FY2023 M25+ Progress: Enhancing Digital Banking

Asset Quality Allowances for losses on loans GIL Ratio Composition P&L ECL (RM million) 1Q FY2022 2Q FY2022 3Q FY2022 4Q FY2022 1Q FY2023 Mar Jun Sep Dec Mar 2022 2022 2022 2022 2023 Stage 1, net (166) (52) 329 (205) (87) Non Performing Loans (NPL) 1.59% 1.41% 1.27% 1.22% 1.25% Stage 2, net 27 (57) (274) 129 303 Stage 3, net 647 1,059 655 563 270 Restructured & Rescheduled (R&R) 0.04% 0.04% 0.07% 0.07% 0.04% Write-offs 22 22 17 21 27 9 Performing Loans Recoveries (87) (130) (139) (207) (136) Impaired Due to 0.32% 0.36% 0.36% 0.28% 0.21% Other debts 0 1 8 2 1 Judgmental/ Obligatory Triggers (IPL) Total 443 838 600 309 360 Total GIL Ratio 1.95% 1.81% 1.70% 1.57% 1.50% Of which: Group Community Financial Services (GCFS) 314 Malaysia Group Global Banking (GGB) 49 Singapore 0.67% 0.64% Group Insurance & Takaful (Etiqa) (3) Indonesia 1.22% 1.28% 1.45% 1.38% 1.37% 1.38% 0.57% 0.60% 5.38% 4.99% 4.10% 4.19% 4.14% Net Charge Off Rate (bps) (25) 1Q FY2022 2Q FY2022 3Q FY2022 4Q FY2022 1Q FY2023 Loan loss coverage 106.4% 122.3% 122.3% 131.2% 133.5% Loan loss coverage incl. Regulatory 110.9% 131.5% 133.3% 146.9% 146.7% Reserve Note: Loan loss coverage includes ECL for loans at FVOCI as per Note A11(xii) of the Group's Financial Statements 30 30

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