9MFY2020 Results - Investor Presentation

Group P&L | Net profit higher from stronger income growth and improved cost efficiency YoY Growth 6% 15% 9% 5% 14% >100% 2% 9% 5% 14% 5% 152 1,046 21% 119 76 76 31 167 Effective 1,093 12 12 26% NIM: 1.93% Noll%: 36.1% CTI: 49.6% GIL: 1.71% Tax Rate: 20.6% 74% 79% RM' mil Net Interest Non-Interest Income Income Total Income Expenses PBP (Recovery) / Impairment PBT Tax & Zakat PAT MI PATMI 9MFY20 2,070 1,168 3,238 1,607 1,631 134 1,497 311 1,186 93 1,093 9MFY19 1,952 1,016 2,968 1,531 1,437 (33) 1,470 342 1,127 82 1,046 Positive growth in 9MFY20 Contraction in 9MFY20 Conventional PATMI Islamic PATZ AmBank Group 9MFY2020 Results - Investor Presentation 11

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