9MFY2020 Results - Investor Presentation

Financial Snapshot | 9MFY20 Financial snapshot 9MFY20 Financials 9MFY20 Positive income momentum driving profit growth 3,238 Income 9% • Continued strong income growth in Q3 9MFY19: 2,968 1,607 Expenses 5% • Investing for growth while maintaining positive JAWS 9MFY19: 1,531 PBP Profitability (RM' mil) 1,631 9MFY19: 1,437 14% • Robust PBP growth, CTI of 49.6% (Recovery) / Impairment 134 9MFY19: (33) >100% • Credit costs normalising 1,093 PATMI 5% • Good profit growth 9MFY19: 1,046 ROE 8.1% 9MFY19: 8.2% 10bps • ROTE at 9.4% 104.5 Assets & Gross Loans 3% Loans growth picked up in Q3, ex. auto loans +5% FY19: 101.8 Liabilities (RM' bil) Deposits 105.7 FY19: 106.9 1% • Actively managing funding and liquidity requirements FHC CET11 Capital & Liquidity 12.2% FY19: 11.9% 27 bps Well capitalised FHC LCR 163% FY19: 193% 3,000 bps Sound liquidity position 1. After deducting proposed dividends AmBank Group 9MFY2020 Results - Investor Presentation 3

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