FY23 Results - Investor Presentation

Business Banking (Reported) | Business Banking Income Statement YoY Growth 21% 27% 22% 37% 16% >100% (3%) ▲ 2% (5%) RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax Expenses PAT FY23 534 147 681 (209) 472 (123) 349 (84) 265 FY22 442 116 558 (153) 405 (44) 361 (83) 278 FY23 PAT FY22 PAT Positive growth in FY23 Contraction in FY23 Balance Sheet (RM' mil/%) Gross Loans/Financing 18,736 21,196 Gross Impaired Loans 266 333 25% CTI Key Ratios FY22 FY23 YTD Change FY22 FY23 YTD Change 13% GIL Ratio 1.42% 1.57% 0.15% 27.4% 30.8% 3.4% Customer Deposits 15,231 16,365 7% Loan Loss Coverage 89.5% 102.9% 13.4% CASA 8,282 9,115 10% ROA 1.59% 1.37% (0.22%) CASA Mix AmBank Group 54.4% 55.7% 1.3% FY23 Results - Investor Presentation 38

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