9MFY22 Investor Presentation

Wholesale Banking Wholesale Banking Income Statement YoY Growth 1% (39%) (11%) (7%) (12%) >100% (51%) (56%) (49%) RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT 9MFY22 780 203 983 189 794 427 366 74 292 9MFY21 9MFY22 PAT 773 9MFY21 PAT 331 1,104 203 900 160 740 167 573 Positive growth in 9MFY22 Contraction in 9MFY22 Balance Sheet (RM' mil/%) Key Ratios FY21 9MFY22 YTD Change FY21 9MFY22 YTD Change Gross Loans/Financing 30,922 32,011 (4%) GIL Ratio 2.03% 1.85% (18bps) Gross Impaired Loans 628 591 (6%) CTI 19.3% 19.2% (10bps) Customer Deposits 61,203 57,183 (7%) Loan Loss Coverage 83.6% 117.0% >100bps CASA 13,477 13,756 2% ROA¹ 0.86% 0.51% (35bps) AmBank Group 9MFY22 Results - Investor Presentation. 1. Annualised 22 32

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