Investor Presentaiton

Wholesale Banking (Reported) | Wholesale Banking Income Statement YoY Growth 13% 10% 13% (2%) 16% (>100%) 94% >100% 90% Net Interest RM' mil Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT H1FY23 575 144 719 (122) 597 68 665 (150) 514 H1FY22 507 131 638 (125) 513 (169) 343 (73) 270 H1FY23 PAT H1FY22 PAT Positive growth in H1FY23 Contraction in H1FY23 Balance Sheet (RM' mil/%) Key Ratios FY22 H1FY23 YTD Change FY22 H1FY23 YTD Change Gross Loans/Financing 31,063 32,806 6% GIL Ratio 1.66% 1.07% (0.59%) Gross Impaired Loans 517 350 (32%) CTI 19.8% 17.0% (2.8%) Customer Deposits 53,561 48,982 (9%) Loan Loss Coverage 160.9% 182.7% 21.8% CASA 15,296 13,833 (10%) ROA¹ 0.05% 1.25% 1.20% CASA Mix 28.6% 28.2% (0.4%) 1. Annualised AmBank Group H1FY23 Results - Investor Presentation 31

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