Investor Presentaiton

Asset Quality (Reported) Watchful on retail credit exposures Net Impairment (YoY Movement) RM' mil 377.1 0.9 154.9 376.2 221.4 146.0 30.7 76.3 123.0 8.0 0.5 36.2 153.7 Overlay: Q1FY23: 30.0 Q2FY23: 0.6 113.2 266.9 H1FY22 Reported AmGen H1FY22 impairment H1FY22 Continuing Overlay H1FY22 before overlay ECL Stage 1 & 2 ECL Stage 3 Individual Allowance Recoveries Others H1FY23 before overlay Overlay H1FY23 Continuing AmGen H1FY23 impairment H1FY23 Reported Positive P&L impact in H1FY23 Negative P&L impact in H1FY23 Gross Impaired Loans and LLC Ratios Credit Cost and New Impaired Loans Formation Retail Business Wholesale GIL Ratio Loan Loss Coverage¹ AmBank Group FY20 FY21 FY22 H1FY22 H1FY23 2 2 114.0% 124.1%² 139.2% 144.0% 122.6% 93.4% Net credit cost³ (%) (excl. overlay) 0.17% 0.44%² 0.38%2 0.33% 2,4 0.17%4 1.59% 1.73% 1.57%2 2 1.40% 1.47%2 1.52% Net credit cost³ (%) 0.30% 0.81%² 0.26%2 i 0.54% 2,4 0.22%4 RM' mil 1,853 1,770 1,892 1,621 1,676 1,668 283 265 Credit cost³ 260 217 266 288 0.62% 1.12%2 0.46%2 0.75% 2,4 0.46%4 350 (excl. recoveries) (%) 646 628 676 517 522 New Impaired Loans 1,491 990 1,357 518 1,276 (RM'mil) 1,109 924 728 882 893 858 1. FY19 FY20 FY21 FY22 H1FY22 H1FY23 2. Includes regulatory reserve of RM450m (FY19), RM388m (FY20), NIL (FY21), RM103m (FY22), RM8m (H1FY22) and RM159m (H1FY23) Restatement of numbers due to reclassified unrated bonds/sukuk from loans to financial investments from Q1FY21 to Q4FY22 (Apr 20 to Mar'22) AmBank Group H1FY23 Results - Investor Presentation 3. Includes loan loss allowances only 4. Annualised 20 20

View entire presentation