9MFY22 Investor Presentation

Expenses | Cost well-managed Business Segments Q2FY22 Q3FY22 QoQ Change 9MFY21 9MFY22 YoY Change (RM' mil) Wholesale Banking 62 64 4% 203 189 (7%) Investment Banking 45 44 (2%) 133 129 (3%) Retail Banking 207 217 5% 639 628 (2%) Business Banking 35 38 8% 113 108 (5%) Group Funding & Others 85 82 (4%) 230 246 7% Expenses - Banking 434 446 3% 1,318 1,300 (1%) General Insurance 80 83 4% 289 237 (18%) Expenses 514 529 3% 1,608 1,537 (4%) Expense Growth Driver (YoY) RM' mil 1,608 40 40 15 25 25 221 41 1,537 9MFY21 Staff Cost Admin & General Sales & Marketing Others 9MFY22 Positive P&L impact in 9MFY22 Negative P&L impact in 9MFY22 a AmBank Group 9MFY22 Results - Investor Presentation Expense and CTI Trend RM' mil 49.7% 49.2% 50.0% 50.7% 49.3% 45.4% 46.4% 46.5% 45.8% 44.7% 40.0% 552 529 526 539 545 524 529 501 525 514 495 Q1FY20 Q2FY20 Q3 FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 18

View entire presentation