FY23 Results - Investor Presentation

AmBank (M) entity level | AmBank (M) Income Statement YoY Growth 9% 21% 11% 10% 13% (37%) 25% >100% 7% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT FY23 2,341 677 3,019 (1,428) 1,590 (173) 1,417 (326) 1,091 FY22 2,151 560 2,711 (1,300) 1,411 (275) 1,136 (118) 1,018 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 Loans 80,016 83,739 5% GIL Ratio 1.31% 1.64% 0.33% Gross Impaired Loans 1,046 1,374 31% CTI 48.0% 47.3% (0.7%) Loan Loss Coverage Customer Deposits 85,871 85,391 (1%) 153.4% 123.6% (29.8%) (incl Regulatory Reserve) CASA 29,527 31,342 6% ROA 0.90% 0.86% (0.04%) CASA Mix 34.4% 36.7% 2.3% AmBank Group FY23 Results - Investor Presentation 40 40

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