AR25

Performance Highlights at a Glance

Financial Highlights

Total Income

RM0.0

million

Return on Equity (ROE)

0.0%

Shareholders' Equity

RM0.0

billion

Total Assets

RM0.0

billion

Gross Loans, Advances and Financing

RM0.0

billion

Cost-to-Income Ratio

0.0%

Profit After Taxation and Minority Interest (PATMI)

RM0.0

million

Total Capital Ratio

0.0%

Deposits from Customers

RM0.0

billion

Common Equity Tier 1 (CET1) Capital Ratio

0.0%

Dividend per Share

0.0

sen

Dividend Payout Ratio

Business Highlights

Retail Banking

Won award for:

Priority Banking Initiative of the Year – Asian Banking & Finance Retail Banking Awards 2024

Business Banking

Strengthened ecosystem partnerships, bundled offerings and advisory services, while expanding regional presence and deepening foreign direct investment (FDI) engagement with over 30 customers through our integrated one-stop support platform

Islamic Banking

Won multiple awards including:

Best Islamic SME Bank Malaysia 2024
Best Sukuk – Pharmaceutical 2024 (Shariah Adviser) for Duopharma Biotech RM364.0 million triple-tranche Wakalah sukuk
Best Islamic Banking CEO Malaysia 2024

Investment Banking

Won multiple awards including:

Best Asset Management Company (30 years), Malaysia – Asia Asset Management Best of the Best Awards 2025
Best M&A House in Southeast Asia – Alpha Southeast Asia's 18th Annual Marquee Awards
Best Equity Deal of the Year in SEA & Best Equity/IPO in Malaysia 2025 – Alpha Southeast Asia 2024
Best Securities House for Fixed Income in Malaysia 2024 - Euromoney Securities Houses Awards 2024

Wholesale Banking

Approved RM1.1 billion in green financing in FY2025, including unrated bonds and sukuk, demonstrating a strong commitment to sustainable finance and supporting Malaysia’s climate transition objectives

Sustainability Highlights

Won Malaysia's Best Bank for ESG 2024 Euromoney Award

Developed AmBank Group's Net Zero Transition Pathway, with Near-Term 2030 Targets and Position Statements for select hard-to-abate sectors

Commitment to exit Thermal Coal Mining by 2030

Developed the Sustainable Finance Product (SFP) Framework to facilitate the execution of AmBank Group's Net Zero Transition Plan

Established Carbon Neutral Target 2030 (Scope 1 and Scope 2) for own operations

Supported the early development of 23 children by establishing the 'AmBank Little Explorers' (ALEX) Childcare Centre

27,233 people benefitted through the Group's Community Programmes

Contributed a total of RM592 million to Local Suppliers , representing 87% of total suppliers

Chairman's Letter

Dear Stakeholders,

50 years is a long journey — one that has taken AmBank Group through economic cycles, ecosystem shifts, regulatory changes, and global disruptions, including unprecedented events like the COVID-19 pandemic and the globalisation of world trade.

From over 20 local banks in Malaysia, only a few remain today. The fact that AmBank Group stands among them reflects not just survival, but our ability to grow, adapt, and endure.

TAN SRI MD NOR BIN MD YUSOF

Chairman

Common Equity Tier 1 (CET1)
Capital Ratio

0.00%

(FY2024 SA: 13.04%)

Profit After Taxation and Minority Interests (PATMI)

RM0.0

million

(FY2024: RM1,868.1 million)

Group Chief Executive Officer’s Review

Dear Stakeholders,

We have made a good start to the first year of our Winning Together 2029 (WT29) strategy. The Group’s capital and liquidity positions remain strong, we delivered record earnings, increased our dividend payout and our share price has improved significantly in the past year.

JAMIE LING

Group Chief Executive Officer

Business Banking

RM0.0

billion in loans

Income Growth

Profit Growth

Investment Banking

Overall Income

Profit Increasing

Performance Review by Group Chief Financial Officer

Our improved performance and share price appreciation also resulted in AmBank Group's inclusion into the FBM KLCI Top 30 Index on 23 June 2025.

Profit After Taxation and Minority Interests (PATMI)

RM0.0

million

7.1%

FY2024: RM1,868.1 million

Dividend Per Share (DPS)

0.0

sen

34%

FY2024: 22.6 sen

Net Interest Margin (NIM)

0.00%

0 bps

FY2024: 1.79%

Dividend Payout Ratio (DPR)

Payout approximately

RM0.0 billion

in cash

FY2024: 40%

Total Income

RM0.0

million

6.1%

(FY2024: RM4,646.6 million)

Group Financial Highlights

Profit Attributable to Shareholders(RM million)

Total Income(RM million)

Total Assets(RM million)

Gross Loans, Advances and Financing(RM million)

Total Liabilities(RM million)

Deposits from Customers(RM million)

* Excluding one-off charges of RM4,788.1 million.

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Business Review

Wholesale Banking

Business Banking

Retail Banking

Investment Banking

Islamic Banking

Life Insurance Business

Family Takaful Business

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Sustainability at AmBank Group

Sustainability is integral to how we win together with our stakeholders. We embed sustainability principles across our operations to drive responsible growth, financial resilience, and inclusive impact. Guided by our Winning Together 2029 (WT29) strategy, we focus on delivering measurable outcomes through responsible banking. We are conscious that our internal conduct has ESG, climate-related and positive societal impact, while supporting Malaysia’s broader transition to a low-carbon and equitable economy.

SUSTAINABILITY STATEMENT

AmBank Group embeds sustainability considerations, including climate-related risks and anti-bribery/corrupt practices, into our strategies, business, and operations to contribute to the greater good of our stakeholders, and ensuring the longevity of our relevance and profitability.

Sustainability Themes

Responsible Banking

We are committed to conduct our business and engage customers in a responsible manner.