9MFY22 Investor Presentation

Islamic Banking | Islamic Banking Income Statement YoY Growth 15% ▼(4%) 24% 51% (17%) >100% (31%) RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PATZ 9MFY22 778 213 565 419 146 33 112 9MFY21 676 222 454 278 176 13 163 9MFY22 PATZ 9MFY21 PATZ Positive growth in 9MFY22 Contraction in 9MFY22 Balance Sheet (RM' mil/%) Key Ratios FY21 9MFY22 YTD Change FY21 9MFY22 YTD Change Gross Financing 36,225 39,225 8% GIF Ratio 1.69% 1.70% 1bps Gross Impaired Financing 613 668 9% CTI 32.0% 27.4% (>100bps) Customer Deposits 41,733 43,103 3% Financing Loss Coverage 138.9% 158.9% >100bps CASA 12,709 13,028 3% ROA¹ 0.26% 0.28% 3bps AmBank Group 9MFY22 Results - Investor Presentation. 1. Annualised 40 40

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