9MFY2020 Results - Investor Presentation

Financial Overview | 9MFY20 Performance summary - P&L Q3FY20 Q2FY20 QoQ Change 9MFY20 9MFY19 YoY Change P&L (RM' mil) Total Income 1,105 1,069 Expenses PBP 3% 3,238 2,968 9% 552 526 5% 1,607 1,531 5% 552 543 2% 1,631 1,437 14% Net (Recovery) / 57 109 48% 134 (33) >100% Impairment PATMI 382 320 20% 1,093 1,046 5% Financial Q3FY20 Q2FY20 QoQ Change 9MFY20 9MFY19 YoY Change Indicators CTI 50.0% 49.2% 80bps 49.6% 51.6% NIM 2.02% 1.91% 11bps 1.93% 1.93% ROE EPS1 1. Basic Earnings Per Share 8.3% 7.0% 130bps 8.1% 8.2% 200bps 10bps 12.71 sen 10.62 sen 2.09 sen 36.35 sen 34.75 sen 1.60 sen AmBank Group 9MFY2020 Results - Investor Presentation 7

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