9MFY2020 Results

Investment Banking | Investment Banking Income Statement YoY Growth 19% 35% ▲ 24% 7% ▲ 70% 26% 65% 93% 59% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT 9MFY20 29 195 224 138 86 (7) 93 20 20 74 9MFY19 9MFY20 PAT 9MFY19 PAT 37 144 180 130 Positive growth in 9MFY20 50 (6) 56 10 46 Contraction in 9MFY20 Balance Sheet (RM' mil/%) Key Ratios 9MFY20 FY19 9MFY20 FY19 YTD Change YTD Change 1,633 850 153 Gross Loans/Financing Gross Impaired Loans 2 2 3% CTI Customer Deposits CASA 1,592 3% GIL Ratio 0.11% 0.10% 1bps 61.7% 71.7% >100bps 744 14% Loan Loss Coverage 148.4% 100.2% >100bps 123 25% ROA¹ 4.26% 2.23% >100bps Average AUM 52,761 47,311 12% AmBank Group 9MFY2020 Results - Investor Presentation 1. Annualised 33

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