Investor Presentaiton

Deposits (Reported) | Consistent deposits growth in Retail Deposits (RM' bil) CASA (RM' bil) and CASA Composition (%) Customer Deposits Trend H1FY23 FY22 FY21 CASA Trend YTD Growth Industry (1%) 3%1 H1FY23 121.0 2% 5%² FY22 122.6 120.5 7% 6%2 FY21 YTD Growth Industry 39.8 (8%) 1 43.1 21% 6%2 35.8 24% 21%2 Retail FD I Non-Retail FD AmBank Group Deposits Market Share (%) Retail CASA I Non-Retail CASA Retail CASA I Non-Retail CASA 35.2% CASA Composition (%) 32.6% 32.9% 30.7% 5.8% 5.6% 29.9% 30.0% 43.1 5.5% 5.4% 5.5% 1 5.4% 39.6 39.8 124.7 37.4 122.6 121.4 121.0 35.6 114.1 115.9 34.1 19.7 23.0 20.4 21.3 17.6 18.2 23.0 20.4 21.3 19.7 18.2 17.6 51.2 45.7 46.3 43.1 46.6 45.6 18.6 17.7 20.1 19.2 16.5 17.4 20.1 19.2 16.5 17.4 17.7 18.6 33.4 34.7 36.1 33.7 35.6 38.1 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Retail Deposit Mix 43.8% 44.9% 43.1% 43.9% 45.1% 46.8% Retail CASA 48.5% Mix 48.8% 47.4% 46.6% 48.5% 46.6% Based on BNM data from end Mar'22 to end Sep'22 Based on BNM data and in accordance with AMMB's financial period H1FY23 Results - Investor Presentation 1. 2. AmBank Group 222 22

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