Investor Presentaiton

Financial Overview | Q1FY24 Financial overview 1 Capital, Liquidity and Funding • CET1 at 12.88%, TCR at 16.52%. Without TA, CET1 at 12.59%, TCR at 16.33% 2 • Highly liquid (FHC LCR of 170.0%, LDR 99.0%) Q1FY24 Reported Results (QoQ) • Income of RM1,202mil, up 4% QoQ NII of RM809mil, down 2%. Reported NIM of 1.76% (Q4FY23: 1.84%). Noll at RM393mil, up 20% mainly driven by higher trading and investment income from securities portfolio. RM51mil gain from AmGen divestment completion Expenses fell 9% to RM508mil, CTI at 42.2% (Q4FY23: 48.2%) PBP up 16% to RM694mil Net impairment charge is higher at RM190mil (Q4FY23: RM51mil): Charge/(writeback) Q4FY23 Q1FY24 QoQ Change Impairment (excl. overlays and 66 188 122 forward looking provisions) Forward looking provisions (56) 102 158 Impairment (excl. overlays) 10 290 280 Overlays 41 (100) (141) Net Impairment 51 190 139 Total overlay reserves carried forward RM362mil (FY23: RM461mil) Q1FY24 reported PATMI at RM378mil (Q4FY23: RM410mil); Continuing PATMI stood at RM352mil (Q4FY23: RM387mil) AmBank Group Q1FY24 Results - Investor Presentation 8

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