9MFY2020 Results

Islamic Banking | Islamic Banking Income Statement YoY Growth ▲ 7% 2% 12% 36% 30% 26% 31% RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PATZ 9MFY20 664 227 436 71 365 81 285 9MFY19 623 231 391 110 281 64 217 9MFY20 PATZ 9MFY19 PATZ Positive growth in 9MFY20 Contraction in 9MFY20 Balance Sheet (RM' mil/%) Key Ratios 9MFY20 FY19 YTD Change 9MFY20 FY19 30,282 Gross Financing Gross Impaired Financing 586 573 2% CTI Customer Deposits 30,836 31,140 1% CASA Deposits 29,330 3% GIF Ratio 1.93% 1.95% YTD Change 2bps 34.3% 38.0% >100bps Financing Loss Coverage 102.9% 103.2% 30bps 8,458 8,969 6% ROA¹ 0.93% 0.80% 16bps AmBank Group 9MFY2020 Results - Investor Presentation 1. Annualised 40 40

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