H1FY24 Results - Investor Presentation

Group P&L | P&L walk YoY Growth 837 7 844 (5%) 36% 3% ▲ 6% 2% 32% (3%) (3%) (3%) >100% ▲ 1% 165 26 848 7 822 (90) (54) (50) Reported PATMI H1FY23 Discont'd PATMI Cont'd PATMI H1FY23 Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax & Zakat Cont'd PATMI H1FY24 Discont'd PATMI Reported PATMI H1FY24 Positive growth in H1FY24 Contraction in H1FY24 Continuing NII NOII Operations H1FY24 1,654 620 H1FY23 1,744 455 Total Income 2,274 2,200 Tax and Expenses PBP Impairment PBT Zakat Cont'd PATMI Discont'd Reported (1,000) 1,274 (946) 1,253 (204) (154) 1,071 (248) 822 PATMI 26 PATMI 848 1,100 (255) 844 (7) 837 Continuing PATMI by Lines of Business (YoY) Effective Continuing Noll % CTI Tax Rate H1FY24 27.3% 44.0% 23.0% H1FY23 20.7% 43.0% 23.1% 23% (21%) 19% RB 6% IB -5% Others (>100%) 3% Insurance >100% 1 ▼(18%) 25% BB Cont'd PATMI RM822mil (3%) 8 AmBank Group H1FY24 Results - Investor Presentation 52% WB ▲ 18% 1. Insurance comprised Liberty Insurance Berhad (LIB), AmMet Life and AmMet Life Takaful. The results of LIB (associate) has been equity accounted from 1 August 2022 onwards. 11

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