9MFY22 Investor Presentation

Asset Quality | Maintaining surveillance on sector exposure Impaired Loans by Sector Loans by Internal Risk Grade ~ Mar'21 Dec'21 Strong Very Strong Satisfactory ~ Moderate ~ Marginal Substandard Impaired Sector Composition YTD Change 8% RM' mil RM' mil 4% RM' bil Agriculture 80 10 1% (88%) 9MFY22 2.5 Mining and quarrying 38 189 12% >100% Manufacturing 194 210 13% 23%¹ 8% Oil & Gas: Approx. 2% of Total Gross Loans 46% FY21 2.7 O&G Bonds/Sukuk: Dec'21: RM0.4 bil Mar 21: RM0.4 bil Mar'20: RM0.7 bil Electricity, gas and water 4 6 73% FY20 1. Belongs to specific 2.3 O&G customer Construction 92 83 5% (10%) 19% Wholesale, retail trade, hotels and restaurants 202 158 10% (22%) 2% 7% Transport, storage and communication 59 18 1% (69%) RM' bil Finance and insurance 1 1 9% 9MFY22 Real estate Business activities 4.2 4.7 FY20 4.9 313 275 17% (12%) Construction: Approx. 4% of Total Gross Loans 50% FY21 41% 42 39 3% (7%) Education and health 7 6 (14%) Household of which: 739 613 38% (17%) 4% - Residential Properties 531 464 29% (13%) 11% - Transport Vehicles 68 50 3% (26%) 9MFY22 - Others 140 99 6% (30%) Total 1,770 1,608 100% (9%) Real Estate: Approx. 6% of Total Gross Loans FY21 52% FY20 33% AmBank Group 9MFY22 Results - Investor Presentation RM' bil 7.1 7.7 8.1 21

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