9MFY22 Investor Presentation

Financial Snapshot | 9MFY22 Financial snapshot 9MFY22 Financials Change Resumption of growth, in line with economic recovery 3,542 Income 3% Strong growth in Banking revenues, partially offset by Insurance 9MFY21: 3,423 Expenses 1,537 9MFY21: 1,608 (4%) Expenses well-managed 2,005 PBP 10% • Double-digit PBP growth, CTI of 43.4% Profitability (RM' mil) 9MFY21: 1,816 715 Impairment 11% 9MFY21: 645 1,111 PATMI 28% 9MFY21: 866 Higher impairment charges due to specific and overlay provisions for O&G exposures PATMI growth driven by positive operating leverage and tax adjustments² ROE 9.2% 9MFY21: 6.0% 326bps • ROTE: 9.7% Assets & Gross Loans 119.3 FY21: 114.8 4% • Resumption of loans growth Liabilities 124.7 (RM' bil) Customer Deposits 3% • Deposits driven by both Retail and Business Banking FY21: 120.5 FHC CET1 Capital & Liquidity 13.0%¹ FY21: 11.3%¹ 170bps • CET1 without TA: 11.9% (FY21: 10.4%) FHC LCR 164.0% FY21: 157.5% 650bps • High liquidity AmBank Group 1. 2. With TA- Transitional Arrangements Inclusive of tax credit of RM234m and Cukai Makmur (Prosperity Tax) charge of RM74m 9MFY22 Results - Investor Presentation 3

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