remains work-in-progress Indonesia SME +6% +4% -5% +2% > Indonesia Consumer loan growth momentum remains strong Indonesia SME loan growth picking up. Fix Indonesia Commercial (ex-SME) Singapore Commercial (ex-SME) -29% -10% -13% -23% -38% +3% -7% -41% > Indonesia Commercial showing improved RAROC and LLC > Exited Singapore commodity financing, management and settlement of wound down accounts and NPL Exit Thailand Commercial -34% -32% -19% -20% Σ > Thailand Commercial - Continued portfolio run down 23 Note: Malaysia includes London, Hong Kong and Shanghai Focused teet

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