9MFY2020 Results

NIM | NIM expanded QoQ, stable YoY Net Interest Margin (NIM) Movement Assets 191 2.0 1.1 0.7 0.3 6.7 0.9 11.4 Funding Deposits ! YTD NIM 9MFY19: 1.93% 9MFY18: 1.93% NIM movement: 3.3 QoQ: YoY : ▲ 11bps ≈ 1.3 202 Q2FY20 Wholesale Banking Investment Banking Retail Banking Business Banking Others Asset volume Interbank / & mix Group Deposits rates Deposits Q3FY20 mix Funding Positive growth in Q3FY20 Contraction in Q3FY20 AmBank Group 9MFY2020 Results - Investor Presentation 12

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