H1FY24 Results - Investor Presentation

Retail Banking | Retail Banking Total Income (YoY Movement) and Loans by Line of Business PAT Trend (RM' mil) Total Income 4% RM 960 mil QoQ Growth: YoY Growth: >100% (21%) (9%) 11% Wealth 5% Retail SME 38% 8% >100% (44%) Others 8% Mortgage 11% (18%) Persona Financing Retail SME 7% Auto Financing 10% Cards 7% 4% Auto Financing 19% Total Loans Mortgage RM74.0 bil 63% Cards 13% Deposits 43% AmBank Group H1FY24 Results - Investor Presentation Personal Financing 2% (41%) 125 FY23: 409 H1FY24: 156 71 122 91 49 107 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 22 32

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