9MFY22 Investor Presentation

Financial Overview | 9MFY22 Performance summary - P&L P&L (RM' mil) Q2FY22 Q3FY22 QoQ Change 9MFY21 9MFY22 YoY Change Total Income 1,121 1,183 6% 3,423 3,542 3% Expenses PBP 514 529 3% 1,608 1,537 (4%) 607 654 8% 1,816 2,005 10% Net Impairment 174 337 94% 645 715 11% PATMI 321 403 26% 866 1,111 28% Financial Q2FY22 Q3FY22 QoQ Change 9MFY21 9MFY22 YoY Change Indicators CTI 45.8% 44.7% (110bps) 47.0% 43.4% (360bps) NIM 2.03% 2.09% 6bps 1.85% 2.06% 21bps ROE 7.9% 9.8% 190bps 6.0% 9.2% 320bps Basic EPS (sen)¹ Net Assets per Share (RM) 1. Computed based on weighted average number of shares AmBank Group 9MFY22 Results - Investor Presentation 9.69 12.18 26% 28.79 33.71 17% 4.87 4.97 2% 6.50 4.97 (24%) 10

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