9MFY22 Investor Presentation

Business Banking | Business Banking Income Statement YoY Growth 18% (3%) 13% (5%) 20% >100% 3% ▲ 2% 4% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT 9MFY22 326 86 412 108 304 73 230 52 52 178 9MFY21 277 9MFY22 PAT 9MFY21 PAT 88 366 Positive growth in 9MFY22 113 253 29 223 51 172 Contraction in 9MFY22 Balance Sheet (RM' mil/%) Key Ratios FY21 9MFY22 YTD Change FY21 9MFY22 YTD Change Gross Loans/Financing 17,278 18,070 5% GIL Ratio 1.51% 1.44% (7bps) Gross Impaired Loans 260 260 ≈ CTI 30.0% 26.2% (>100bps) Customer Deposits 12,309 13,831 12% Loan Loss Coverage 73.5% 101.8% >100bps CASA 6,558 6,398 (2%) ROA¹ 1.42% 1.38% (4bps) AmBank Group 9MFY22 Results - Investor Presentation. 1. Annualised 39

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