Investor Presentaiton

Summary | H1FY23 Summary • STRONG BANKING PERFORMANCE Strong Q2 performance, H1 annualized ROE 10% Expect market volatilities to continue COST EFFICIENCY Target 45% Cost to Income ratio; slight negative jaws Pacing investments in H2FY23 AmBank Group H1FY23 Results - Investor Presentation • CREDIT PROFILE GIL uptick in Retail segment post mora Net credit cost guidance unchanged SOLID FOUNDATION . Capital build on track Resumption of historical dividend payout 24

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