H1FY24 Results - Investor Presentation

1. Loans (Reported) | Loans by stages Loans by ECL Stages (RM' bil) Stage 1 Stage 2 Stage 3 Breakdown by Business Segments¹ (%) Stage 1 130.2 129.0 130.8 RB 126.3 124.4 120.1 1.5% 1.7% 1.7% 1.5% 1.6% 1.6% 11.9% 9.7% 9.9% 9.9% BB WB 11.0% 10.2% 91.5% 91.5% 88.9% 88.6% 87.0% 87.2% Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 88.8% 87.5% 88.2% 88.4% 88.4% Stage 2 86.5% WB BB RB 10.8% 11.1% 9.8% 9.4% 7.7% 7.6% Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Gross Loans Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 (RM'bil) Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Stage 1 103.9 108.9 111.4 115.6 114.1 115.6 Stage 3 Stage 2 14.3 13.6 12.9 12.7 12.8 13.0 WB Stage 3 1.9 1.9 2.0 1.9 2.1 2.2 RB BB Total 120.1 124.4 126.3 130.2 129.0 130.8 2.0% 1.9% 1.6% 1.7% 0.8% 0.9% The comparatives have been restated with current business realignment, mainly between Wholesale Banking (WB) and Business Banking (BB) AmBank Group H1FY24 Results - Investor Presentation Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 5

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