9MFY22 Investor Presentation

9MFY22 Results | Yearly performance (LATMI) / PATMI (RM' mil) & ROE (%) (LATMI) PATMI ROE (%) 8.8% 7.4% 7.0% PATMI: ROE: YoY Growth 28.2% YoY Growth 3.2% 9.2% 6.0% 1,132 1,505 1,341 866 1,111 FY18 FY19 FY20 FY21 9MFY21 9MFY22 (3,826) -20.2% Cost to Income Ratio and Expenses Growth (%) CTI: CTI Expenses Growth CAGR FY18-FY21: YoY Growth Expenses: (4.7%) CAGR FY18-FY21: (3.6%) (4.1%) Total Income (RM' mil) and Non-interest Income (%) Total Income Non-interest Income % Total Income CAGR FY18-FY21: 4.6% YoY Growth 3.5% 38% 34% 34% 36% 38% 30% 4,552 3,979 4,227 3,922 3,423 3,542 FY18 FY19 FY20 FY21 9MFY21 9MFY22 ROA (%) and EPS (Basic) EPS ―ROA¹ 1.08% 0.91% 0.93% ROA: EPS: YoY Growth ▲ 0.2% YoY Growth 17.1% 0.77% 0.93% 60.8% 54.3% 49.9% 46.8% 47.0% 43.4% 37.6 50.0 44.6 28.8 33.7 FY18 FY19 FY20 FY21 9MFY21 9MFY22 12.0% -1.1% 1.1% 0.0% -4.4% -12.0% FY18 FY19 FY20 FY21 9MFY21 9MFY22 AmBank Group 9MFY22 Results - Investor Presentation 1. Annualised (127.2) (2.24%) 26

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