Q1FY23 Results

Asset Quality | Lower net impairment charges YoY Net Impairment (YoY Movement) Loan Loss Coverage¹ RM' mil 114.0% 93.4% 139.2% 124.1% 123.3% 203.2 87.2 30.0 6.6 63.9 116.0 33.9 0.2 70.1 14.0 4.5 Q1FY22 Overlay Q1FY22 before overlay ECL Stage 1 & ECL Stage 3 Individual Allowance Recoveries Others Q1FY23 before Overlay Q1FY23 FY19 FY20 FY21 FY22 Q1FY23 2 overlay Positive P&L impact in FY22 Negative P&L impact in FY22 Gross Impaired Loans and GIL Ratios 1. Includes regulatory reserve of RM450m (FY19), RM388m (FY20), NIL (FY21), RM103m (FY22) and RM130m (Q1FY23) Credit Cost and New Impaired Loans Formation Retail Business RM' mil 1.73% 1.59% Wholesale ■GIL Ratio AmBank Group FY20 FY21 FY22 Q1FY22 Q1FY23 1.57% Net credit cost² (%) 0.30% 0.81% 0.26% 0.67% 3,4 0.20%4 1.40% 1.55% Credit cost² 1,853 1,864 0.62% 1.12% 0.46% 0.87% 3,4 0.44%4 1,770 1,676 (excl. recoveries) (%) 1,621 283 279 260 217 266 405 646 New Impaired Loans (RM'mil) 1,491 990 1,357 415 703 628 517 676 1,180 2. Includes loan loss allowances only 924 882 893 728 3. Restatement of Q1FY22 numbers due to reclassified unrated bonds/sukuk from loans to financial investments in Q4FY22 4. Annualised FY19 FY20 FY21 FY22 Q1FY23 AmBank Group Q1FY23 Results - Investor Presentation 20 20

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