Investor Presentaiton

Business Banking (Reported) | Business Banking Income Statement YoY Growth 22% 23% 22% 43% 15% (56%) 57% 68% 54% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT H1FY23 257 69 326 (99) 227 (33) 194 (46) 148 H1FY22 211 56 267 (70) 198 (74) 123 (27) 96 H1FY23 PAT H1FY22 PAT Positive growth in H1FY23 Contraction in H1FY23 Balance Sheet (RM' mil/%) Key Ratios FY22 H1FY23 YTD Change FY22 H1FY23 YTD Change Gross Loans/Financing 18,736 19,336 3% GIL Ratio 1.42% 1.37% (0.05%) Gross Impaired Loans 266 265 CTI 27.4% 30.4% (3.0%) Customer Deposits 15,231 15,034 (1%) Loan Loss Coverage 89.5% 91.3% 1.8% CASA 8,282 7,731 (7%) ROA¹ 1.59% 1.57% (0.02%) CASA Mix 54.4% 51.4% (3.0%) 1. Annualised AmBank Group H1FY23 Results - Investor Presentation 38

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