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Fixed Income

Credit Rating

Standard & Poor's

Date	Rating Classification	Ratings
10 May 2023	Issuer Credit Rating	A- / Stable / A-2
	Junior Subordinated	BB+
	Senior Unsecured	A-
	Senior Unsecured	A-2
	Subordinated	BBB

Moody’s Investors Service

Date	Rating Classification	Ratings
01 February 2023	Outlook	Stable
	Bank Deposits	A3 / P-2
	Baseline Credit Assessment	a3
	Adjusted Baseline Credit Assessment	a3
	Counterparty Risk Assessment	A2(cr) / P-1(cr)
	Senior Unsecured	A3
	Subordinate	(P)Baa2
	Preference Stock Non-Cumulative MTN	(P)Baa3
	Commercial Paper	P-2
	Counterparty Risk Ratings	A2/P-1

RAM Ratings

Date	Rating Classification	Ratings
09 December 2022	Financial Institution Ratings - National Scale	AAA / Stable / P1
	Financial Institution Ratings - ASEAN Scale	seaAAA / Stable / seaP1
	RM20 billion Subordinated Note Programme (2012/-)	AA1 / Stable
	RM10 billion Additional Tier-1 Capital Securities Programme (2014/-)	AA3 / Stable
	RM30 billion Sukuk Programme (2017/-)
	-Senior Sukuk Murabahah	AAA / Stable
	-Subordinated Sukuk Murabahah	AA1 / Stable
	-Additional Tier 1 Mudharabah	AA3 / Stable
	RM10 billion Commercial Paper/Medium Term Note Programme (2016/2023)	AAA / Stable / P1
	RM10 billion Senior Medium Term Note Programme (2015/-)	AAA / Stable

Japan Credit Rating Agency

Date	Rating Classification	Ratings
22 December 2022	Foreign Currency Long-term Issuer Rating	A+
	Outlook	Stable
	Bond	A+