9MFY2020 Results - Investor Presentation

Funding | Funding profile Funding Composition vs. Peers FY16 FY17 FY18 FY19 9MFY20 Peers¹ Equity & debt capital 16% 16% 16% 15% 15% 16% Customer deposits 73% 74% 74% 74% 73% 74% Term funding & loans sold 10% 9% 7% 6% 5% 5% with recourse Deposits from banks & Fls 1% 1% 3% 5% 7% 5% 1. Based on an average of seven peer domestic banks as at 30 September 2019 LDR / LTAF² LDR LTAF² Funding Maturity Profiles Term Funding and Debt Capital 14% 9MFY20: RM6.1 bil 86% ■ < 1 yr ■> 1 yr Deposits from Customers, Banks & Fls FY16 FY17 FY18 FY19 9MFY20 2% 1% 97.3% 96.9% 100.5% 95.3% 98.9% 83.0% 85.4% 2. Loan-to-Available-Funds ratio (LTAF) refers to gross loans (excluding financing funded by Islamic Investment Accounts and loans sold to Cagamas) divided by deposits plus borrowings and sub debt AmBank Group 9MFY2020 Results - Investor Presentation 8% 9MFY20: RM116.7 bil 89% ■ < 6 mth ■ 6-12 mth ■ 1-3 yr ■ 3-5 yr 28

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