9MFY2020 Results

Loans | Loans by sector vs. industry AmBank Group (RM' bil) Loans Composition 3% 2% 13% 1% 4% 7% 3% 5% 7% 2% 53% YTD Growth 8% ▲ 17% ▲ 19% ▲ 33% 3% ▲ 8% ▲ 7% 9% ▲ 26% ≈2 Loans Composition YTD Growth Dec-19 55.9 100% 77% ▲ 3% 104.5 4.3 3.0 2.0 14.0 0.6 43 7.3 4.9 2.9 2.0 0.1 7.5 Agriculture Mining & Quarrying Manufacturing Electricity, Gas & Water Construction Wholesale, Retail, Hotels & Restaurant Finance, Transport, Storage & Com Insurance, Real Estate Education & Health Household Others Total Loans & Biz Act 36.0 10.3 15.8 121.6 91.2 131.2 39.6 40.3 117.4 115.7 22.0 Dec-19 2% 1% 7% 1% 5% 7% 2% 7% 7% 1,030.4 1,771.6 26 2% 58% 1% 100% ▲3% ▲ 25% 6% ▲ 27% 1% ▲ 4% 1% ▲ 2% ▲ 1% 2% 4% 10% ▲ 3% Industry (RM' bil) Source: BNM, financial statements AmBank Group 9MFY2020 Results - Investor Presentation 27

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