9MFY22 Investor Presentation

NIM | Progressive margin growth QoQ and YoY Net Interest Margin (NIM) Movement (QoQ) bps Divisions 0.0 4.2 0.1 203 9.0 1.8 194 2.4 Q2FY22 Reported Net modification impact 1.9 Funding + Deposits 1.1 3.2 YoY NIM 9MFY22: Reported: 2.06% (▲ 21bps) Underlying: 1.96% ( 10bps) 9MFY21: Reported: 1.85% Underlying: 1.86% Underlying: 2bps 12.1 Reported: ▲ 6bps 196 209 Q2FY22 Underlying Retail Banking Wholesale Banking Investment Banking Business Banking General Insurance Asset mix Interbank / Group Funding Deposits Q3FY22 Underlying Net Q3FY22 modification Reported impact Contraction in 9MFY22 Positive growth in 9MFY22 NIM Trend Gross Yield COF NIM 4.93% 4.83% 4.84% 4.63% 3.95% 3.77% 3.84% 3.75% 3.72% 3.68% 3.73% 3.58% 3.37% 3.22% 3.11% 2.96% 2.62% 1.87% 1.91% 2.02% 2.16% 2.03% 1.95% 2.08% 2.08% 2.03% 2.09% 1.96% 1.59% 1.92% 1.96% 1.87% 1.84% 1.84% 1.82% 1.81% Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 AmBank Group 9MFY22 Results - Investor Presentation. Q3FY22 excluding net mod impact 16

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