Investor Presentaiton

AmBank (M) entity level | AmBank (M) Income Statement YoY Growth ▼(3%) 49% 8% (3%) 17% >100% (23%) (23%) (23%) 285 (15) 69 9 (147) 18 218 RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT Q1FY24 Q1FY23 551 210 761 (330) 431 (152) 279 (60) 218 566 141 707 (339) 368 (5) 363 (78) 285 Q1FY24 PAT Q1FY23 PAT Positive growth in Q1FY24 Contraction in Q1FY24 Balance Sheet (RM' mil/%) Key Ratios FY23 Q1FY24 YTD Change FY23 Q1FY24 YTD Change Gross Loans 83,739 83,081 (1%) GIL Ratio 1.64% 1.87% 0.23% Gross Impaired Loans 1,374 1,558 13% CTI 47.3% 43.4% (3.9%) Customer Deposits 85,391 85,501 = Loan Loss Coverage 123.6% 111.4% (12.1%) CASA 31,342 26,557 (15%) ROA 0.86% 0.65% (0.22%) CASA Mix 36.7% 31.1% (5.6%) AmBank Group Q1FY24 Results - Investor Presentation 37

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