Investor Presentaiton

Glossary & Disclaimer | Glossary & Disclaimer of warranty and limitation of liability Reported Performance Reported performance refers to the financial performance as reported in the audited financial statements and disclosed to the market Growth Definition QoQ growth refers to Q2FY23 vs Q1FY23 YoY growth refers to H1FY23 vs H1FY22 YTD growth refers to H1FY23 vs FY22 Disclaimer on rounding differences Numbers may not add up due to rounding Disclaimer on restatement of comparatives The comparatives for business segments' financials have been restated to reflect current business realignment The information has been prepared by AMMB Holdings Berhad (AmBank Group or the Group) for information purpose and is believed to be correct at the time of presentation. No representation or warranty, express or implied, is given by or on behalf of AMMB Holdings as to the accuracy and completeness of the information or opinion contained in this presentation. This presentation does not purport to contain all information that may be required to evaluate AmBank Group or its financial position and should not be construed as an offer or recommendation to buy or sell securities. Neither does this presentation to form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever. Certain statements in this presentation may contain forward-looking statements. These forward-looking statements are based on current beliefs and expectations of the Group and are subject to significant risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. The term "AMMB Holdings" and "AmBank Group" denotes all Group companies within the AMMB Holdings Group and this Disclaimer of Warranty and Limitation of Liability policy applies to the financial institutions under AMMB Holdings. For further information, visit www.ambankgroup.com; or contact Yeoh Ru Hann Head, Group Finance - Investor Relations Email: [email protected]/ [email protected] Soh Yee Tyng Vice President, Group Finance - Investor Relations Email: [email protected] AmBank Group H1FY23 Results - Investor Presentation 41

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