9MFY22 Investor Presentation

Loans | Loans by stages Loans by ECL Stages (RM' bil) Stage 1 Stage 2 Stage 3 Breakdown by Business Segments (%) Stage 1 BNM 6-month blanket loan Targeted Repayment Assistance PEMULIH moratorium WB 107.4 110.6 111.9 114.8 115.6 115.6 119.3 RB 2% 2% 2% 2% 2% 1% 1% BB 12% 12% 13% 13% 13% 15% 13% 86% 85% 84% Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Stage 2 86% 87% 85% 85% 85% 84% 86% RB BB WB Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 15% 13% 13% Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Loans Stage 3 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 (RM'bil) BB Stage 1 92.6 95.7 94.9 97.3 98.2 96.6 102.0 WB Stage 2 13.0 13.1 15.0 15.7 15.6 17.3 15.7 RB 2% 1% 1% Stage 3 1.8 1.8 2.0 1.8 1.8 1.7 1.6 Total 107.4 110.6 111.9 114.8 115.6 115.6 119.3 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 AmBank Group 9MFY22 Results - Investor Presentation 6

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