Investor Presentaiton

Loans (Reported) | Loans by stages Loans by ECL Stages (RM' bil)¹ Stage 1 Stage 2 Stage 3 Breakdown by Business Segments (%) Stage 1 113.5 113.4 117.1 120.0 120.1 124.4 BB RB 1.6% 1.5% 1.4% 1.4% 1.6% 1.5% 13.2% 14.7% 12.9% 12.7% 11.9% 11.0% WB PEMULIH 88.1% 87.7% 84.7% Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 85.2% 83.9% 85.7% 85.9% 86.5% 87.5% Stage 2 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 WB RB BB 13.9% 10.8% 10.5% Gross Loans Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 (RM'bil) Stage 3 Stage 1 96.7 95.1 100.3 103.0 103.9 108.9 WB BB Stage 2 15.0 16.6 15.2 15.3 14.3 13.6 RB Stage 3 1.8 1.8% 1.4% 1.1% 1.7 1.6 1.7 1.9 1.9 Total 1. 113.5 113.4 117.1 120.0 120.1 124.4 Restatement of numbers due to reclassified unrated bonds/sukuk from loans to financial investments from Q1FY21 to Q4FY22 (Apr'20 to Mar'22) AmBank Group H1FY23 Results - Investor Presentation Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 5

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