Q1FY23 Results

Islamic Banking | Islamic Banking Income Statement YoY Growth ▲ 3% 6% ▲ 2% (34%) ▲ 38% 40% 37% RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PATZ Q1FY23 268 77 191 62 129 29 100 Q1FY22 260 73 187 93 94 21 73 Q1FY23 PAT Q1FY22 PAT Positive growth in Q1FY23 Contraction in Q1FY23 Key Ratios Balance Sheet (RM' mil/%) FY22 FY22 Q1FY23 YTD Change Q1FY23 YTD Change Gross Financing 39,347 39,967 2% GIF Ratio 1.60% 1.61% 0.01% CTI 27.6% 28.8% 1.2% Gross Impaired Financing 629 644 2% Customer Deposits 37,590 40,480 8% Financing Loss Coverage¹ 114.3% 103.6% (10.7%) ROA² 0.36% 0.78% 0.42% CASA 14,446 13,158 (9%) 1. 2. Includes Regulatory Reserve Annualised AmBank Group Q1FY23 Results - Investor Presentation 40 40

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