The document provides an analyst briefing on the 1H FY2017 financial results of an organization. Key points from the 1H FY2017 include: - Revenue and profits grew, with efficient loans growth focused on improved risk-adjusted returns and growing client-based fee income. Cost-to-income ratio was maintained below industry average. - Effective risk management was exercised, with better-than-industry asset quality and contained credit costs. Deposits grew faster than the industry while maintaining net interest margin. Capital ratios remained sustainable. - Net profit after tax increased slightly by 0.1% quarter-on-quarter to RM132.6 million. An interim dividend of 8.5 sen per share was declared

1. ANALYST BRIEFING
1H FY2017
29 November 2016

2. Executive Summary
 Growth: Revenue and Profitability
 Effective Risk Management
 Key Results
Contents
Going Forward
 FY17: Priorities and Targets
2
1
Appendix - Financial Results:
 2Q FY2017
 1H FY2017
3

3. 2
Revenue and
Profitability
1
2
3
 Efficient loans growth with improved Risk Adjusted Returns (“RAR”)
 Growing client based fee income
 Maintained cost to income ratio
 Better-than-industry asset quality, credit cost contained
 Maintaining optimal funding mix
 Deposits grew faster than industry, q-o-q NIM maintained
 Sustainable capital ratios
Continued progress despite challenging economy
Effective Risk
Management
Key Results
 Net profit after tax: +0.1% q-o-q to RM132.6 million
 Interim dividend of 8.5 sen (50% payout ratio)
2Q FY2017:
Performance

4. a) Q-o-Q loan portfolio yields maintained at 5.18%
(normalised basis)
b) Enhancing loan portfolio yields by:
 Improving loans mix
 Pricing for risk
c) Industry yield* contracted by 8 bps to 4.51%
Note:
* based on the Average Lending Rates for Commercial Banks as per BNM Monthly Statistical Bulletin September 2016
^ restated (including BA)
Growth:
Revenue & Profitability
3
Efficient loans growth with focus on risk adjusted return
Loan Portfolio Yield
5.08%
4.67% 4.66% 4.66% 4.62%
4.51% 4.55% 4.60% 4.59%
4.51%
5.03% 5.08%
5.00% 5.06% 5.10% 5.13% 5.19% 5.18%^ 5.18%
Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16
Alliance Bank Industry Alliance Bank (normalised)
%
OPR
impact:
10 bps

5. a) Improved loan origination mix: 1H FY2017
annualized loans growth:
 Better risk adjusted return (“RAR”) loans:
13.8%
 Lower RAR loans: -0.5%
b) Portfolio RAR continue to improve
1H FY2017
Loans
Growth
RM (mil)
1H FY2017
Annualized
Loans Growth
-0.5%
SME & Commercial
Consumer
Unsecured
Mortgage & Biz.
Premises
Hire Purchase
Total
Better RAR loans
Lower RAR loans
13.8%Total RAR =2.10%
RAR = 0.75%
1H FY2016
Loans
Growth
RM (mil) %
Note: Risk Adjusted Return: Net Interest Margin less (Direct Variable Cost + Business as Usual Credit Cost) ÷ Average Loan Balance
311
140
451
755
(132)
132
754
4
Efficient growth in better risk adjusted return loans
Q-o-Q improvement in portfolio RAR from 1.10% to 1.17%
Loans Growth YTD (April – September 2016)
Corporate
579
103
682
(205)
(135)
(66)
275
Growth:
Revenue & Profitability

6. Note: Non-Interest Income in this Chart is inclusive of Islamic Banking client-based fee income
5
Growing client based fee income
Client Based Fee Income Trend
11.0 12.4 11.0 14.9 14.0
22.9 28.84.8 5.5 5.6 5.1 5.5
11.0
10.6
15.6 14.2 15.7
17.3 16.2
30.1
33.4
18.5 17.4 16.7
17.6 18.3
32.8
35.8
18.4 24.3 21.2
22.1 23.7
37.9
45.9
68.3 73.8 70.2
77.0 77.7
134.7
154.6
2QFY16 3QFY16 4QFY16 1QFY17 2QFY17 1HFY16 1HFY17
Insurance, Banca & Unit Trust Fees
Brokerage & Share Trading Fees
FX Sales
Trade Fees
Banking Services Fees
a) 1HFY17 client based fee income up 14.8% y-o-y,
with growth in:
 Wealth Management fee: +16.4%
 FX sales: +11.1%
 Trade fees: +9.4%
 Banking Services fees: +21.0%
b) 1QFY17 client based fee income up 0.9% q-o-q,
with growth in Trade fees (+3.9%) and Banking
Services fees (+7.2%)
= Wealth Management
Growth:
Revenue & Profitability
RM mil

7. 166.0 175.0 180.6
169.1 167.3
333.4 336.4
45.4%
48.4%
51.2%
46.5% 46.5% 46.9% 46.5%
2QFY16 3QFY16 4QFY16 1QFY17 2QFY17 1HFY16 1HFY17
OPEX CIR
a) Cost to income ratio at 46.5%, below industry
average of 50.1%*
b) 1HFY17 operating expenses up 0.9% y-o-y
thanks to cost discipline
c) Cost to income ratio will be maintained below
50% with continued cost control and selected
franchise investment
6
Note: * Average cost to income ratio of local banking groups at June 2016
Maintained cost to income ratio
Operating Expenses Trend
Growth:
Revenue & Profitability
RM mil

8. 83.1% 84.4%
4.8% 1.8%
8.7% 9.2%
3.4% 4.6%
Sep-15 Sep-16
Other Liabilities
Shareholders'
Funds
Deposits of banks
and other FIs
Deposits from
Customers
%
7
Maintaining optimal funding mix
Funding of Balance Sheet
+RM2.2B
Sub-Notes +RM600m
Cagamas +RM500m
Effective
Risk Management
13.0 13.4
1.8 1.8
20.6 22.8
8.7 8.2
44.1 46.2
33.6% 32.9%
Sep-15 Sep-16
Others
Fixed Deposits (FD)
Saving Deposits
Demand Deposits
CASA ratio
RM bil
Deposits Growth and CASA Ratio
Optimising funding mix with focus on customer based
funding:
a) Growing customer deposits +4.9% y-o-y
b) Growing CASA balances: +2.8% y-o-y (CASA ratio
at 32.9%)
c) Proportion of funding from customer deposits
remained high (>80%)
d) Continue to maintain optimal funding mix, with
+RM1.1 billion of recent Tier-2 Sub-Notes and
Cagamas funding

9. %
a) +4.9% y-o-y customer deposits growth, faster than
industry^ (1.3%*)
b) Loans to deposits ratio at 84.6% (industry*: 89.4%)
c) Positive funding gap at 1.92% between deposits
and loans growth (industry: -2.87%*)
d) Q-o-Q drop in cost of funds (-5 bps) mainly due to
lower interest on Fixed Deposits (FD)
e) GIM: -4 bps q-o-q due to base rate reduction
following Overnight Policy Rate (OPR) cut in July
f) NIM: maintained q-o-q
8
Deposits grew faster than industry, q-o-q NIM maintained
Cost of Funds & Net Interest Margin Trend
2.66% 2.66% 2.74% 2.85% 2.77% 2.72%
2.16% 2.19% 2.15% 2.12% 2.22% 2.22%
4.67% 4.71% 4.74% 4.79% 4.79% 4.75%
1QFY16 2QFY16 3QFY16 4QFY16 1QFY17 2QFY17
Cost of Fund Net Interest Margin Gross Interest Margin
Oct 2015 - Sep 2016 AFG Group Banking System
Deposits Growth 4.94% 1.33%
Loans Growth 3.02% 4.20%
Difference
(Funding Gap)
1.92% (2.87%)
Notes: ^ Based on Total Deposits in the Banking System * Based on BNM Monthly Statistical Bulletin September 2016: Liquidity in the Banking System
Effective
Risk Management

10. Better-than-industry asset quality
Gross Impaired Loansa) Better-than-industry asset quality despite slow down
in mortgages and hire purchase loans:
 Gross impaired loans ratio at 0.9% (industry: 1.6%)
 Net impaired loans ratio at 0.5% (industry: 1.3%)
 SME gross impaired loans ratio at 0.8% (industry: 2.6%*)
 Loan loss coverage at 147.0%^
b) Restructured & Rescheduled loans:
 Flow: -RM35.6 million q-o-q
 Stock: RM85.8 million (0.2% of total loans)
c) Proactive actions:
 Enhanced credit underwriting policies
 Enhanced early warning systems
 Strengthened collections
442.8
380.7
487.9
426.7
367.8
1.4%
1.0%
1.3%
1.1% 0.9%
0.7% 0.6%
0.8% 0.7% 0.5%
FY2014 FY2015 FY2016 1HFY16 1HFY17
RM mil Gross impaired loans
Gross impaired loan ratio
Net impaired loan ratio
Note: ^ Loan Loss Coverage is enhanced by Regulatory Reserve provision amounting to RM166.1 million (+45.2%)
Industry: Based on the Banking System as per BNM Monthly Statistical Bulletin September 2016 (except indicated by * based on August 2016)
9
Effective
Risk Management

11. a) 1HFY2017: Annualized net credit cost normalised
to 17.9bps
b) Continued reduction in recoveries:
 FY2016: RM37.8 million
 1HFY17: RM16.7 million
(annualized RM33.3 million)
10
Contained credit cost
22.8
-10.0
12.8
26.4
-8.5
17.9
Credit cost (excluding
recoveries)
Recoveries Net credit cost
(including recoveries)
FY2016 1HFY17 (Annualized)Basis
points
(bps)
Overall Credit Cost (bps)
Effective
Risk Management

12. a) Total Capital Ratio stabilised to 16.8%, after
redemption of RM600 million Tier-2
Subordinated Notes on 8 April 2016.
b) Strong CET-1 ratio at 12.2%, after retained
earnings and regulatory reserve provision^
c) Capital ratios to remain stable with focus on
risk adjusted returns on loans and client based
fee income
Capital Ratios
(after proposed dividends)
CET 1
Capital
Ratio
Tier 1
Capital
Ratio
Total
Capital
Ratio
Alliance Financial Group 12.2% 12.2% 16.8%
Alliance Bank 11.3% 11.3% 15.4%
14.6%
13.7% 13.0%
17.4% 16.8%
Mar-13 Mar-14 Mar-15 Mar-16 Sep-16
Notes:
^ Regulatory Reserve provision amounting to RM166.1 million (CET1 impact: -0.5%)
* Basel III regulatory minimum for 2016 includes capital conservation buffer amounting to 0.625%
11
Sustainable capital ratios
Total Capital Ratio (%)
Effective
Risk Management

13. Competitive ROE with Better Risk Adjusted Return strategy
a) Steady q-o-q performance despite
challenging environment with Risk Adjusted
Return strategy:
 NPAT : +0.1% to RM132.6 million
 ROE : 10.7%
b) Maintain ROE above the industry average
12
Net Profit After Tax and Return on Equity
Key Results
Note: Industry ROE is the average of local banks
^ Average of each banks’ June 2015 and September 2015 quarters ROE
134.7 135.6 129.8 132.5 132.6
256.6 265.1
11.7% 11.6%
11.0% 11.0% 10.7%
11.5%
10.9%
10.4% 10.1% 9.6% 9.3%
10.7%^
2QFY16 3QFY16 4QFY16 1QFY17 2QFY17 1HFY16 1HFY17
NPAT
Return on Equity (AFG)
Return on Equity (Industry)
RM mil

14. Enhanced shareholder value, dividend payout ratio at 50% (1HFY17)
Key Results
a) Shareholder value (y-o-y):
 Earnings per share (EPS) : +0.6 sen
 Net assets per share : +29 sen
b) Dividends:
 First interim dividend of 8.5 sen per share
 Dividend payout ratio of 50%
c) Stable capital ratios support dividend policy
13
114.3 136.9 122.0
122.0 131.6
174.7 97.5 99.1
289.0
234.4 221.1
51%
45% 43%
48% 50%
FY2014 # FY2015 FY2016 1HFY16 1HFY17 ^
1st Interim 2nd Interim Dividend Payout RatioRM mil
Dividend Paid and Payout Ratio
Notes:
# Excluding special dividend of 10.5 sen or Rm159.2 mil paid on 26 June 2014
^ Including 1st interim dividend of 8.5 sen per share
Net Assets and Earnings per share
2.69 2.90 3.13 2.98 3.27
37.1 34.8 34.2
16.8 17.4
FY2014 FY2015 FY2016 1HFY16 1HFY17
Net Assets per share (RM) EPS (sen)
RM

15. 14
Revenue and
Profitability
1
2
3
 Efficient loans growth with improved Risk Adjusted Returns (“RAR”)
 Growing client based fee income
 Maintained cost to income ratio
 Better-than-industry asset quality, credit cost contained
 Maintaining optimal funding mix
 Deposits grew faster than industry, q-o-q NIM maintained
 Sustainable capital ratios
Focus on sustainable profitability
Effective Risk
Management
Key Results
 Net profit after tax: +0.1% q-o-q to RM132.6 million
 Interim dividend of 8.5 sen (50% payout ratio)
Summary

16. Executive Summary
 Growth: Revenue and Profitability
 Effective Risk Management
 Key Results
Contents
Going Forward
 FY17: Priorities and Targets
2
1
Appendix - Financial Results:
 2Q FY2017
 1H FY2017
3

17. Going
Forward
FY17: Priorities and Targets
16
 Efficient asset growth: focus on better Risk Adjusted
Return loans
 Deposits growth faster than loans
 Continue to strengthen risk management
 Streamline key processes to improve efficiency
 Joint collaboration between Lines of Business
 Embark on transformation program
 Deploy new innovative propositions
FY17 Priorities
Maximize Franchise Linkages2
Execution of New Strategy3
Optimization and Streamlining1
FY17 Management Guidance
Maintain NIM
Mid-to-high single digit loans growth
Cost to Income ratio <50%
Net credit cost 25-30 bps
ROE around 11%
Maintain dividend payout policy

18. Executive Summary
 Growth: Revenue and Profitability
 Effective Risk Management
 Key Results
Contents
Going Forward
 FY17: Priorities and Targets
2
1
Appendix - Financial Results:
 2Q FY2017
 1H FY2017
3

19. Net profit after tax: RM132.6 million
Key Highlights Q-o-Q:
Financial Performance
361.2 352.7 363.8 359.7
3QFY16 4QFY16 1QFY17 2QFY17
RM mil
Revenue
135.6 129.8 132.5 132.6
3QFY16 4QFY16 1QFY17 2QFY17
RM mil
Net Profit
Net Interest Income &
Islamic Banking Income
175.0 180.6 169.1 167.3
48.4% 51.2% 46.5% 46.5%
3QFY16 4QFY16 1QFY17 2QFY17
RM mil
Operating Expenses & CIR Ratio
4.7
0.2
19.3
16.8
3QFY16 4QFY16 1QFY17 2QFY17
RM mil
Credit Cost
279.0 272.4 279.4 282.7
3QFY16 4QFY16 1QFY17 2QFY17
RM mil
18
3Q FY16 4Q FY16 1Q FY17 2Q FY17
IA & CA 12.4 8.7 20.2 19.9
Others 3.4 0.6 7.1 5.6
Recovery (11.1) (9.1) (8.0) (8.7)
69.7 67.1 73.6 73.5
12.4 13.2
10.8 3.5
82.1 80.3 84.4 77.0
23.8% 23.8% 24.2% 22.6%
3QFY16 4QFY16 1QFY17 2QFY17
Client Based Non Client Based NOII Ratio
Non Interest Income &
NOII Ratio
RM mil

20. 2Q FY2017:
Income Statement
Income Statement
1QFY17
RM mil
2QFY17
RM mil
Q-o-Q Change
Better / (Worse)
RM mil %
Net Interest Income 212.1 204.2
2.7 1.0%
Islamic Net Financing
Income
63.7 74.3
Islamic Non-Interest
Income
3.6 4.2
(6.8) (7.7%)
Non-Interest Income 84.4 77.0
Net Income * 363.8 359.7 (4.1) (1.1%)
Operating Expenses 169.1 167.3 1.8 1.0%
Pre-Provision Operating
Profit
194.7 192.4 (2.3) (1.2%)
Net Credit Cost ^ 19.3 16.8 2.5 13.1%
Pre-tax profit 175.4 175.6 0.2 0.1%
Net Profit After Tax 132.5 132.6 0.1 0.1%
 Net income declined by 1.1% q-o-q, due to:
 +1.0% rise in net interest income⁺ (mainly
impact of OPR cut, offset by RAR strategy)
 -7.7% drop in non-interest income⁺
 Client based fee income grew by RM0.7 million
or 0.9% q-o-q due to higher trade fees (+3.9%)
and banking services fees (+7.2%)
 Non client based non-interest income declined
by RM7.5 million mainly due to lower treasury
income from derivatives and foreign exchange,
and lower dividend income
 Operating expenses reduced by RM1.8 million or
1.0% q-o-q mainly due to lower personnel cost
and marketing expenses
 Lower credit cost due to lower individual
assessment allowance and higher recoveries
19
Notes:
* Revenue
^ Allowance/ (Write back) for losses on loans & financing and other losses
⁺ Inclusive of Islamic Banking Income

21. 1HFY2017 net profit after tax up 3.3%
Key Highlights Y-o-Y:
Financial Performance
365.9 359.7
710.3 723.5
2QFY16 2QFY17 1HFY16 1HFY17
RM mil
Revenue
134.7 132.6
256.6 265.1
2QFY16 2QFY17 1HFY16 1HFY17
RM mil
Net Profit
Net Interest Income &
Islamic Banking Income
166.0 167.3
333.4 336.4
45.4% 46.5% 46.9% 46.5%
2QFY16 2QFY17 1HFY16 1HFY17
RM mil
Operating Expenses & CIR Ratio
19.3 16.8
35.6 36.2
2QFY16 2QFY17 1HFY16 1HFY17
RM mil
Credit Cost
274.2 282.7
540.5 562.1
2QFY16 2QFY17 1HFY16 1HFY17
RM mil
20
65.3 73.5
129.3 147.126.4 3.5
40.5 14.3
91.7 77.0
169.8 161.4
25.9%
22.6%
24.7% 23.4%
2QFY16 2QFY17 1HFY16 1HFY17
Client Based Non Client Based NOII Ratio
Non Interest Income &
NOII Ratio
RM mil
2Q FY16 2Q FY17 1H FY16 1H FY17
IA & CA 22.0 19.9 43.7 40.1
Others 6.1 5.6 9.5 12.8
Recovery (8.8) (8.7) (17.6) (16.7)

22. 2Q FY2017:
Income Statement
Income Statement
2QFY16
RM mil
2QFY17
RM mil
Y-o-Y Change
Better / (Worse)
RM mil %
Net Interest Income 213.1 204.2
7.3 2.7%
Islamic Net Financing
Income
58.1 74.3
Islamic Non-Interest
Income
3.0 4.2
(13.5) (14.3%)
Non-Interest Income 91.7 77.0
Net Income * 365.9 359.7 (6.2) (1.7%)
Operating Expenses 166.0 167.3 (1.3 ) (0.8%)
Pre-Provision Operating
Profit
199.9 192.4 (7.5) (3.8%)
Net Credit Cost ^ 19.3 16.8 2.5 12.7%
Pre-tax profit 180.6 175.6 (5.0) (2.8%)
Net Profit After Tax 134.7 132.6 (2.1) (1.5%)
21
 Net income declined by 1.7% y-o-y, due to:
 +2.7% rise in net interest income⁺ (mainly
impact of OPR cut, offset by RAR strategy)
 -14.3% drop in non-interest income⁺
 Client based fee income grew by RM9.4 million
or 13.7% y-o-y due to higher wealth management
fees (+23.3%), FX sales (+3.5%) and banking
services fees (+29.4%)
 Non client based non-interest income declined
by RM22.9 million mainly due to lower treasury
income from derivatives and foreign exchange
 Operating expenses increased by RM1.3 million
or 0.8% y-o-y mainly due to higher personnel cost
 Lower credit cost due to lower individual
assessment and collective assessment
allowances on loans and financing
Notes:
* Revenue
^ Allowance/ (Write back) for losses on loans & financing and other losses
⁺ Inclusive of Islamic Banking Income

23. Income Statement
1HFY16
RM mil
1HFY17
RM mil
Y-o-Y Change
Better / (Worse)
RM mil %
Net Interest Income 420.9 416.3
19.3 3.6%
Islamic Net Financing
Income
114.0 137.9
Islamic Non-Interest
Income
5.6 7.9
(6.1) (3.5%)
Non-Interest Income 169.8 161.4
Net Income * 710.3 723.5 13.2 1.9%
Operating Expenses 333.4 336.4 (3.0) (0.9%)
Pre-Provision Operating
Profit
376.9 387.1 10.2 2.7%
Credit Cost ^ 35.6 36.2 (0.6) (1.3%)
Pre-tax profit 341.3 351.0 9.7 2.8%
Net Profit After Tax 256.6 265.1 8.5 3.3%
22
1H FY2017:
Income Statement
 Net income grew by 1.9% y-o-y, driven by:
 +3.6% rise in net interest income⁺ (mainly
impact of OPR cut, offset by RAR strategy)
 -3.5% drop in non-interest income⁺
 Client based fee income grew by RM19.9 million
or 14.8% y-o-y due to higher wealth management
fees (+16.4%), FX sales (+11.1%), trade fees
(+9.4%) and banking services fees (+21.0%)
 Non client based non-interest income declined
by RM26.1 million mainly due to lower treasury
income from derivatives and foreign exchange
 Operating expenses increased by RM3.0 million
or 0.9% y-o-y mainly due to higher personnel cost
and IT investment
 Pre-provision operating profit improved by
2.7% y-o-y
 Higher credit cost due to lower recoveries
Notes:
* Revenue
^ Allowance/ (Write back) for losses on loans & financing and other losses
⁺ Inclusive of Islamic Banking Income

24. Q-o-Q Summarised
Balance Sheet
Balance Sheet
Jun 16
RM bil
Sep 16
RM bil
Change Q-o-Q
RM bil %
Total Assets 54.5 54.8 0.3 0.6%
Treasury Assets * 9.6 9.5 (0.1) (1.3%)
Net Loans 38.1 38.8 0.7 1.7%
Customer Deposits 44.9 46.2 1.3 2.9%
CASA Deposits 14.8 15.2 0.4 3.2%
Shareholders’ Funds 4.9 5.1 0.2 3.5%
Net Loans Growth (y-o-y) 3.1% 3.1%^
Customer Deposit Growth
(y-o-y)
2.3% 4.9%
Note:
Industry comparison from BNM Monthly Statistical Bulletin as at September 2016
* Treasury assets comprise financial assets (HFT, AFS & HTM), derivative financial assets & placements with Financial Institutions
^ Gross loans growth (y-o-y) = 3.0% (q-o-q: 1.7%)
 1.7% q-o-q net loans growth, with focus on
better risk adjusted return loans namely
SME, commercial and consumer unsecured
lending
 Better risk adjusted return loans grew at a
13.8% annualized rate, compared to a
contraction of -0.5% of lower risk adjusted
return loans
 SME loans growth of +4.5% q-o-q
 +2.9% q-o-q customer deposits growth,
better than industry growth of 0.3%
 CASA deposits increased at 3.2% q-o-q
despite intensified market competition for
deposits
 Loan to deposit ratio at 84.6% (industry:
89.4%)
23

25. YTD Summarised
Balance Sheet
Balance Sheet
Mar 16
RM bil
Sep 16
RM bil
Change YTD
RM bil %
Total Assets 55.6 54.8 (0.8) (1.5%)
Treasury Assets * 10.2 9.5 (0.7) (6.2%)
Net Loans 38.4 38.8 0.4 0.9%
Customer Deposits 46.0 46.2 0.2 0.4%
CASA Deposits 14.8 15.2 0.4 3.1%
Shareholders’ Funds 4.8 5.1 0.3 4.6%
Net Loans Growth (y-o-y) 5.0% 3.1%^
Customer Deposit Growth
(y-o-y)
3.2% 4.9%
Note:
Industry comparison from BNM Monthly Statistical Bulletin as at September 2016
* Treasury assets comprise financial assets (HFT, AFS & HTM), derivative financial assets & placements with Financial Institutions
^ Gross loans growth (y-o-y) = 3.0% (q-o-q: gross loan growth 1.7%)
 0.9% year-to-date (YTD) net loans growth,
with focus on better risk adjusted return
loans namely SME, commercial and
consumer unsecured lending
 Better risk adjusted return loans grew at a
13.8% annualized rate, compared to a
contraction of -0.5% of lower risk adjusted
return loans
 SME loans growth of +3.4% YTD
 +0.4% YTD customer deposits growth
 CASA deposits increased at 3.1% YTD
despite intensified market competition for
deposits
 Loan to deposit ratio at 84.6% (industry:
89.4%)
24

26. Balance Sheet
Sep 15
RM bil
Sep 16
RM bil
Change Y-o-Y
RM bil %
Total Assets 53.0 54.8 1.8 3.4%
Treasury Assets * 11.4 9.5 (1.9) (16.5%)
Net Loans 37.6 38.8 1.2 3.1%
Customer Deposits 44.1 46.2 2.1 4.9%
CASA Deposits 14.8 15.2 0.4 2.8%
Shareholders’ Funds 4.6 5.1 0.5 9.8%
Net Loans Growth (y-o-y) 10.2% 3.1%^
Customer Deposit Growth
(y-o-y)
8.1% 4.9%
Note:
Industry comparison from BNM Monthly Statistical Bulletin as at September 2016
* Treasury assets comprise financial assets (HFT, AFS & HTM), derivative financial assets & placements with Financial Institutions
^ Gross loans growth (y-o-y) = 3.0%
 3.1% y-o-y net loans growth, with focus on
better risk adjusted return loans namely
SME, commercial and consumer unsecured
lending
 Better risk adjusted return loans grew at a
13.8% annualized rate, compared to a
contraction of -0.5% of lower risk adjusted
return loans
 SME loans growth of +14.0% y-o-y
 +4.9% y-o-y customer deposits growth,
better than industry growth rate of 1.3%
 CASA deposits increased at 2.8% y-o-y
despite intensified market competition for
deposits
 Loan to deposit ratio at 84.6% (industry:
89.4%)
25
Y-o-Y Summarised
Balance Sheet

27. Key Financial Ratios
Financial Ratios 2QFY16 1QFY17 2QFY17 1HFY16 1HFY17
Shareholder Value
Return on Equity 11.7% 11.0% 10.7% 11.5% 10.9%
Earnings per Share 8.8sen 8.7sen 8.7sen 16.8sen 17.4sen
Net Assets per Share RM2.98 RM3.16 RM3.27 RM2.98 RM3.27
Efficiency
Net Interest Margin 2.19% 2.22% 2.22% 2.17% 2.22%
Non-Interest Income Ratio 25.9% 24.2% 22.6% 24.7% 23.4%
Cost to Income Ratio 45.4% 46.5% 46.5% 46.9% 46.5%
Balance Sheet
Growth
Net Loans (RM bil) 37.6 38.1 38.8 37.6 38.8
Customer Deposits (RM bil) 44.1 44.9 46.2 44.1 46.2
Asset Quality
Gross Impaired Loans Ratio 1.1% 1.2% 0.9% 1.1% 0.9%
Net Impaired Loans Ratio 0.7% 0.7% 0.5% 0.7% 0.5%
Loan Loss Coverage Ratio ^ 92.7% 119.2%^ 147.0%^ 92.7% 147.0%^
Liquidity
CASA Ratio 33.6% 32.9% 32.9% 33.6% 32.9%
Loan to Deposit Ratio 86.2% 85.7% 84.6% 86.2% 84.6%
Loan to Fund Ratio 85.0% 82.5% 81.5% 82.5% 81.5%
Capital
Common Equity Tier 1 Capital
Ratio
11.7% 11.7% 12.2% 11.7% 12.2%
Tier 1 Capital Ratio 11.7% 11.7% 12.2% 11.7% 12.2%
Total Capital Ratio 13.6% 16.3% 16.8% 13.6% 16.8%
Note:
^ Loan Loss Coverage includes Regulatory Reserve provision; excluding Regulatory Reserve, 101.9% at 2QFY17 or 1HFY17 (vs 83.9% at 1QFY17)
Loan to Fund Ratio is based on Funds comprising Customer Deposits and all debt instruments (such as senior debt, Cagamas and subordinated debt) 26

28. Alliance Financial Group
31th Floor, Menara Multi-Purpose
Capital Square
No. 8, Jalan Munshi Abdullah
50100 Kuala Lumpur, Malaysia
Tel: (6)03-2604 3333
www.alliancefg.com/quarterlyresults
THANK YOU
Disclaimer: This presentation has been prepared by Alliance Financial Group (the “Company”) for information purposes only and does not purport to contain all the
information that may be required to evaluate the Company or its financial position. No representation or warranty, expressed or implied, is given by or on behalf of the
Company as to the accuracy or completeness of the information or opinions contained in this presentation.
This presentation does not constitute or form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor should it or any part of it
form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever.
The Company does not accept any liability whatsoever for any loss howsoever arising from any use of this presentation or its contents or otherwise arising in
connection therewith.
For further information, please contact: Investor Relations
Email: investor_relations@alliancefg.com