9MFY22 Investor Presentation

Group P&L | P&L walk NIM Noll % CTI Effective Tax Rate 9MFY22 2.06% 30.5% 43.4% 8.6% 9MFY21 1.85% 37.7% 47.0% 18.1% YoY Growth 9% ▼(16%) >100% 3% (4%) 10% 11% ▲ 10% (47%) ▲ 23% (28%) ▲ 28% 866 201 212 71 130 70 70 100 25 1,111 RM' mil Net Interest Non-Interest Income Income Net mod impact Total Income Tax & Expenses PBP Impairment PBT PAT MI PATMI Zakat 9MFY22 2,348 1,079 115 3,542 1,537 2,005 715 1,290 1131 1,177 66 1,111 9MFY21 2,147 1,291 (15) 3,423 1,608 1,816 645 1,171 214 957 91 866 1. Positive growth in 9MFY22 Contraction in 9MFY22 Inclusive of tax credit of RM234m and Cukai Makmur (Prosperity Tax) charge of RM74m AmBank Group 9MFY22 Results - Investor Presentation 15

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