9MFY22 Investor Presentation

Loans | Loans by sector vs industry AmBank Group (RM' bil) Loans Composition YTD Growth Loans Composition YTD Growth 2% 2% 13% 1% 4% 8% 5% 4% 6% 866 1% 54% 100% (3%) (9%) ▲ 3% (3%) ▼(11%) 12% 26% ▲ 13% ▼(8%) 22% ▲ 4% (15%) ▲ 4% ■Dec'21 4.2 10.0 5.4 7.1 2.6 2.7 1.2 5.6 1.2 15.1 64.2 0.0 119.3 Agriculture Mining & Quarrying Manufacturing Electricity, Gas & Water Construction Wholesale, Retail, Hotels & Restaurant Transport, Storage & Com Finance, Insurance, Real Estate Education & Health Household Others Total Loans & Biz Act 33.8 10.4 17.6 55.4 14.1 132.4 89.1 44.4 153.6 121.6 112.9 Dec'21 2% 1,128.5 1,913.7 7% 1% 5% 8% 2% 6% 6% 3% 59% 1% 100% ▼(1%) (4%) 5% 10% (6%) ▲ 8% 10% ▲ 3% ▼(1%) 5% 4% (5%) ▲ 3% Industry (RM' bil) Source: BNM, financial statements AmBank Group 9MFY22 Results - Investor Presentation 29 29

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