9MFY2020 Results

Business Banking | Business Banking Income Statement YoY Growth 15% 12% 14% 19% 11% >100% 24% 26% 23% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT 9MFY20 206 65 271 110 160 62 98 22 76 9MFY19 179 9MFY20 PAT 9MFY19 PAT 58 236 93 144 15 129 30 99 Positive growth in 9MFY20 Contraction in 9MFY20 Balance Sheet (RM' mil/%) Key Ratios 6,290 2,382 9MFY20 FY19 YTD Change Gross Loans/Financing 10,850 9,964 9% GIL Ratio Gross Impaired Loans 296 217 36% CTI Customer Deposits CASA 9MFY20 FY19 YTD Change 2.73% 2.18% 55bps 40.8% 39.4% >100bps 5,827 8% Loan Loss Coverage 46.0% 41.7% >100bps 2,052 16% ROA¹ 0.99% 1.47% 48bps 1. Annualised AmBank Group 9MFY2020 Results - Investor Presentation 39

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