FY22 Results - Investor Presentation

Business Banking | Business Banking Income Statement YoY Growth 15% (4%) 10% ▲ 1% 14% (27%) 23% 22% 23% RM' mil Net Interest Income FY22 443 Non-Interest Income 116 Total Income Expenses PBP Impairment PBT Tax PAT 558 153 405 44 361 83 278 FY21 386 FY22 PAT 120 507 152 355 61 293 68 225 FY21 PAT Positive movement in FY22 Negative movement in FY22 Balance Sheet (RM' mil/%) Key Ratios 12,309 6,558 FY21 FY22 YTD Change Gross Loans/Financing 17,278 18,736 8% GIL Ratio Gross Impaired Loans 260 266 2% CTI Customer Deposits CASA FY21 FY22 YTD Change 1.51% 1.42% (9bps) 30.0% 27.4% (260bps) 15,231 24% Loan Loss Coverage 73.5% 89.5% >1,000bps 8,282 26% ROA 1.42% 1.59% 17bps AmBank Group FY22 Results - Investor Presentation 41

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