9MFY22 Investor Presentation

Deposits | Highly liquid Deposits (RM' bil) Customer Deposits Trend 9MFY22 FY21 FY20 YTD Growth Industry 124.7 3% 4%1 120.5 7% 6%2 113.0 6% 2%2 CASA (RM' bil) and CASA Composition (%) CASA Trend YTD Growth Industry 9MFY22 37.4 5% 5%¹ FY21 35.8 24% 21%2 FY20 28.8 16% 10%2 Retail CASA Non-Retail CASA CASA Composition (%) Retail FD Non-Retail FD AmBank Group Deposits Market Share (%) Retail CASA Non-Retail CASA 30.7% 29.7% 29.7% 29.9% 30.0% 5.7% 5.6% 5.8% 5.8% 5.8% 28.1% 26.8% 5.5% 5.4% 124.7 119.0 120.5 37.4 114.3 114.8 114.1 115.9 35.8 35.6 34.1 33.5 34.1 19.7 17.8 19.5 16.8 19.0 17.6 18.2 30.6 19.7 19.5 18.2 17.6 51.2 19.0 17.8 53.8 53.8 50.3 47.8 46.6 45.6 16.8 17.4 17.7 16.5 13.8 15.1 15.6 16.3 13.8 15.1 15.6 16.3 16.5 17.4 17.7 33.4 32.9 31.8 31.0 33.4 34.7 36.1 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Retail Deposit 41.3% 41.8% Mix Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 39.8% 39.2% 43.8% 44.9% 43.1% Retail CASA Mix 45.2% 44.2% 46.7% 45.5% 48.5% 48.8% 47.4% 1. Based on BNM data from end Mar'21 to end Dec'21 2. AmBank Group Based on BNM data and in accordance with AMMB's financial period 9MFY22 Results - Investor Presentation 22 22

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