9MFY22 Investor Presentation

Financial Overview | Q3FY22 Financial overview 1 2 Capital, Liquidity and Funding • • CET1 at 13.0%, adequate loss absorption capacity. CET1 at 11.9% (without Transitional Arrangements) Highly liquid (FHC LCR of 164.0%, LDR 95.7%) Q3FY22 Results (QoQ) • • • • Income up 6% to RM1,183mil Reported NII of RM845mil, up by 6%. NIM of 2.09% (Q2FY22: 2.03%) Noll at RM338mil, up 5% due to higher fee income in Retail and Corporate Banking as well as higher Markets trading income Expenses up 3% to RM529mil, CTI at 44.7% (Q2FY22: 45.8%) PBP up 8% to RM654mil Higher net impairment charge of RM337mil (Q2FY22: RM174mil) mainly due to higher overlay provisions for oil and gas exposures Total overlay reserves carried forward of RM945mil • RM'mil Overlay FY20 FY21 Q1FY22 Q2FY22 Q3FY22 167.3 578.2 87.2 67.6 44.9 Total carried forward 945.2 Q3FY22 PATMI of RM403mil (tax credit of RM234mil, partially offset by RM74mil Prosperity Tax expenses), with annualised ROE of 9.8% AmBank Group 9MFY22 Results - Investor Presentation 9

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