FY23 Results - Investor Presentation

Islamic Banking (Reported) | Islamic Banking Income Statement YoY Growth 17% ▲ 17% 17% (65%) >100% >100% 100% RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PATZ FY23 1,207 (335) 872 (180) 692 (160) 532 FY22 1,032 (285) 747 (507) 240 (52) 188 FY23 PAT FY22 PAT Positive growth in FY23 Contraction in FY23 Balance Sheet (RM' mil/%) Key Ratios FY22 FY23 YTD Change FY22 FY23 YTD Change Gross Financing 39,347 45,641 16% GIF Ratio 1.60% 1.14% (0.46%) Gross Impaired Financing 629 521 (17%) CTI 27.6% 27.8% 0.2% Customer Deposits 37,590 45,253 20% Financing Loss Coverage 114.3% 136.5% 22.2% CASA 14,446 17,785 23% ROA 0.36% 0.95% 0.59% CASA Mix 38.4% 39.3% 0.9% AmBank Group FY23 Results - Investor Presentation 39

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