Investor Presentaiton

Expenses | Disciplined cost management, Reported CTI 42.2% Business Segments (RM' mil) Wholesale Banking Q4FY23 Q1FY24 QoQ Change Q1FY23 Q1FY24 YoY Change 85 75 (11%) 67 75 11% Investment Banking Retail Banking 277 Business Banking 90 Group Funding & Others 48 ཆེ ཤྩ ཚ 56 52 (5%) 47 52 13% 274 (1%) 244 274 12% 81 (10%) 72 81 13% 25 (49%) 35 25 (29%) Banking Expenses 556 508 (9%) 465 508 9% Insurance (0) 0 ≈2 4 0 (100%) Total Expenses - Continuing Total Expenses - Reported Expense Walk (YoY Movement) (RM'mil) Positive P&L impact in Q1FY24 Negative P&L impact in Q1FY24 556 508 (9%) 469 508 8% 556 508 (9%) 544 508 (7%) Expense (RM'mil) and CTI Trend (%) Expenses ⚫CTI 544 48.2% 47.2% 45.3% 44.1% 42.8% 41.0% 556 42.2% 40.7% 544 18 2 508 24 469 (5) (75) Reported Discont'd Cont'd Q1FY23 Expenses Q1FY23 Staff cost Admin & General AmBank Group Q1FY24 Results - Investor Presentation Sales & Marketing 469 504 497 478 508 508 Others Q1FY24 ReportedCont'd Q1FY23Q1FY23 ReportedCont'd Q2FY23 Q2FY23 Q3FY23 Q4FY23 ReportedCont'd Q1FY24 Q1FY24 15

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