9MFY22 Investor Presentation

Asset Quality | Impairments Net Impairment / (Writebacks) and GIL Ratio Total impairments by category (RM' mil) Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 QoQ Change 9MFY21 9MFY22 YoY Change ECL Stage 1 & 2 / CP - Non defaulted 31 121 454 310 122 124 (56) (>100%) 606 190 (69%) ECL Stage 3/CP - Defaulted Individual Provisions Recoveries Other Provisions¹ 89 265 (98) 131 118 85 98 15% 257 301 17% 2 78 (3) 81 12 21 303 >100% 77 336 >100% (79) (114) (93) (65) (57) (61) (48) (21%) (286) (166) (42%) 7 (17) 2 36 9 5 40 >100% (8) 54 >100% Total net impairments 50 333 262 492 204 174 337 94% 645 715 Of Which Overlay 10 205 60 304 87 68 45 (34%) 275 200 11% (27%) Total impairments by divisions (RM' mil) Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Wholesale Banking (4) 143 21 98 68 101 258 Q3FY22 QoQ Change 9MFY21 >100% 9MFY22 YoY Change 160 427 >100% Investment Banking (2) (1) (1) (0) (2) (8) (0) (94%) (4) (10) (>100%) Retail Banking 36 (8) 160 345 43 (5) 43 >100% 188 81 (57%) Business Banking 5 (0) 24 32 22 52 (1) (>100%) 29 73 >100% Group Funding & Others 12 201 58 19 72 32 39 22% 271 143 (47%) General Insurance 2 (3) 0 (2) (0) 1 (1) (>100%) (1) 0 >100% Total net impairment 50 333 262 492 204 174 337 94% 645 715 11% GIL Ratio (%) Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 QoQ Change YoY Change Wholesale Banking Investment Banking 1.44% Retail Banking 1.29% 1.11% 1.71% 2.21% 2.45% 1.94% 2.03% 1.94% 0.02% 1.34% 1.71% 1.85% 14bps (9bps) 0.45% 0.03% 0.02% 0.01% 0.01% ≈2 (2bps) Business Banking Group Industry 1.97% 1.82% 1.58% 1.66% 1.57% 1.73% 1.54% 1.44% 1.37% 1.57% 1.58% 1.36% 1.51% 1.30% 1.12% (18bps) (59bps) 1.90% 1.66% 1.44% (22bps) (14bps) 1.56% 1.44% 1.35% (9bps) (38bps) 1.62% 1.57% 1.44% (13bps) (13bps) 1. Includes trade & sundry debtors and provision for contingencies AmBank Group 9MFY22 Results - Investor Presentation 28

View entire presentation