9MFY22 Investor Presentation

Capital | Strong capital and liquidity position RWA/Total Assets FHC Capital Adequacy Ratios³ RM' bil Total Assets 72.2% 65.0% RWA/Total Assets¹ Peers 2 66.7% 64.4% 63.6% CET 1/Tier 1 Total CAR 16.0% 15.4% 15.8% 15.4% 14.5% 57.2% 13.6% 14.1% 59.3% 58.4% 58.5% 58.1% 11.9% 12.4% 13.0% 11.9% 11.1% 158.8 169.2 170.2 179.6 10.4% 11.3% 137.9 FY18 FY19 FY20 FY21 1. FHC RWA/Total Assets 2. Based on an average of our seven peer domestic banks as at 30 September 2021 FHC CET1 (QoQ Movement) FY18 FY19 FY20 9MFY22 FY21 FY21 (without TA) (without TA) (with TA) 4 4 9MFY22 9MFY22 (with TA) 3. After deducting proposed dividends 4.Transitional Arrangements Liquidity Ratios Ratios FY20 FY21 9MFY22 12.69% 1.12% 13.03% 11.56% 0.34% 0.07% 11.92% FHC LCR 158.2% 157.5% 164.0% 1.13% 0.05% LDR 94.9% 95.2% 95.7% LTAF7 81.5% 81.3% 80.1% Q2FY22 TA Q2FY22 Profit CET (with TA) CET (without TA) for Q3FY22 5 AmBank Group 6 RWA Others Q3FY22 CET1 (without TA Q3FY22 CET1 (with TA) TA) 9MFY22 Results - Investor Presentation 5. Q3FY22 profit has not been audited, therefore was not recognized for regulatory purpose 6. Credit RWA: 0.08%; Market RWA: 0.01%; Operational & Other RWA: -0.02% 7. Loan-to-Available-Funds ratio (LTAF) refers to gross loans (excluding financing funded by Islamic Investment Accounts and loans sold to Cagamas) divided by deposits plus borrowings and sub debt 23

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