9MFY2020 Results

PBP & PATMI | Strong PBP growth, improving operating leverage Business Segments (RM' mil) Q3FY20 Q2FY20 QoQ Change 9MFY20 9MFY19 YoY Change Wholesale Banking 241 260 7% 733 586 25% Investment Banking 37 24 55% 86 50 70% Retail Banking 171 149 14% 472 489 3% Business Banking 57 52 9% 160 144 11% Group Funding & Others (4) (18) 79% (59) (47) 25% PBP - Banking 501 468 7% 1,392 1,223 14% General Insurance 47 85 45% 235 203 16% 51 75 32% 239 214 12% Life Insurance PBP 4 (10) >100% 4 11 64% 552 543 2% 1,631 1,437 14% 10.7% 8.1% 8.1% RM' mil 429 8.3% 8.2% 8.1% 6.3% 5.3% 404 383 328 332 342 Q1FY18 AmBank Group PBP Q2FY18 PATMI 219 Q3FY18 ROE 9MFY2020 Results - Investor Presentation 253 Q4FY18 501 502 434 348 348 Q1FY19 1. Retail debt sale gain 460 8.8% 8.3% 7.0% 536 543 552 391 382 350 355 2171 320 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 10

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