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Investor Presentaiton

Financial Overview (Reported) | Q1FY24 Performance summary - Balance Sheet Balance Sheet (RM' bil) Mar'23 June'23 YTD Change June'22 June'23 YoY Change Gross Loans GIL 130.2 129.0 (1%) 120.1 129.0 7% 1.46% 1.66% 0.20% 1.55% 1.66% 0.11% LLC (with Reg Reserves) 127.7% 115.6% (12.1%) 123.3% 115.6% (7.7%) LLC (without Reg Reserves) 116.5% 107.5% (9.0%) 116.3% 107.5% (8.8%) Customer Deposits 130.3 130.3 ≈2 121.4 130.3 7% Time deposits / Fixed Deposits 81.5 90.7 11% 81.8 90.7 11% CASA 48.8 39.6 (19%) 39.6 39.6 ≈ CASA Mix 37.4% 30.4% (7.1%) 32.6% 30.4% (2.2%) Capital Indicators (without TA) Mar'231 June'23 YTD Change June'22 June'23 YoY Change FHC CET1 12.10% 12.59% 0.49% 11.96% 12.59% 0.63% FHC Tier 1 12.10% 12.59% 0.49% 11.96% 12.59% 0.63% FHC Total Capital 15.47% 16.33% 0.86% 15.48% 16.33% 0.85% Liquidity Ratios Mar'23 June'23 YTD Change June'22 June'23 YoY Change FHC LCR 149.2% 170.0% 20.8% 153.0% 170.0% 17.0% LDR² 99.9% 99.0% (0.9%) 99.0% 99.0% LDR (include NIDs) 95.2% 94.3% (0.9%) 94.4% 94.3% (0.1%) LTAF³ 84.4% 83.6% (0.8%) 84.3% 83.6% (0.7%) 1. After deducting proposed dividend 2. 3. Loan-to-Deposit (LDR) refers to Gross Loans divided by Customer Deposits Loan-to-Available-Funds ratio (LTAF) refers to gross loans (excluding financing funded by Islamic Investment Accounts and loans sold to Cagamas) divided by deposits plus borrowings and sub debt AmBank Group Q1FY24 Results - Investor Presentation 10
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