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Asset Quality & Moratorium Gross Loans Bonds Covid-19 Impacted Sectors >> 31 Dec-21 31 Dec-21 Hospitality 1.2% 0.0% Retail 2.1% 0.1% Aviation 0.3% 0.4% ☑ Leisure 0.7% 1.2% Total: Directly impacted sectors 4.3% 1.8% vs 30 Sep-21 4.5% 1.8% > Σ Others: Indirectly impacted sectors 21.1% 5.6% Continuation of Group-wide R&R approach across all segments and countries > Malaysia Consumer Moratorium and R&R stable at 30% >> Indonesia declined to 7% with improvement in all segments, while Thailand stood at 10% from gradual Consumer recovery Total Group bond holdings stood at RM131 bil as at Dec-21 (Sep-21: RM 132 bil; Dec-20: RM121 bil) vs 30 Sep-21 21.8% 5.6% Moratorium and R&R Malaysia Indonesia Thailand Singapore Group Λ Consumer 30% 3% 9% 1% 24%' * Commercial 22% 13% 21% 3% 18% Corporate# 11% 6% 12% 3% 8% Total (as at 31 Jan-21) 24% 7% 10% 2% 18% vs 31 Dec-21 26% 8% 10% 2% 20% vs 30 Sep-21 28% 11% 11% 2% 22% Σ 12 Notes: Includes Cambodia, Vietnam and Philippines * Includes Cambodia #Corporate loans only

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