9MFY2020 Results

Expenses | Cost well managed while continuing to invest Business Segments Q3FY20 Q2FY20 QoQ Change 9MFY20 9MFY19 YoY Change (RM' mil) Wholesale Banking 76 74 3% 220 208 6% Investment Banking 48 45 7% 138 130 7% Retail Banking 215 220 2% 640 620 3% Business Banking 37 38 3% 110 93 19% Group Funding & Others 90 63 41% 242 222 8% Expenses - Banking 466 440 6% 1,350 1,273 6% Insurance 86 86 ≈ 257 258 1% (General, life, takaful) Expenses 552 526 5% 1,607 1,531 5% Expense Growth Driver RM' mil 1,531 72 9 88 5 1,607 9MFY19 Staff Cost Compliance & MFRS 16 Impact Governance Others 9MFY20 Positive P&L impact in 9MFY20 Negative P&L impact in 9MFY20 AmBank Group 9MFY2020 Results - Investor Presentation Expense and CTI Trend 68.0% 56.3% 58.2% 60.1% 62.8% 728 54.1% 50.6% 50.2% 49.7% 49.2% 50.0% RM' mil 553 1462 563 $20¹ 191 577 81 600 552 513 506 513 529 526 Q1FY18 Q2FY18 Q3 FY18 Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 1. Retail Operational Loss 2. Mutual Separation Scheme 14

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