Investor Presentaiton

Deposits | Stable deposit level, FD surge amid high interest rate environment Deposits (RM' bil) CASA (RM' bil) and CASA Composition (%) CASA Trend Customer Deposits Trend YTD Growth Industry Q1FY24 130.3 ≈2 1. Q1FY24 FY23 130.3 6% 5%² FY23 FY22 122.6 2% 5%² FY22 Non-Retail CASA Non-Retail FD Retail CASA Retail FD AmBank Group Deposits Market Share (%) 5.5% 5.4% 5.5% YTD Growth Industry 39.6 (19%) 1 48.8 13% (2%)2 43.1 21% 6%2 Retail CASA Non-Retail CASA CASA mix (%) 5.7% 5.7% 32.6% 32.9% 32.2% 37.4% 30.4% 48.8 130.3 130.3 124.3 121.4 121.0 24.9 20.8 39.6 39.8 40.0 39.6 21.4 20.4 21.3 24.9 43.5 49.8 20.4 21.3 21.4 20.8 46.3 43.1 45.0 19.2 18.6 18.6 23.9 18.8 23.9 19.2 18.6 18.6 18.8 35.6 38.1 39.4 38.0 40.9 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 FD (RM'bil) 81.8 81.2 84.4 81.5 90.7 Retail Retail CASA Mix 48.5% 46.6% 46.6% 49.0% 47.4% Deposits 45.1% 46.8% 46.7% 47.5% 45.8% Mix a 22 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 20 20

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