Investor Presentaiton

Capital | Capital ratios continue to improve RWA/Total Assets RM' bil 1 Total Assets RWA/Total Assets Peers FHC Capital Adequacy Ratios² CET 1/Tier 1 Total CAR 66.7% 67.4% 62.7% 63.2% 16.33% 16.52% 15.80% 15.18% 15.47% 15.32% 15.65% 14.14% 14.48% 58.1% 54.9% 55.1% 55.1% 12.44% 11.65% 12.59% 12.10% 10.42% 12.20% 11.33% 12.51% 12.88% 197.4 194.1 170.2 174.8 FY21 FY22 FY23 1. Based on an average of our seven peer domestic banks as at March 2023 FHC CET1 (QoQ Movement) Positive growth in Q1FY24 Contraction in Q1FY24 12.51% FY20 FY21 FY22 FY23 Q1FY24 FY21 FY22 FY23 Q1FY24 Q1FY24 without TA 2. After deducting proposed dividends with TA 0.29% 12.88% 0.09% 0.11% 12.59% 0.26% 0.03% 12.10% (0.41%) FY23 (with TA TA FY23 (without TA Profit for Q1FY24 Transfer to Reg Reserve RWA³ Others Q1FY24 (without TA) TA after Dividend) 3. Credit RWA: 0.04%; Market RWA: 0.01%; Operational & Other RWA: 0.06% after Dividend) from RE AmBank Group Q1FY24 Results - Investor Presentation Q1FY24 (with TA) 21

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