Investor Presentaiton

Loans | Lower customer activities in WB and BB, offset by consistent growth in RB Gross Loans Movement (RM' bil) Breakdown by rate sensitivity: Fixed rate-21% Variable rate -79% Breakdown by concept: Islamic 35% Breakdown by customers' type: Retail -55% ROA: ROTA: 0.83% 0.83% Conventional - 65% Non-retail 45% YTD Growth (4%) (4%) 1% 4% 2% ≈2 (5%) 1% (1%) Composition 16% 26% 36% 11% 2% 4% 4% 1% 100% 130.2 0.6 0.5 0.1 0.1 0.0 129.0 (0.9) (1.3) (0.3) Gross loans trend (RM'bil) Q1FY24 YoY Growth Industry 129.0 (1%) 1%1 FY23 9% 130.2 5%² FY22 120.0 6% 5%2 FY23 Wholesale Banking Business Banking Mortgage Auto Financing Cards Retail SME Personal Financing Investment Banking Q1FY24 & others & others Retail: 1% Positive growth in Q1FY24 Contraction in Q1FY24 1. Based on BNM data from end Mar'23 to end Jun'23 2. Based on BNM data and in accordance with AMMB's financial period AmBank Group Q1FY24 Results - Investor Presentation 17

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