9MFY2020 Results

Asset Quality | Credit costs remained low whilst normalising Net Impairment (RM' mil) (33.4) 58.6 113.8 Gross Impaired Loans, GIL and LLC Ratios Q1FY20: (32.5)¦ Q2FY20: 109.1 176.4 Q3FY20: 56.9 Retail Business Wholesale GIL Ratio 100.5% Loan Loss Coverage 2 114.0% 116.8% 105.2% 81.2% 79.7% 16.9 133.5 1.94% 1.86% 1.70% 1.71% 1.62% RM' mil 1.59% 1,701 1,689 1,638 1,621 1,623 1,791 296 40 209 217 152 925 1,000 600 749 676 723 9MFY19 165.0 ECL Stage 1 & 21 ECL Stage 3 Individual Allowance Recoveries Others 9MFY20 894 776 649 681 728 747 FY16 FY17 FY18 FY19 9MFY19 9MFY20 Positive P&L impact in 9MFY20 Negative P&L impact in 9MFY20 1. Includes macro provisions 2. Includes regulatory reserve Impairment Balance (Balance Sheet) Non-performing / impaired assets RM' mil 251 208 187 181 200 215 Performing assets 898 711 Credit Cost (%) and New Impaired Loans Formation (RM' mil) AmBank Group FY16 FY17 FY18 FY19 9MFY20 9MFY19 441 622 Total Provisions FY18: FY19: 1,301 19MFY20: 1,143) 943 Credit cost (%) -0.18% -0.19% 0.00% -0.30% 0.16%4 -0.04%4 485 Stage 2 Credit cost (excl. recoveries) (%) New Impaired Loans Formation (RM' mil) 0.46% 0.56% 0.47% 0.53% 0.53%4 0.58%4 1,418 1,330 1,162 1,123 1,257 1,142 94 276 226 Stage 1 4. Annualised ECL Stage 3 / CP-Defaulted ECL Stage 1 & 2/ CP Non defaulted³ Model Risk Adjustment 9MFY20 Individual Allowance FY18 ■FY19 3. Includes macro provisions AmBank Group 9MFY2020 Results - Investor Presentation 15

View entire presentation