9MFY2020 Results

Capital | Adequate capital levels RWA/Total Assets RM' bil 71.2% Total Assets 72.2% RWA/Total Assets Peers 72.2% 2 65.0%² 66.9% Capital Adequacy Ratios³ CET 1 Tier 1 Total CAR Aggregated basis4. FHC 16.1% 16.3% 15.4% 15.6% 59.6% 59.5% 59.3% 58.4% 58.4% 12.3% 12.5% 13.6% 5 158.8 157.9 11.3% 11.6% 11.1% 11.9%5 12.2% 133.8 134.8 137.9 FY16 FY17 FY18 FY19 1. Based on an average of our seven peer domestic banks as at 30 September 2019 2. FHC RWA/Total Assets Financial Holding Company CET1 12.58% 0.08% 9MFY20 FY16 FY17 3. After deducting proposed dividends 5. FHC CET 1 and Tier 1 ratios are the same 0.02% 12.15% 0.35% 0.02% 0.02% FY18 FY19 4. Aggregated banking entities 9MFY20 0.36% 12.51% Q2FY20 Transfer of Reg reserve to RE Credit RWA Market RWA Operational & other RWA Others Q3FY20 Q3FY20 Proforma Profit Q3 FY20 Proforma FHC CET 1 Positive growth in Q3FY20 Contraction in Q3FY20 6. Q3FY20 profit has not been audited, therefore has not been recognised for regulatory purpose AmBank Group 9MFY2020 Results - Investor Presentation 19

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