9MFY2020 Results

9MFY2020 Results | Yearly performance PATMI (RM' mil) & ROE (%) PATMI Total Income (RM' mil) and Non-interest Income (%) Total Income PATMI: ROE: ROE (%) CAGR FY16-FY19: YoY Growth 4.9% CAGR FY16-FY19: Total Income Non-interest Income % A 4.5% YoY Growth ▼ 0.1% CAGR FY16-FY19: YoY Growth 39% 38% 36% 34% 34% 8.8% 8.5% 8.8% 8.2% 8.1% 7.0% 2.0% ▲ 9.1% 36% 1,505 1,302 1,325 3,696 3,766 3,979 3,922 1,132 1,046 1,093 2,968 3,238 FY16 FY17 FY18 FY19 9MFY19 9MFY20 Cost to Income Ratio and Expenses Growth (%) CTI CTI: Expenses Growth CAGR FY16-FY19: YoY Growth Expenses: 1.5% CAGR FY16-FY19: 2.0% 0.7% 58.8% 60.8% 57.4% 54.3% 51.6% 49.6% FY16 FY17 FY18 FY19 9MFY19 9MFY20 ROA (%) and EPS (Basic) 1 ROA: EPS ROA CAGR FY16-FY19: YoY Growth 1.09% 1.08% 1.05% 0.91% EPS: 22 CAGR FY16-FY19: YoY Growth A 4.9% 4.6% 1.02% 1.02% 50.0 12.0% 0.8% -0.6% 43.3 44.1 5.0% 37.6 34.8 36.4 -9.5% -12.0% FY16 FY17 FY18 FY19 9MFY19 9MFY20 FY16 FY17 FY18 FY19 9MFY19 9MFY20 Source: BNM, financial statements AmBank Group 9MFY2020 Results - Investor Presentation 1. Annualised 23

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