Investor Presentaiton

Retail Banking | Retail Banking Income Statement YoY Growth 7% (9%) 4% 12% (5%) >100% ▼(61%) (61%) (61%) 25 125 (6) (30) 24 49 RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP (89) Impairment PBT Tax Expenses PAT Q1FY24 Q1FY23 406 59 465 (274) 191 (127) 64 (15) 49 381 65 446 (244) 202 (38) 164 (39) 125 Q1FY24 PAT Q1FY23 PAT Positive growth in Q1FY24 Contraction in Q1FY24 Balance Sheet (RM' mil/%) Key Ratios FY23 Q1FY24 YTD Change FY23 Q1FY24 YTD Change Gross Loans/Financing 72,351 73,265 1% GIL Ratio 1.85% 1.97% 0.11% Gross Impaired Loans 1,342 1,440 7% CTI 55.3% 59.0% 3.6% Customer Deposits 61,933 59,674 (4%) Loan Loss Coverage 88.7% 84.7% (4.0%) CASA 23,936 18,769 (22%) ROA 0.58% 0.27% (0.31%) CASA mix 38.6% 31.5% (7.2%) Average AUM 2,281 2,090 (8%) (Wealth Management) AmBank Group Q1FY24 Results - Investor Presentation 34

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