FY23 Results - Investor Presentation

Expenses (Continuing) | Neutral JAWS, CTI 43.4% Business Segments Q3FY23 Q4FY23 QoQ Change FY22 FY23 YoY Change (RM' mil) Wholesale Banking 67 80 18% 254 269 6% Investment Banking 50 52 4% 176 194 10% Retail Banking 224 246 10% 840 914 9% Business Banking 51 59 16% 153 209 37% Group Funding & Others 105 119 14% 352 407 16% Expenses Banking 497 556 12% 1,775 1,994 12% Insurance N/A 14 5 (64%) Expenses 497 556 12% 1,789 1,999 12% Expense Growth Driver (YoY) Positive P&L impact in FY23 RM' mil 1,789 Negative P&L impact in FY23 Staff cost related - RM162 mil 36 4 8 30 12 33 46 41 Expense and CTI Trend RM' mil 48.5%1 47.9% 1 44.9% 44.2% 42.5% 40.7% 40.4% 1 43.6% 43.4% I 39.7% 1,999 556 424 437 450 469 478 497 478 I 1,999 1,789 FY22 Bonus Salaries & Bonus Accrual other Recruit- ment cost Reversal statutory Other staff cost Admin & Sales & Others General Marketing FY23 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 FY22 FY23 in FY22 payments AmBank Group FY23 Results - Investor Presentation 18

View entire presentation