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Σ Gross Loans Loans-to-Deposit Ratio (RM 'bil) 31 Dec-21 Q-0-Q Y-o-Y Consumer Banking 199.5 2.8% 5.1% 89.0% 88.9% 87.8% Commercial Banking 61.9 0.9% 1.1% 85.8% 84.5% Wholesale Banking 116.6 (0.3%) 1.6% Total 378.0 1.5% 3.3% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Others 5% Singapore 9% Thailand Loan Growth by Country (Y-o-Y)~ +4.1% 8% 31 Dec-21# RM 378.0 bil Indonesia 15% Λ Malaysia 63% +3.9% Notes: Excluding FX fluctuations ^ In local currency # Based on geographical location of counterparty *Including Cambodia, Vietnam and Philippines Λ * -6.3% Others +3.6% Λ +4.6% +2.9% 13

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