H1FY24 Results - Investor Presentation

Expenses | Positive JAWs, Reported CTI 43.0% Business Segments Q1FY24 Q2FY24 QoQ Change H1FY23 H1FY24 YoY Change (RM' mil) Wholesale Banking 75 78 4% 138 154 11% Investment Banking 52 55 5% 98 108 10% Retail Banking 274 272 (1%) 508 546 7% Business Banking 81 90 11% 154 171 11% Group Funding & Others 25 (3) (>100%) 43 22 (49%) Banking Expenses 508 493 (3%) 941 1,000 6% Insurance 0 5 0 (99%) Total Expenses - Continuing 508 493 (3%) 946 1,000 6% Total Expenses - Reported 508 493 (3%) 1,047 1,000 (4%) Expense Walk (YoY Movement) (RM'mil) Expense (RM'mil) and CTI Trend (%) Expenses CTI Positive P&L impact in H1FY24 Negative P&L impact in H1FY24 1,047 10 1 13 1,000 33 (3) 946 (101) I' RPTD H1FY23 47.2% 45.3% 45.0% 44.1% 43.8% 44.0% 42.8% 43.0% 43.0% 42.2% 41.0% I 1,047 1,000 1,000 946 544 504 508 508 469 478 493 I T I Discont'd Expenses Cont'd H1FY23 Staff cost Compu- terisation cost & Amortisation Admin & General Sales & Marketing Others H1FY24 RPTD Cont'd Q1FY23 Q1FY23 RPTD Cont'd Q2FY23 Q2FY23 Q1FY24 Cont'd Q1FY24 RPTD/Cont'd Q2FY24 RPTD Cont'd H1FY23 H1FY23 RPTD Cont'd H1FY24 H1FY24 RPTD Reported AmBank Group H1FY24 Results - Investor Presentation 15

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