Investor Presentaiton

Q1FY24 Results (Reported) | Reported yearly performance (LATMI) / PATMI (RM' mil) & ROE (%)¹ PATMI: YoY Growth (7.8%) 9.3% 9.8% 9.8% ROE: YoY Growth (1.5%) 8.3% 1,503 1,701 410 378 FY21 FY22 FY23 Q1FY23 Q1FY24 (3,826) -20.2% Cost to Income Ratio and Expenses Growth (%)¹ Expenses YoY Growth CTI Avg improvement (FY21-FY23) CTI (1.1%) 46.8% Total Income (RM' mil) and Non-interest Income (%)¹ Total Income: CAGR FY21-FY23: YoY Growth 1.7% 4.3% Total Income Non-Interest Income % 36% 33% 30% 25% 25% 4,552 4,665 4,704 1,202 1,153 FY21 FY22 FY23 Q1FY23 Q1FY24 ROA (%) and EPS (Basic)¹ Expenses: CAGR FY21-FY23 (0.8%) ROA: YoY Growth EPS: (0.15%) YoY Growth (7.7%) EPS ROA 47.2% 44.9% 44.7% 42.2% 9.9% 1.1% 0.3% -1.8% FY21 1. AmBank Group FY22 FY23 Q1FY23 0.94% 0.90% 0.98% 0.83% 45.54 52.41 12.40 11.44 FY21 FY22 FY23 Q1FY23 Q1FY24 (127.22) -6.6% Q1FY24 Q1FY23 & FY23 P&L numbers are restated following the adoption of MFRS 17 for Insurance Business Q1FY24 Results - Investor Presentation -2.24% 25

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