Investor Presentaiton

Financial Snapshot (Reported) | Q1FY24 Financial snapshot Q1FY24 Reported Financials Income Variance 1,202 4% Q1FY23: 1,153 Strong PBP growth offset by higher impairment charges . Higher funding costs; NIM 1.76% (Q1FY23: 2.12%) Partially offset by stronger fee income, trading and investment income as well as finalisation of sales consideration for disposal of AmGen (RM51mil) Disciplined cost management, CTI of 42.2% (508) Expenses (7%) • Q1FY23: (544) 694 Profitability (RM' mil) PBP 14% • Double-digit PBP growth Q1FY23: 609 Impairment (190) Q1FY23: (64) >100% • Higher impairment charges in RB and BB 378 PATMI (8%) • Lower PATMI as a result of higher impairment Q1FY23: 410 ROE (Annualised) 8.3% Q1FY23: 9.8% (1.5%) ROTE: 8.4% Liabilities Gross Loans Assets & (RM' bil) Customer Deposits 129.0 FY23: 130.2 (1%) 130.3 FY23: 130.3 Lower customer activities in WB and BB, offset by consistent growth in RB Time Deposits (TD) grew 11% YTD; CASA switched to TD. CASA ratio 30.4% (FY23: 37.4%) FHC CET1 Capital & Liquidity (with Transitional Arrangements ("TA")) 12.88% FY23: 12.51%² • Capital ratio continue to improve 0.37% FHC CET1 (without TA) = 12.59% (FY23: 12.10%)² FHC LCR 170.0% FY23: 149.2% 20.8% • Highly liquid 1. 2. Q1FY23 P&L numbers are restated following the adoption of MFRS 17 for Insurance Business After deducting proposed dividend AmBank Group Q1FY24 Results - Investor Presentation 3

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