Investor Presentaiton

H1FY23 Results (Reported) | Reported yearly performance (LATMI) / PATMI (RM' mil) & ROE (%) PATMI (LATMI) ROE (%) 8.8% 7.4% PATMI: ROE: YoY Growth ▲ 20.8% YoY Growth 1.0% 9.3% 9.0% 10.0% 1,505 1,341 1,503 708 855 FY19 FY20 FY21 FY22 H1FY22 H1FY23 (3,826) -20.2% Cost to Income Ratio and Expenses Growth (%) Expenses Growth CTI Avg improvement (FY19-FY22) (3.1%) 54.3% Total Income (RM' mil) and Non-interest Income (%) Total Income Non-interest Income % Total Income: CAGR FY19-FY22: YoY Growth 5.9% (0.5%) 34% 34% 36% 30% 31% 24% 4,552 4,665 4,227 3,922 2,359 2,346 FY19 FY20 FY21 FY22 H1FY22 H1FY23 ROA (%) and EPS (Basic) EPS ROA ROA: YoY Growth EPS: YoY Growth 19.9% Expenses: CAGR FY19-FY22 ▼ (0.6%) CTI YOY variance 1.9% 1.08% 0.93% 49.9% 46.8% 44.9% 42.7% 44.6% 50.0 44.6 0.94% 0.91% 0.90% 45.5 21.5 25.8 3.9% 1.1% -1.1% -1.8% -5.1% -12.0% FY19 FY20 FY21 FY22 H1FY22 H1FY23 FY19 FY20 FY21 FY22 H1FY22 H1FY23 AmBank Group H1FY23 Results - Investor Presentation (127.2) (2.24%) 26

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