Investor Presentaiton

Business Banking | Business Banking Income Statement YoY Growth 13% 15% 13% 13% 14% >100% (52%) (52%) (52%) 8 24 118 (9) 19 57 (102) RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax Expenses PAT Q1FY24 Q1FY23 (Restated)¹ Q1FY24 PAT Q1FY23 PAT 206 63 269 (81) 188 (114) 75 15 (17) 57 183 55 237 (72) 166 (11) 155 (37) 118 Positive growth in Q1FY24 Contraction in Q1FY24 Balance Sheet (RM' mil/%) FY23 Q1FY24 YTD Change (Restated)¹ Gross Loans/Financing 34,512 33,220 (4%) GIL Ratio Gross Impaired Loans 448 530 18% CTI Key Ratios FY23 Q1FY24 YTD Change (Restated)¹ 1.30% 1.59% 0.30% 30.3% 30.1% (0.2%) Customer Deposits 24,610 22,150 (10%) Loan Loss Coverage 105.1% 110.6% 5.5% CASA 14,358 11,650 (19%) ROA 1.52% 0.67% (0.85%) CASA Mix 58.3% 52.6% (5.7%) 1. FY23 numbers have been restated with current business realignment, mainly between Wholesale Banking (WB) and Business Banking (BB) AmBank Group Q1FY24 Results - Investor Presentation 36

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