Investor Presentaiton

Asset Quality | Higher impairment charges in BB and RB Net Impairment (YoY Movement) (RM'mil) 63.9 2.0 65.9 39.7 2.8 290.0 49.4 (3.8) (0.1) 166.1 190.4 (99.6) 35.9 (30.0) Reported Q1FY23 Discont'd write-back Q1FY23 Cont'd Q1FY23 Overlay charge Q1FY23 Before Overlay Q1FY23 ECL Stage 1 & 2 ECL stage 3 Individual Allowances Recoveries Commitment & Contingencies Others Before Overlay Q1FY24 Overlay write-back Q1FY24 Reported Q1FY24 Positive P&L impact in Q1FY24 Negative P&L impact in Q1FY24 Gross Impaired Loans (RM'mil) and Loan Loss Coverage (LLC) Ratios Credit Cost and New Impaired Loans Formation AmBank Group FY21 FY22 FY23 Q1FY234 Q1FY244 Retail Business LLC (incl RR)¹ Gross Credit cost² Wholesale GIL Ratio LLC (excl RR) 1.12% 0.46% I 0.56% 0.44% 0.73% (excl. recoveries) (%) 139.2% 127.7% 124.1% 123.3% Net credit cost² (%) 0.81% 0.26% 0.32% 0.20% 0.52% 115.6% 133.1% 124.1% 116.5% 116.3% 107.5% Net credit cost (%) (excl. overlay³) 0.44% 0.39% 0.27% 0.10% 0.82% 1.66% 1.57% 1.55% 1.40% 1.46% 2,139 New Impaired Loans (RM'mil) 990 1,357 1,961 703 817 1,896 1,864 1,770 170 1,676 107 306 530 1. 448 628 517 Includes regulatory reserve of NIL (FY21), RM103m (FY22), RM212m (FY23), RM130m (Q1FY23) and RM173m (Q1FY24) 378 2. Computed based on gross and net loan loss allowances (FS Note A25) 260 266 3. 1,342 1,440 Overlay charges/(write-backs) of RM412m (FY21), -RM160m (FY22), RM68m (FY23), RM30m (Q1FY23) and -RM100m (Q1FY24) 1,180 4. Annualised credit costs 882 893 FY21 FY22 FY23 Q1FY23 Q1FY24 AmBank Group Q1FY24 Results - Investor Presentation 18

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