Q1FY23 Results

Business Banking | Business Banking Income Statement YoY Growth 10% 12% 11% 35% 3% (14%) 7% 20% 4% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT Q1FY23 122 33 156 46 110 19 90 90 21 69 Q1FY22 111 30 141 34 107 22 54 84 18 66 66 Q1FY23 PAT Q1FY22 PAT Positive growth in Q1FY23 Contraction in Q1FY23 Balance Sheet (RM' mil/%) FY22 Gross Loans/Financing 18,736 Q1FY23 19,053 YTD Change 2% GIL Ratio Key Ratios FY22 Q1FY23 YTD Change 1.42% 1.47% 0.05% Gross Impaired Loans 266 279 5% CTI 27.4% 29.6% 2.2% Customer Deposits 15,231 14,120 (7%) Loan Loss Coverage 89.5% 86.2% (3.3%) CASA 8,282 7,123 (14%) ROA¹ 1.59% 1.48% (0.11%) 1. Annualised AmBank Group Q1FY23 Results - Investor Presentation 39

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