Q1FY23 Results

Retail Banking | Retail Banking Income Statement YoY Growth 7% (3%) 5% 6% 5% (11%) 9% 8% 9% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT 381 65 446 216 230 38 192 46 46 146 Q1FY23 Q1FY22 Q1FY23 PAT 357 Q1FY22 PAT Balance Sheet (RM' mil/%) 67 424 Positive growth in Q1FY23 204 220 42 177 43 33 Contraction in Q1FY23 Key Ratios 135 FY22 Q1FY23 YTD Change FY22 Q1FY23 YTD Change Gross Loans/Financing 68,396 69,024 1% GIL Ratio 1.31% 1.71% 0.40% Gross Impaired Loans 893 1,180 32% CTI 50.2% 48.4% (1.8%) Customer Deposits 53,814 54,753 2% Loan Loss Coverage 126.9% 97.9% (29.0%) CASA 20,076 19,174 (4%) ROA¹ 0.78% 0.85% 0.07% Average AUM 2,775 2,588 (7%) AmBank Group Q1FY23 Results - Investor Presentation 1. Annualised 37

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