Investor Presentaiton

Group P&L (Continuing) | P&L walk YoY Growth 645 15% (6%) (41%) ▲ 8% 10% 6% (59%) 222 ▲ 35% 36% ▲ 35% 217 30 28 87 67 55 873 Net Interest RM' mil Income Non-Interest Income Net Mod Impact Total Income Expenses PBP Impairment PBT Tax & Zakat PAT H1FY23 1,705 479 39 2,223 (941) 1,282 (154) 1,128 (255) 873 H1FY22 1,488 509 67 2,063 (854) 1,209 (376) 833 (188) 645 Positive growth in H1FY23 Contraction in H1FY23 PAT by Lines of Business (YoY) (26%) (40%) Insurance 1 1% Noll % CTI Effective Tax Rate Group Funding & Others (10%) (18%) Retail Banking 28% ▲ 54% H1FY23 21.5% 42.3% 22.6% Business Banking 17% H1FY22 24.6% 41.4% 22.6% ▼(46%) Investment Banking 5% PAT RM873 mil ▲ 35% AmBank Group H1FY23 Results - Investor Presentation Wholesale Banking 59% 90% 1. Insurance comprised of AmGen, AmMet Life and AmMet Life Takaful. The results of AmGen (associate) has been equity accounted for H1FY23 and restated for H1FY22 accordingly 15

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