Q1FY23 Results

Asset Quality | Vigilant monitoring of sector exposure Impaired Loans by Sector Loans by Internal Risk Grade Strong Very Strong Satisfactory Moderate Marginal Substandard Impaired 4% Mar'22 June'22 Sector Composition QoQ Change RM' mil RM' mil Agriculture 9 8 ≈2 (12%) 6% Mining and quarrying 176 84 5% (52%) 23% Manufacturing 227 203 11% (10%) Oil & Gas¹: RM2.0bil Electricity, gas and water 4 5 12% 67% Construction 113 150 8% 33% Wholesale, retail trade, hotels and restaurants 170 198 11% 16% 3% 10% Transport, storage and 19 20 1% 6% communication Finance and insurance 1 1 3% Real estate 188 194 10% 3% Construction: RM4.3bil 53% 34% Business activities 38 48 3% 27% Education and health 6 9 45% Household of which: 725 944 51% 30% 3% 3% - Residential Properties 540 680 37% 26% - Transport Vehicles 80 111 6% 38% - Others 105 153 8% 46% 36% Real Estate: RM6.7bil Total 1,676 1,864 100% 11% 58% AmBank Group Q1FY23 Results - Investor Presentation 1. Categorised under "Mining and quarrying" sector in Financial Statement 21

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