Investor Presentaiton

Asset Quality | Vigilant monitoring of sector exposures Impaired Loans by Sector Loans by Internal Risk Grade Strong Very Strong Sector June'22 RM' mil Mar'23 June'23 Composition RM' mil RM' mil YTD Movement YOY Movement Loans outstanding Satisfactory Moderate Marginal Substandard Impaired Bonds & Loans outstanding 2%- Agriculture 8 7 7 0% 3% (5%) Mining and 6% 13% 84 43 58 3% 35% (31%) quarrying 18% Manufacturing 203 215 271 13% 26% 33% Oil & Gas¹: RM3.9bil 11% Electricity, gas and Oil & Gas: RM5.4bil 5 47 48 48 ~ 3% of total 2% 1% >100% water gross loans 13% 63% Construction 150 172 178 8% 3% 19% 74% Wholesale, retail trade, hotels and 198 213 239 11% 12% 21% restaurants 3% 10% Transport, storage 20 and communication 24 1. Categorised under "Mining and quarrying" sector in Financial Statement 24 25 1% 5% 27% Finance and 2 11 9 0% insurance 90 (23%) >100% Construction: RM4.5bil ~ 4% of total 52% Real estate 194 11 34 2% >100% (82%) 35% gross loans Business activities 48 44 50 2% 14% 5% Education and 9 112 12 23 1% health 10 98% >100% Household of which: 944 1,096 1,197 56% 9% 27% 4% - Residential 680 842 916 43% 9% 35% Properties - Transport Vehicles 111 115 118 6% 2% 7% 34% - Others 153 139 163 8% 17% 7% Real Estates: RM7.6bil ~ 6% of total gross loans 62% Total 1,864 1,896 2,139 100% 13% 15% AmBank Group Q1FY24 Results - Investor Presentation 19

View entire presentation