Investor Presentaiton

Islamic Banking (Reported) | Islamic Banking Income Statement YoY Growth 16% ▲ 12% ▲ 18% (60%) 97% ▲ >100% 94% RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PATZ H1FY23 588 (160) 428 (73) 355 (82) 273 H1FY22 506 (142) 364 (184) 180 (39) 141 H1FY23 PAT H1FY22 PAT Positive growth in H1FY23 Contraction in H1FY23 Key Ratios Balance Sheet (RM' mil/%) FY22 H1FY23 YTD Change FY22 H1FY23 YTD Change Gross Financing 39,347 43,614 11% GIF Ratio 1.60% 1.41% (0.19%) Gross Impaired Financing 629 615 (2%) CTI 27.6% 27.2% (0.4%) Customer Deposits 37,590 40,150 7% Financing Loss Coverage¹ 114.3% 103.5% (10.8%) CASA 14,446 12,623 (13%) ROA² 0.36% 1.02% 0.66% CASA Mix 38.4% 31.4% (7%) 1. 2. Includes Regulatory Reserve Annualised AmBank Group H1FY23 Results - Investor Presentation 39

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