9MFY2020 Results

General Insurance | General Insurance Loss Ratio and Combined Ratio ■Loss Ratio Combined Ratio 96% 97% YoY PBT and PAT (RM' mil) 92% 92% 92% 89% PBT PAT 64% 63% 57% 58% 55% 59% FY16 FY17 FY18 FY19 9MFY19 9MFY20 2 194 192 Gross Premium Mix and Growth (RM' mil) Motor Non-Motor 1 YoY GWP Growth: 5% 5% YoY Motor Growth: YoY Non-motor Growth: ▲ 6% 1,567 1,580 1,474 1,527 18% 19% 21% 21% 1,116 1,173 180 21% 170 21% 82% 81% 79% 79% 79% 79% 282 246 242 204 YoY PBT Growth: YoY PAT Growth: ▲ 16% 15% 237 198 190 165 FY16 FY17 FY18 FY19 9MFY19 9MFY20 FY16 1. Includes motor PA 2. FY17 FY18 FY19 Includes write-back of prior year tax provisions 9MFY19 9MFY20 AmBank Group 9MFY2020 Results - Investor Presentation 41

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