Investor Presentaiton

Wholesale Banking | Wholesale Banking Income Statement YoY Growth (5%) >100% 34% 11% 42% >100% 58% 66% 56% 152 (11) 95 (8) 37 237 (28) RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Recoveries PBT Tax Expenses PAT Q1FY24 208 126 334 (75) 259 49 308 (70) 237 Q1FY23 (Restated)¹ Q1FY24 PAT Q1FY23 PAT 219 31 250 (67) 182 13 195 (42) 152 Positive growth in Q1FY24 Contraction in Q1FY24 Balance Sheet (RM' mil/%) Key Ratios FY23 Gross Loans/Financing FY23 (Restated)¹ 21,345 Q1FY24 YTD Change (Restated)¹ Q1FY24 YTD Change GIL Ratio 0.50% 0.83% 0.33% 20,446 (4%) CTI 26.2% 22.5% (3.7%) Gross Impaired Loans 107 170 59% Loan Loss Coverage 512.7% 289.8% (>100%) Customer Deposits 43,145 48,005 11% ROA 0.88% 1.12% 0.24% CASA 10,698 9,649 (10%) CASA Mix 24.8% 20.1% (4.7%) 1. FY23 numbers have been restated with current business realignment, mainly between Wholesale Banking (WB) and Business Banking (BB) AmBank Group Q1FY24 Results - Investor Presentation 29

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