9MFY2020 Results

Wholesale Banking | Wholesale Banking Income Statement YoY Growth 11% 43% 20% 6% ▲ 25% 70% 1% 2% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT 9MFY20 645 308 953 220 733 (58) 790 179 611 9MFY19 579 9MFY20 PAT 9MFY19 PAT 215 Positive growth in 9MFY20 794 208 586 (193) 779 180 599 Contraction in 9MFY20 Balance Sheet (RM' mil/%) Key Ratios 9MFY20 FY19 YTD Change 9MFY20 FY19 YTD Change Gross Loans/Financing 33,927 33,519 1% GIL Ratio 1.77% 2.01% 24bps Gross Impaired Loans 599 675 11% CTI 23.1% 26.3% >100bps Customer Deposits 52,766 49,002 8% Loan Loss Coverage 38.4% 62.3% >100bps CASA 10,373 11,411 9% ROA¹ 1.07% 1.09% 2bps AmBank Group 9MFY2020 Results - Investor Presentation 1. Annualised 31

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