FY23 Results - Investor Presentation

Financial Snapshot (Reported) | FY23 Financial snapshot FY23 Reported Financials Variance Income 4,738 FY22: 4,665 2% • Delivered 10% ROE, dividend payout of 35% Continuing Operations¹, income grew 12% Expenses (2,100) FY22: (2,094) • ≈2 • Continuing Operations¹, expenses grew 12% Reported CTI 44.3% 2,637 PBP 3% • FY22: 2,571 Profitability (RM' mil) Impairment (467) FY22: (766) (39%) • Continuing Operations ¹, PBP grew 13%, CTI 43.4% Significantly lower WB provisions, partially offset by higher RB and BB provisions Including AmGen's net impairment of RM113mil PATMI 1,735 FY22: 1,503 15% • Continuing Operations ¹, PATMI grew 28% ROE 10.0% FY22: 9.3% 0.7% • ROTE: 10.3% 130.2 Assets & Gross Loans 9% FY22: 120.0 Liabilities (RM' bil) Customer Deposits 130.3 FY22: 122.6 6% • FHC CET12 (with Transitional Arrangements ("TA")) 12.51% FY22: 12.20% 0.31% • Broad-based loans growth across segments CASA grew 13%, CASA ratio 37.4% (FY22: 35.2%) Capital build on track FHC CET1 (without TA) = 12.10% (FY22: 11.65%) Capital & Liquidity 149.2% FHC LCR (9.3%) . Sector liquidity tightening FY22: 158.5% Dividend per share 18.3 sen FY22: 5.0 sen 13.3 sen Dividend payout ratio 35% (FY22: 11%) 1. 2. Continuing operations comprised Banking operations and Insurance. Insurance mainly consists of Life Insurance (as JV) and General Insurance (as associate from Aug'22 to Mar'23) After deducting proposed dividend AmBank Group FY23 Results - Investor Presentation 3

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