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Investor Presentaiton

Expenses (Continuing) | CTI improved QoQ to 40.6% (Q1FY23: 44.3%) Business Segments Q1FY23 Q2FY23 QoQ Change H1FY22 H1FY23 YoY Change (RM' mil) Wholesale Banking 60 63 5% 125 122 (2%) Investment Banking 44 47 8% 85 91 7% Retail Banking 216 229 6% 411 445 8% Business Banking 46 53 15% 70 99 43% Group Funding & Others 99 84 (15%) 164 184 12% Expenses 465 476 3% 854 941 10% Expense Growth Driver (YoY) Positive P&L impact in H1FY23 RM' mil 854 41 H1FY22 Bonus Accrual Reversal in H1FY22 AmBank Group Expense and CTI Trend RM' mil Negative P&L impact in H1FY23 6 7 41 Other Staff Admin & Sales & Cost General Marketing H1FY23 Results - Investor Presentation 8 941 43.7% 44.3% 39.3% 40.6% 41.4% 941 42.3% السا Others H1FY23 Q1FY22 Q2FY22 Q1FY23 Q2FY23 H1FY22 H1FY23 18

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