H1FY24 Results - Investor Presentation

Financial Snapshot (Reported) | H1FY24 Financial snapshot H1FY24 Reported Financials Profitability Income Expenses PBP 2,326 H1FY231: 2,329 Variance Stronger Q2 PATMI; Positive operating leverage; Strengthening CET1; Interim dividend of 6.0 sen • Noll grew 24% from higher fees, trading gains and investment income Partially offset by 7% reduction in NII affected by H1FY24 NIM compression at 1.79% (H1FY23: 2.17%) (1,000) H1FY231: (1,047) (4%) Disciplined cost management, CTI of 43.0% (H1FY23: 45.0%) 1,325 3% H1FY231: 1,282 (RM' mil) (204) Impairment (24%) H1FY231: (267) • Positive JAWS 4% Mainly due to higher impairment from BB and RB, partially offset by WB overlay reversals Net impairment of RM267mil in H1FY23 included Amgen net impairment of RM113mil Stronger Q2 PATMI (RM470 mil) PATMI 848 H1FY231: 837 1% ROE (Annualised) 9.3% H1FY231: 9.9% (0.6%) • ROA: 0.89% 130.8 Assets & Gross Loans Liabilities (RM' bil) Customer Deposits Flat loans growth, primarily from RB and BB FY23: 130.2 135.3 4% • Time Deposits up 13% YTD; CASA ratio 32.2% (FY23: 37.4%) FY23: 130.3 FHC CET12 12.91% 0.40% (with Transitional Arrangements ("TA")) FY23: 12.51% Capital & Liquidity FHC LCR Dividend per share Capital ratios continue to strengthen, FHC CET1 (without TA) = 12.66% (FY23: 12.10%) AMMB group rating upgraded to AA2 from AA3 162.5% 13.3% High liquidity maintained FY23: 149.2% 6.0 sen Interim dividend payout ratio of 23% H1FY23: 6.0 sen 1. H1FY23 P&L numbers are restated following the adoption of MFRS 17 for Insurance Business After deducting proposed dividend 2. AmBank Group H1FY24 Results - Investor Presentation 3

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