9MFY2020 Results

Loans | Loans growth boosted by higher disbursements in Q3 Gross Loans Movement (RM' bil) Breakdown by rate sensitivity: Fixed rate 24% Variable rate -76% Breakdown by concept: Islamic -29% Breakdown by customers type: Retail -56% ROA¹: ROTA¹: 1.02% 1.03% Conventional - 71% Non-retail 44% Ex. Auto: YTD Growth 6% 3% 3% 5% 11% 7% 25% 22% 9% ▲ 3% ▲ 5% Composition 15% 17% 2% 34% 13% 3% 3% 3% 10% 100% 101.8 0.9 0.5 0.0 1.7 0.9 0.5 0.7 0.2 1.7 Gross loans trend YTD Growth Industry 9MFY20 104.5 3% 3%2 FY19 101.8 ▲ 6% 5%³ FY18 96.3 ▲ 6% 4%3 104.5 FY19 MidCorp Large Corp & Others Investment Banking Mortgage Auto Finance Cards Retail SME Others Business Banking 9MFY20 Wholesale 1% Positive growth in 9MFY20 Contraction in 9MFY20 AmBank Group 9MFY2020 Results - Investor Presentation Retail 2% 1. Annualised 2. Based on BNM data from Mar'19 to Dec'19 3. Based on BNM data and in accordance with AMMB's financial period 17

View entire presentation