Investor Presentaiton

Loans (Reported) | Loans by stages Loans by ECL Stages (RM' bil) Stage 1 Stage 2 Stage 3 Breakdown by Business Segments¹ (%) Stage 1 130.2 129.0 126.3 124.4 120.1 1.5% 1.7% RB BB 1.5% 1.6% 1.6% 11.9% 9.7% WB 11.0% 10.2% 9.9% 91.6% 91.5% 88.6% 87.2% 88.7% 87.7% Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 88.8% 86.5% 87.5% 88.2% 88.4% Stage 2 WB BB RB 10.8% 10.4% 9.8% 10.0% 7.7% 7.9% Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Gross Loans Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 (RM'bil) Stage 1 103.9 108.9 111.4 115.6 114.1 Stage 3 Stage 2 14.3 13.6 12.9 12.7 12.8 Stage 3 1.9 1.9 2.0 1.9 2.1 WB RB BB Total 120.1 124.4 126.3 130.2 129.0 1. The comparatives have been restated with current business realignment, mainly between Wholesale Banking (WB) and Business Banking (BB) AmBank Group Q1FY24 Results - Investor Presentation 1.9% 2.0% 1.3% 1.6% 0.5% 0.8% Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 5

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