Investor Presentaiton

Retail Banking (Reported) | Retail Banking Wealth Sales (RM' mil) H1FY22: 2,415 1,381 1,192 1,223 QoQ Growth: YoY Growth: 953 928 H1FY23: 2,271 1,343 Merchant Volume 45% (6%) Merchant volume (RM'mil) Merchants in force ('000) QoQ Growth: QoQ Growth: (2%) YoY Growth: (2%) YoY Growth: 75% (1%) 35 35 35 35 35 34 H1FY22: 4,476 2,261 2,215 H1FY23: 7,815 3,945 3,341 3,328 3,870 Q1FY22 Q2FY22 Q1FY22 Q3FY22 Q2FY22 Q4FY22 Q1FY23 Q2FY23 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Credit Cards Cards in circulation 620 600 580 560 540 I Cards in circulation ('000) New cards issued ('000) Mortgage and Auto Finance Quarterly Disbursements Mortgage QoQ Growth: Cards in circulation QoQ Growth: *Cards in circulation YoY Growth: New cards issued QoQ Growth: *New cards issued YoY Growth: 3% 9% 27% 72% ■Mortgage Auto Finance 100 520 500 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 AmBank Group H1FY23 Results - Investor Presentation ឬ ៖ 8 P 8 9 ≡ 8 9 9, New cards issued 8% *Mortgage YoY Growth: 17% Auto Finance QoQ Growth: *Auto Finance YoY Growth: 50% 78% 14111 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 *Note: YoY growth - H1FY23 vs H1FY22 35

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