9MFY2020 Results

NIM & Gross Loans | Net interest margin and gross loans NIM Trend Gross Yield COF 5.08% 5.07% NIM 5.03% Net Spread 1 4.92% 4.93% 4.83% 4.96% 4.84% 4.94% 5.02% 4.87% 3.39% 3.47% 3.46% 3.45% 3.37% 3.45% 3.22% 3.27% 3.26% 3.11% 3.23% 2.02% 2.02% 1.91% 1.88% 1.87% 1.91% 1.98% 2.00% 1.89% 1.93% 1.78% 1.69% 1.73% 1.69% 1.60% 1.57% 1.47% 1.56% 1.61% 1.68% 1.58% 1.64% Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 FY17 FY18 FY19 9MFY20 1. Net spread equals to Gross Yield less COF Quarterly Gross Loans (RM 'bil) 104.5 101.8 102.0 100.8 100.4 99.9 98.4 QoQ Growth: YTD Growth: 3% 3% 101.8 96.3 91.0 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 FY17 FY18 FY19 AmBank Group 9MFY2020 Results - Investor Presentation 24

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