9MFY22 Investor Presentation

Investment Banking | Investment Banking Income Statement YoY Growth 27% 11% 13% (3%) 31% >100% 36% 41% 34% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT 9MFY22 43 236 279 129 150 (10) 160 35 125 9MFY21 34 213 247 133 115 (4) 118 25 93 9MFY22 PAT 9MFY21 PAT Balance Sheet (RM' mil/%) Positive growth in 9MFY22 Contraction in 9MFY22 Key Ratios FY21 9MFY22 YTD Change Gross Loans/Financing 1,870 1,799 (4%) GIL Ratio Share Margin Financing 504 594 18% CTI FY21 9MFY22 YTD Change 0.02% 0.01% (1bps) 51.9% 46.2% (>100bps) Gross Impaired Loans 0.4 0.1 (64%) Loan Loss Coverage 100.0% 100.0% Customer Deposits 615 760 24% ROA¹ 5.34% 6.30% 96bps CASA 264 363 38% Average AUM² 55,975 58,134 4% AmBank Group 9MFY22 Results - Investor Presentation. 1. 12 Annualised 2. Inclusive of Private Banking +4 34

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