H1FY24 Results - Investor Presentation

Financial Overview | Q2FY24 Financial overview 1 Capital, Liquidity and Funding • Declared interim dividend of 6.0 sen per share, interim dividend payout ratio of 23% 2 • CET1 at 12.91%, TCR at 16.56%. Without TA, CET1 at 12.66%, TCR at 16.38% Highly liquid (FHC LCR of 162.5%, LDR 96.7%) Q2FY24 Reported Results (QoQ) - - Income of RM1,124mil, fell 7% QoQ NII of RM846mil, up 5%. Reported NIM of 1.82% (Q1FY24: 1.76%) Noll at RM278mil, fell 29% mainly due to lower trading and investment income Expenses fell 3% QoQ to RM493mil, CTI at 43.8% (Q1FY24: 42.2%) • PBP fell 9% QoQ to RM631mil • Net impairment charge is lower at RM13mil (Q1FY24: RM190mil). Total overlay reserves carried forward RM314mil (Q1FY24: RM362mil): AmBank Group Q2FY24 QoQ Change 99 (90) 102 (38) (139) 290 61 (229) (100) (48) 52 190 13 (177) Charge/ (writeback) Impairment (excl. overlays and Q1FY24 188 forward looking provisions) Forward looking provisions Impairment (excl. overlays) Overlays Net Impairment Q2FY24 reported PATMI at RM470mil (Q1FY24: RM378mil); Continuing PATMI stood at RM470mil (Q1FY24: RM352mil) H1FY24 Results - Investor Presentation 80

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