Investor Presentaiton

Financial Overview (Continuing) | Q2FY23 Financial overview 1 Capital, Liquidity and Funding 2 • Adequate loss absorption capacity • Declared dividends of 6.0 sen per share, dividend payout ratio of 23% • After proposed dividends, CET1 at 12.57%; without Transitional Arrangements, CET1 at 12.17% . Highly liquid (FHC LCR of 142.7%, LDR 102.8%) Q2FY23 Results (QoQ) Income of RM1,175mil NII of RM913mil, up 10%. NIM of 2.12% (Q1FY23: 2.12%) Noll at RM262mil, up 20% mainly driven by higher trading and investment income Expenses up 3% to RM476mil, CTI at 40.6% (Q1FY23: 44.3%) PBP up 20% to RM698mil . Net impairment charge up 33% to RM88mil (Q1FY23: RM66mil) • Total overlay reserves carried forward RM424mil (Retail Banking: RM363mil, Business Banking: RM31mil, Wholesale Banking: RM30mil) PBT up 18% to RM611mil (Q1FY23: RM518mil) Q2FY23 PAT from continuing operations of RM469mil AmBank Group H1FY23 Results - Investor Presentation 2 12

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