Q1FY23 Results

Summary | Q1FY23 Summary B Пе Resilient performance Banking revenues flat YoY; up 6% QoQ OPR increase provides NII upside, but expect market volatility to persist in Q2FY23 Cost efficiency Target 45% Cost to Income ratio; slight negative jaws Pacing investments against revenue outlook Credit profile PHRA volumes reducing Top up overlays Balance Sheet strength Completion of partial Insurance divestiture in Q2FY23 (30% associate post completion) CET1 capital accretion on track, Q1FY23 ROE 10% (annualised) AmBank Group Q1FY23 Results - Investor Presentation 24

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