FY22 Results - Investor Presentation

Expenses | Disciplined cost management, CTI 44.9% Business Segments Q3FY22 Q4FY22 QoQ Change FY21 FY22 YoY Change (RM' mil) Wholesale Banking 64 65 1% 268 254 (5%) Investment Banking 44 47 8% 176 176 Retail Banking 217 212 (3%) 865 840 (3%) Business Banking 38 45 19% 152 153 1% Group Funding & Others 82 105 28% 314 352 12% Expenses - Banking 446 475 6% 1,775 1,775 General Insurance 83 83 83 22 357 319 (10%) Expenses 529 557 5% 2,132 2,094 (2%) Expense Growth Driver (YoY) RM' mil 2,132 31 662 28 20 2,094 Expense and CTI Trend RM' mil 49.9% 49.3% 49.6% 45.4% 46.4% 46.5% 45.8% 46.8% 44.7% 40.0% 44.9% 2,108 2,132 2,094 539 524 545 525 495 514 529 557 FY21 Staff Cost Admin & General Sales & Marketing Others FY22 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 FY20 FY21 FY22 Positive P&L impact in FY22 Negative P&L impact in FY22 a AmBank Group FY22 Results - Investor Presentation 20 20

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