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ALLIANCE BANK MALAYSIA BERHAD6198201008390 (88103-W)PRODUCTS AND SERVICESUnit Trust Balanced Funds Bond Funds Equity Funds Money Market FundsRetail Broking & Investment Lending Alliance One Invest stock trading platform for retailclients (available on web and mobile app) Dedicated Omni-Channels to serve our customers- Call and Trade through Alliance Bank’s ShareTrading Centres (STC), relationship managed andserviced by Equity Specialists- Daily research reports, stock trading ideas & ModelPortfolio from AllianceDBS Research- Online share trading via Internet & Mobile Share Margin Financing- ESOS/IPO/Placement Financing Account- External Margin Account- Foreign Share Margin- Portfolio Financing Account- Share Margin Trading 2-in-1 Account Share Trading Account- Cash Upfront Trading Account- Collateralised Trading Account- Flexi 7 Account (i.e.T 7 Trading Account)- Foreign Share TradingRetail Securities Foreign Currency Retail Securities MYR-denominated Retail SecuritiesStructured Investment Basket Equity-Linked Knock-In Knock-Out StructuredInvestment Bonus Enhanced Equity-Linked Structured Investment CMS Spread Linked Structured Investment Dual Currency Investment Equity Linked Convertible Structured Investment Equity Linked Structured Investment Fund-Linked Structured Investment Interest-rate Linked Structured Investment Power Dual Currency InvestmentConventional Loans Alliance CashFirst Personal LoanAlliance Conventional Commercial Property LoanAlliance Conventional Home LoanAlliance ONE AccountOverdraft against PropertyOverdraft against Fixed DepositCardsCredit Cards Alliance Bank Alliance Bank Alliance Bank Alliance Bank Alliance Bank Alliance Bank Alliance Bank Alliance BankBasic Credit CardGold and Classic Credit CardsVisa Platinum Credit CardMasterCard Platinum Credit CardVisa Infinite Credit CardYou:nique Rates Credit CardYou:nique Rebates Credit CardYou:nique Rewards Credit Card(CONT’D)Debit Cards Alliance EcoWorld Debit Card Alliance Hybrid AP Platinum Debit Card Alliance Hybrid PB Platinum Debit Card Alliance Hybrid Standard Debit Card Alliance My eSaving Debit CardBUSINESS BANKINGSMEBancassurance Business Credit Life Insurance/Refund of Premium (ROP) Business Protect General Insurance ProductsBusiness Credit Card Alliance Business Platinum Credit Card Alliance Visa Infinite Business Credit CardCash Management Account Management (via Alliance BizSmart )- Consolidated Account Overview- e-Statement- Tax Invoice/Merchant Report- Transaction History Download Alliance BizSmart Mobile Application (24x7 serviceavailability) Alliance BizSmart Online Banking (24x7 serviceavailability) Collection Management- Auto Debit Service- Biz-Xpress Card: With functions such as Deposit,Local Cash, Withdrawal, mydebit (local purchases)and overseas cash withdrawal via Cirrus network- JomPAY Collection- Payee Corporation Service (FPX Payment)- Direct Debit Service Deposit Account Offering- Business Current Account- Business eFD (via Alliance BizSmart )- Business Fixed Deposit- Business Foreign Currency Current Account- Business Foreign Currency Fixed Deposit Liquidity Management- Auto Sweeping Service- Business Rewards Services Payment Management (via Alliance BizSmart )- Bill Payment (JomPAY/Direct Bill)- Bulk Payment- Bulk Payment with Payment Advice- Business Current Account- Business Fixed Deposit- DuitNow/Instant Transfer- E-Dividend Payment- Foreign Telegraphic Transfer- Fund Transfer (Pay to Alliance Bank/Interbank GIRO/RENTAS)- MyGST Payment- Payroll B-LHDN Payment)- Prepaid Reload- Zakat Selangor

2021 ANNUAL REPORTCORPORATE7 Trade Finance (via Alliance BizSmart )- Trade Finance Inquiry- Trade Limit Inquiry- Trade Advice Download- Trade Application- e-BA Application- e-TR ApplicationCredit Facilities Business Premises Financing Equipment Financing Foreign Exchange Oil Palm Plantation Financing Schemes promoted by CGC/BNM/Government SME Express Cash Working Capital FinancingEmployee Account Opening Employee Account Opening for Foreign Workers (viaAlliance Cash2Home) Employee Account Opening for Local and ForeignWorkers (via BizSmart ) Employee Account Opening for Local Workers (viaallianceonline Mobile Banking)Trade Facilities Bank Guarantees (BGs) Bankers Acceptances Collection Bills Export Bills Purchased/Discounting Export Credit Refinancing Export LC Advising/Confirmation Export LC Negotiation Foreign Currency Trade Loan Letter of Credits Promissory Notes Shipping Guarantees Trust Receipts Vendor FinancingCorporate & CommercialBusiness Credit Card Alliance Business Platinum Card Alliance Visa Infinite Business Credit CardCash Management Account Management (via Alliance BizSmart )- Consolidated Account Overview- e-Statement- Tax Invoice/Merchant Report- Transaction History Download Alliance BizSmart Online Banking (24x7 serviceavailability) Alliance BizSmart Mobile Application (24x7 serviceavailability) Collection Management- Auto Debit Service- Bank Cheque Collection Service- Biz-Xpress Card: Deposit cum Withdrawal functionvia Self-Service Terminals (ATM/CDM/CES)- Cash Concentration Solution- Cash in Transit- Direct Debit Service- JomPAY Collection- Payee Corporation Service (FPX Payment) Deposit Account Offering- Business Current Account- Business eFD (via Alliance BizSmart )- Business Fixed Deposit- Business Foreign Currency Current Account- Business Foreign Currency Fixed Deposit Liquidity Management- Auto Sweeping Service- Business Rewards Services Payment Management (via Alliance BizSmart )- Bill Payment (JomPAY/Direct Bill)- Bulk Payment- Bulk Payment with Payment Advice- DuitNow/Instant Transfer- E-Dividend Payment- Foreign Telegraphic Transfer- Fund Transfer (Pay to Alliance Bank/Interbank GIRO/RENTAS)- MyGST Payment- Payroll B-LHDN Payment)- Prepaid Reload- Zakat Selangor Trade Finance (via Alliance BizSmart )- Trade Finance Inquiry- Trade Limit Inquiry- Trade Advice Download- Trade Application- e-BA Application- e-TR ApplicationCredit Facilities Bridging Loan Business Premises Financing Foreign Currency Loan Syndicated Loan Term Loan Working Capital FinancingForeign ExchangeInterest Rate SwapTrade Facilities Bank Guarantees (BGs) Bankers Acceptances Collection Bills Export Bills Purchased/Discounting Export Credit Refinancing Export LC Advising/Confirmation Export LC Negotiation Foreign Currency Trade Loan Letter of Credits Promissory Notes Shipping Guarantees Trust Receipts Vendor Financing

ALLIANCE BANK MALAYSIA BERHAD8198201008390 (88103-W)PRODUCTS AND SERVICESFINANCIAL MARKETS Banker AcceptancesEquity Linked InvestmentsForeign Exchange TransactionsHedging Solution- Cross-currency Swap- Currency options- Interest Rate Swap Money Market Deposit Negotiable Instrument of Deposit Structured Investments- FX Privileged Single/Double Par Forward StructuredInvestment- FX Bull/Bear Structured Investment- Bonus Enhanced Equity-Linked StructuredInvestment- CMS Spread Linked Structured Investment- CMS Spread Range Accrual Structured Investment- CMS Linked Inverse Floater Structured Investment- Non-principal Protected Interest Rate StructuredInvestmentALLIANCE ISLAMIC BANK BERHAD(CONT’D)Consumer Financing Alliance ONE Account Cashline Facility-i CashVantage Financing-i i-Wish Home Financing-i Term Financing-iDeposits Alliance Hybrid Account-i Alliance My eSavings Account-i Alliance SavePlus Account-i Alliance Term Deposit-i allianceonline Banking Basic Current Account-i Basic Savings Account-i Current Account-i e-Alliance Term Deposit-i (via allianceonline) Alliance Junior Smart Saver-i Junior Smart Term Deposit-i Savings Account-iFinancial Markets IPRS Murabahah-i Islamic Acceptance of Bills Money Market Deposit-i Negotiable Islamic Deposits CertificateHalal in One ProgrammeAlliance Cash2Home(24x7 service availability) Account Overview Foreign Remittance Prepaid Reload Transaction HistoryBancatakaful Z-Alliance Secure PA Takaful Z-Alliance Travel Takaful Z-Alliance Home Safe Takaful Z-Alliance Home Owner PremierBusiness Financing Business Premise Financing-i Cashline Facility-i Commodity Murabahah Revolving Credit-i Commodity Murabahah Term Financing-i Industrial Hire Purchase-i Revolving Credit Facility-i Schemes promoted by CGC/BNM/SME Corp/GovernmentCards Alliance Alliance Alliance Alliance AllianceHybrid AP Platinum Debit Card-iHybrid PB Platinum Debit Card-iHybrid Standard Debit Card-iJunior Debit Card-iMy eSavings Debit Card-iTrade Financing and Services Accepted Bills-i Bank Guarantee-i Export Bills for Collection-i Export Bills Negotiated-i Export Bills Purchased-i/Discounted-i Export Credit Refinancing-i (Pre-shipment/Post-shipment) Export Letter of Credit-i (Advising/Confirmation/Transferring) Import Bills for Collection-i Letter of Credit-i Murabahah Trust Receipt-i Murabahah Working Capital Financing-i Shipping Guarantee-iUnit Trust ASNB Fixed Price Funds ASNB Variable Price Funds Islamic Balanced Funds Islamic Equity FundsALLIANCE INVESTMENT BANK BERHADCorporate Banking Credit Facilities- Bridging Loan- Foreign Currency Loan- Syndicated Loan- Term Loan- Working Capital Financing

2021 ANNUAL REPORTCORPORATE9 Trade Facilities- Bank Guarantees (BG)- Bankers Acceptances (BA)Corporate Finance Independent Advice to Minority Shareholders forrelated party transactions, General Offers and GeneralOffer Exemption Initial Public Offerings- Involving public issues of new securities and/or offersfor sale of existing securities in companies seekinglisting and quotation on the Main Market, the ACEMarket and the LEAP Market of Bursa MalaysiaSecurities Berhad Merger, Takeover, Acquisition and CorporateRestructuring Advisory Other General Corporate Advisory such as bonusissue, share split and employee share option scheme Secondary Offerings- Involving raising of funds subsequent to the initialpublic offerings through rights issues, restrictedissues, private placements and special issues of bothequity and equity linked instrumentsDebt Capital Markets Advisory and arrangement of Corporate Bonds andSukuk (CBS) involving:- Asset Securitisation- Commercial Papers Programmes- Guaranteed bonds and sukuk- Medium Term Notes Programmes- Project Financing- Structured Financing- Unrated bonds and sukuk Arrangement of Syndicated Corporate Loans andFinancingEquity Syndication Book-Building/Accelerated Book-Building of Equityand Equity-Linked Instruments Primary and Secondary Private Placements of Equityand Equity-Linked Instruments Underwriting and Private Placements of Initial PublicOfferings Underwriting and Private Placements of Real EstateInvestment Trusts (REITs) Underwritings of Rights IssuesFinancial Markets Cross-currency Swap Currency Options Hedging Solution Interest Rate Swap Money Market Deposit Negotiable Instrument of DepositIslamic Banking Islamic Accepted Bills Kafalah Bank Guarantee Murabahah Working Capital FinancingStockbrokingAlliance Retail Broking Alliance One Invest stock trading platform for retailclients (available on web and mobile app) Corporate Action Services Dedicated Omni-Channels to serve our customers- Call and Trade through Alliance Investment Bank’sBranches, relationship managed and servicedby Dealers’ Representatives such as Dealers orRemisiers- Self Directed clients are supported by CentralisedDealing Team- Online share trading via Internet & Mobile- Daily research reports, stock trading ideas & ModelPortfolio from AllianceDBS Research Share Margin Financing Share Trading Account- Cash Upfront Trading Account- Collateralised Trading Account- Flexi 7 Account (i.e. T 7 Trading Account)- Foreign Share Trading e-Services- Direct Credit- e-DividendInstitutional Stockbroking Direct Market Access (DMA) Institutional Share Trading Inter-broke ServicesALLIANCEDBS RESEARCH SDN BHD Corporate ResearchEconomic ResearchEquity ResearchIndustry ResearchInvestment Advisory ServicesALLIANCEGROUP NOMINEES(TEMPATAN) SDN BHDALLIANCEGROUP NOMINEES (ASING)SDN BHD

ALLIANCE BANK MALAYSIA BERHAD10198201008390 (88103-W)FINANCIAL HIGHLIGHTSFINANCIAL YEAR ENDED 31 MARCH20212020201920182017OPERATING RESULTS (RM MILLION)Net incomeProfit before taxationNet profit after 931,469681512KEY BALANCE SHEET DATA (RM MILLION)Total assetsGross loans, advances and financingTotal liabilitiesDeposits from customersPaid-up capitalShareholders' equityCommitments and 2,73050,78845,01 81,5485, 73324, 9,33648,97545,2281,5485, 1 1 426,494SHARE INFORMATION AND VALUATIONSShare InformationEarnings per share (sen)Diluted earnings per share (sen)Dividend per share (sen)Net assets per share (RM)Share price as at 31 March (RM)Market capitalisation (RM 02, 76533.533.516.03.304.086,3 16Share ValuationsDividend yield (%)Dividend payout ratio (%)Price to earnings multiple (times)Price to book multiple (times)2.1 825.01 1 .40.73. 1 62 1.96.90.54.0848. 11 1 .81.13.5048.013.71.23.9248.412.21.2FINANCIAL RATIOS (%)Profitability RatiosNet interest margin on averageinterest-earning assetsNet return on average equityNet return on average assetsNet return on average risk-weighted assetsCost to income ratio2.35.90.61.044. 12.47.30.71.147.82.59.91 .01 .547.82.49.50.91.450.52.210.50.91.547. 11 05.912.31.7101.412.01. 3142.911.10.696.711 .41.0136.711.00.647.09 1 .084. 6.2217. 1 721.5713.8314.5918.9013.3914.0718.5 113.3913.8218.3412.5512.5517. 1 8Asset Quality RatiosLoan loss coverageGross impaired loans ratioNet impaired loans ratioLiquidity RatiosCASA ratioLoan to Deposit ratioLoan to Funds ratioCapital Adequacy RatiosCommon Equity Tier I (CET I) capital ratioTier I capital ratioTotal capital ratio1Including Regulatory Reserves provision.

2021 ANNUAL REPORTCORPORATE11EARNINGSBALANCE SHEETSHAREHOLDERS VALUEProfit After TaxationTotal AssetsDividend Per Share(RM million)(RM 938201815.32017512201754,089201716.0Net Return on Average Equity(%)Gross Loans, Advances andFinancingMarket Capitalisation(RM million)(RM on Operating ProfitDeposits from CustomersNet Assets Per Share(RM million)(RM 0201842,74020183.52017777.5201745,22820173.3

ALLIANCE BANK MALAYSIA BERHAD12198201008390 (88103-W)STATEMENT BY CHAIRMANOF ALLIANCE BANK MALAYSIA BERHADDear Shareholders,It gives me great honour to present to youour Annual Report for the financial yearended 31 March 2021 (“FY2021”).In 2020, Malaysia’s gross domesticproduct contracted by 5.6%. In response,the Malaysian government launched morethan RM300 billion worth of economicstimulus packages. The central bankalso introduced loan modifications andmoratoria to ease the financial burden ofMalaysians and cut overnight policy ratesto stimulate the economy.OUR FY2021 PRIORITIESManaging the Impact of COVID-19By the end of April 2021, the Bank had provided over RM5.5billion in Payment Relief Assistance packages and RM1.4 billionin extended moratoria to our customers. We simplified theapplication process for SMEs, so that they could quickly obtainBank Negara Malaysia’s Special Relief Facility. As a result, wewere able to disburse over RM600 million from this facility.We also undertook several initiatives to provide practical help toSMEs. These included our #SupportLokal Initiative, the BizSmart Solution portal and the SocioBiz crowdfunding platform.AHMAD BINMOHD DONChairman,Alliance BankMalaysia Berhad

2021 ANNUAL REPORTPERSPECTIVES13Accelerating DigitisationWe rolled out several innovative digital applications,for example, the Alliance BizSmart mobile appand Alliance BizSmart eTrade for business owners.In addition, we introduced the digital Know YourCustomer (e-KYC) solution, which enables individualsto open and activate a savings account or obtain acredit card or personal loan conveniently anywhereand anytime via their own via mobile phone, withoutphysically visiting a branch.In December 2020, Alliance Islamic Bank Berhad, awholly-owned subsidiary of the Bank received a capitalinjection of RM200 million in new ordinary shares fromthe Bank. The Bank also successfully reissued RM1.2 billionof new Tier-2 Subordinated Medium Term Notes inOctober 2020. This was utilised to fully redeem ourexisting RM1.2 billion Tier-2 Subordinated Medium TermNotes at their earliest call dates.The Bank will continue to prioritise capital conservationto support business expansion as we navigate theCOVID-19 pandemic.SHAREHOLDER VALUE CREATIONDespite the challenges of an unprecedented operatingenvironment, we recorded improvements across keyperformance metrics. Our pre-provision operatingprofit increased by 15.3% year-on-year (“YOY”) toover RM1 billion for the first time. Our balance sheetremained healthy, and we further strengthened ourcapital levels from the preceding year.Revenue increased by 7.6% YOY to RM1.8 billion.However, the challenges of the external environmenthave compressed our net interest margin.We generated earnings per share of 23.2 sen and returnon equity at 5.9%. Our net asset value per share wasRM4.04. For FY2021, the Bank declared dividend of 5.79sen, representing a dividend payout ratio of 25%.The Bank remained vigilant in managing its creditrisks throughout FY2021. We were more selective inacquiring new clients and focused on helping ourexisting customers weather the economic challenges.OUR GOVERNANCESince the beginning of the COVID-19 pandemic, theBoard held all its meetings via video conferencing.We also increased the frequency of our meetings withSenior Management to manage the uncertainties ofthe situation.In a nod to the health and safety concerns of theshareholders, the Bank held its 38th Annual GeneralMeeting (“AGM”) on 19 August 2020 virtually. Giventhe continued uncertainties surrounding the COVID-19pandemic, we will also hold our 39th AGM scheduledon 25 August 2021 virtually.We welcomed Ms Cheryl Khor to the Board on1 June 2021. She brings with her more than 23 years ofexperience covering financial, operational and internalaudits, as well as governance, controls, sustainabilityand risk assessments across a broad range of industries.Her appointment to the Board brings us closer toachieving our gender diversity target of 30%.CONSERVATIVE CAPITAL MANAGEMENT FOR FUTUREBUSINESS EXPANSIONINTEGRATED REPORTINGThe Bank maintained a strong capital position dueto its conservative capital management. We haveone of the strongest capital levels in the industrywith Common Equity Tier-1 (“CET 1”) ratio at 16.2%,Tier-1 Capital ratio at 17.2% and total capital ratio at21.6%.As part of our commitment to good governancepractices, the Bank is taking its first step in adoptingIntegrated Reporting this year. Integrated Reportingenables us to better communicat

Today, Alliance Bank and its two principal subsidiaries, Alliance Investment Bank Berhad and Alliance Islamic Bank Berhad, is a dynamic, integrated financial services group offering banking and financial solutions through its consumer banking, SME banking, corporate and commercial banking, Islamic banking, investment banking, and