9MFY2020 Results

Retail Banking | Retail Banking Income Statement YoY Growth 2% 8% 3% 3% 30% 13% 13% 13% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT 9MFY20 926 186 1,112 640 472 145 327 78 249 9MFY19 9MFY20 PAT 906 203 1,109 620 489 112 377 90 287 9MFY19 PAT Positive growth in 9MFY20 Contraction in 9MFY20 Balance Sheet (RM' mil/%) Key Ratios 46,173 Gross Loans/Financing Gross Impaired Loans 894 728 23% CTI Customer Deposits 9MFY20 FY19 YTD Change 58,235 56,865 2% GIL Ratio 9MFY20 FY19 1.54% 1.28% YTD Change 26bps 57.6% 58.0% 40bps 51,520 10% Loan Loss Coverage 94.1% 112.4% >100bps CASA 12,215 11,448 7% ROA¹ 0.64% 1.01% 37bps Average AUM 1,409 1,379 2% AmBank Group 9MFY2020 Results - Investor Presentation 1. Annualised 36

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