9MFY22 Investor Presentation

Loans | Broad-based loans growth Gross Loans Movement (RM' bil) Breakdown by rate sensitivity: Fixed rate 21% Variable rate -79% Breakdown by concept: Islamic -33% Breakdown by customers type: Retail -55% ROA¹: ROTA¹: 0.93% 0.94% Conventional - 67% Non-retail -45% YTD Growth 1% ▲ 6% (4%) 5% 5% (3%) (0%) 4% 20% 4% Composition 12% 15% 1% 15% 35% 11% 2% 4% 5% 100% 114.8 0.9 2.0 0.2 0.4 0.0 0.8 1.0 0.1 0.1 9MFY22 FY21 FY20 Gross loans trend (RM'bil) YTD Growth Industry 119.3 4% 3%2 114.8 ▲ 7% 4%3 107.2 ▲ 5% 4%3 119.3 FY21 MidCorp Large Corp & Others Investment Banking Business Banking Mortgage Auto Finance Cards Retail SME Others 9MFY22 Wholesale 4% Retail 4% 1. Annualised Positive growth in 9MFY22 Contraction in 9MFY22 2. Based on BNM data from end Mar'21 to end Dec'21 3. Based on BNM data and in accordance with AMMB's financial period AmBank Group 9MFY22 Results - Investor Presentation 19

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