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Asset Quality (2/2) Group GIL reduced YoY to 1.99% on write-offs, repayments and recovery proceeds received Group Gross Impaired Loans (GIL) Ratio Composition GIL Ratio Components Dec 2021 Sep 2021 Jun 2021 Mar 2021 Dec 2020 Non Performing Loans (NPL) 1.28% 1.63% 1.92% 1.98% 2.02% Restructured & Rescheduled (R&R) 0.05% 0.05% 0.06% 0.07% 0.05% Performing Loans Impaired Due to 0.66% 0.25% 0.20% 0.15% 0.16% Judgmental/ Obligatory Triggers (IPL) GIL Ratio 1.99% 1.93% 2.18% 2.20% 2.23% GIL Ratio by Home Markets 6.18% 6.09% 5.57% 5.10% 5.14% 3.15% 2.98% 2.94% 2.29% 1.68% 1.54% 1.53% 1.49% 1.33% Dec 2020 Mar 2021 Jun 2021 Sep 2021 Malaysia Singapore 1.19% Dec 2021 Indonesia 17

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