- The document is an investor presentation summarizing the bank's 9 month FY2013 financial results. - Key highlights include steady year-over-year growth in net income and profits, driven by higher loan growth. However, net interest margins remain under pressure from competition. - Non-interest income increased due to growth in recurring fee income from various business lines. Operating expenses grew due to investments in personnel and IT infrastructure. - Asset quality improved with lower impaired loans ratios, despite double digit loan growth.

1. INVESTOR PRESENTATION
9 Months FY2013 Results
20 February 2013

2. Contents
1 Executive Summary
2 Financial Results for 9 Months FY2013
- Income Statement
- Balance Sheet
1

3. FY2013:
Business Model
“To Be The Best Customer Service Bank, Delivering Consistent and
Sustainable Financial Performance”
Line of Business
Consumer Business Financial Investment Transaction & Alternate Islamic
Banking Banking Markets Banking Banking Banking
Strategy
Revenue: Driving Fee Income through Cross-Selling ROE; CIR 
Major Products
CONSUMER BANKING BUSINESS BANKING
• SME
• Mortgage Loans
• Wholesale • Wealth Management
• Credit Cards
• Transaction • Bancassurance
• Personal Loans Banking
• Advisory
• Hire Purchase • Cash Management
• Trade Finance • Stock broking
• Deposits
• Treasury Sales
• Investment Banking
New Growth
Existing Opportunities Existing Opportunities Opportunities
2

4. Progress:
Medium Term Targets
We are making good progress against our 3-Year Medium Term Targets FY2012 – FY2015
FY2011* 9MFY2013
Asset
Quality … gross impaired loans to be better than industry average 3.3% 2.1%
Non-Interest
Income Ratio … to increase non-interest income to 30% of total revenue
20.8% 27.2%
… move to industry average (45% - 48%) through:
Cost to Income
• targeted revenue growth 48.3% 47.8%
Ratio
• improved productivity
… achieve industry average (14% - 16%) through:
Return on
Equity • focus on underlying earnings momentum 13.0% 13.6%
• effective capital management
Dividend … pay up to 50% of net profits after tax, subject to 7.00 16.60
Dividend
Policy regulatory approvals and strong capital ratios
Policy sen sen
3
Note: * Figures have not been restated for MFRS139

5. Key Financial Ratios
Improving Financial Performance, with Key Metrics in the Right Direction
Return on Equity Non-Interest Income Ratio
15% 14.0% 28% 27.0% 27.2%
13.6%
13.0%
26%
10.5%
10% 24%
8.6%
22.4% 22.4%
22% 20.8%
5% 20%
FY2009 FY2010 FY2011 FY2012 9MFY2013 FY2009 FY2010 FY2011 FY2012 9MFY2013
CASA Ratio Cost-to-Income Ratio
55%
45% 53.0%
41.5% 52.1%
40% 38.3%
50% 48.3%
34.0% 47.6% 47.8%
33.0% 33.7%
35%
30% 45%
FY2009 FY2010 FY2011 FY2012 9MFY2013 FY2009 FY2010 FY2011 FY2012 9MFY2013
FY2012 restated for MFRS139
4

6. Summarised
Income Statement
We Continue to Maintain Steady Y-O-Y NPAT growth
Change
9M FY13 9M FY12 RM  Sustained y-o-y gross loans
RM mil RM mil % growth of 12.3% and
mil
expansion of business
Net Interest & Islamic activities driving net interest
727.9 698.7 29.2 +4.2%
Banking Income and non-interest income
Non-Interest Income 250.1 231.7 18.4 +7.9% growth
Net Income 978.0 930.4 47.6 +5.1%  Interest margins remain under
Operating Expenses 467.6 435.2 32.4 +7.4% pressure
Operating Profit 510.4 495.2 15.2 +3.1%  Increase in overheads
Write-back of loans and expenses mainly due to
29.2 16.7 12.5 +75.2% personnel cost, and
impairment provisions
investments in human capital
Pre-tax profit* 535.7 510.6 25.1 +4.9% and IT infrastructure
Net Profit After Taxation 399.3 380.6 18.7 +4.9%
 Lower loan impairment
Non-Interest Income Ratio 27.2% 26.3% +0.9% allowances despite double
Cost to Income Ratio 47.8% 46.8% +1.0% digit loans growth due to
improvement in asset quality
Return on Equity 13.6% 14.0% -0.4%
Earnings per Share 26.2 sen 24.9 sen +5.2% * Include share of results of associate companies
5

7. 3QFY13:
Key Financial Ratios
Sustainable Net Loans Growth at 12.9%, with continued improvement in Asset Quality
 12.9% y-o-y above
9M FY13 9M FY12 Change industry net loans
(Restated) growth – targeting
profitable consumer
Balance Sheet & Asset Quality
and SME segments
Net Loans Growth (y-o-y) 12.9% 12.5% +0.4%  1.2% net impaired
loans ratio, with
Gross Impaired Loans Ratio 2.1% 2.6% -0.5%
proactive & disciplined
Net Impaired Loans Ratio 1.2% 1.4% -0.2% credit risk management
 Improvement in CASA
Loan Loss Coverage Ratio 83.8% 88.8% -5.0%
ratio as Group
Customer Deposits Growth (y-o-y) 2.2% 9.1% -6.9% continued to focus on
transaction banking
Liquidity & Capital Ratio
 86.7% loans to
CASA Ratio 38.3% 35.6% +2.7% deposits ratio, raised to
industry average, for
Loan to Deposit Ratio 86.7% 78.9% +7.8% efficient balance sheet
management
Risk Weighted Capital Ratio 14.88% 15.18% - 0.30%
 14.88% Risk Weighted
Core Capital Ratio 11.88% 11.36% + 0.52% Capital Ratio – well
capitalised to support
future balance sheet
Note: Restated for MFRS, where applicable
expansion
6

8. Contents
1 Executive Summary
2 Financial Results for 9 Months FY2013
- Income Statement
7

9. Net Income
Steady growth in net income driven by higher loans growth
RM mil Net Income
Net Income Trend +RM47.6 m or 5.1%
1400 RM mil
1000.0 978.0
1300 1,244.3 930.4
1200 900.0 858.2
1,128.7
1100 1,064.5 800.0
1000
978.0 700.0
930.4
900 600.0
800
500.0
700
400.0
9MFY11 9MFY12 9MFY13
600
500  Net income growth of RM47.6 million or 5.1%
400 driven by:
300  +RM74.4 million growth in interest income
primarily from loans growth;
200
FY2010 FY2011 FY2012* 9MFY2012 9MFY2013 but offset by
 +RM36.1 million rise in interest expense from
expansion in deposits
Note: * Restated for MFRS 8

10. Net Interest Margin
Net Interest Margin Continue To Be Under Pressure
NIM and Cost of Funds Trend  Continuing margin compression due to:
NIM COF
 New mortgage loans at lower yield
3.0%
 Run-off of high yielding Co-op loans –
2.8%
down from RM1,023 million at March
2.7% 2.7%
2.7%
2011 to RM554 million at end-December
2012
2.5% 2.5% 2.5% 2.5%
 Intensified competition for loans and
2.4% 2.5% deposits
 Margin pressure partially offset by rise in
2.3% 2.3% 2.3% 2.3% loans to deposits ratio from 77.7% at March
2.1% 2012 to 86.7% in December 2012
2.1%
1.8% 1.9% Effective OPR SRR
June 2010 2.50% 1%
1.5% July 2010 2.75% 1%
FY2009 FY2010 FY2011 FY2012 1QFY2013 2QFY2013 3QFY2013
April 2011 2.75% 2%
May 2011 3.00% 3%
July 2011 3.00% 4%
9

11. Non-Interest Income
Non-Interest Income Ratio at 27.2%, with growth in recurring fee income
Non-Interest Income Trend
RM mil Non-Interest Income NII/ Total Income
 Continue to build recurring non-interest
27.2%
30% income from transaction banking, treasury
27.0%
400 sales, wealth management and trade
finance
25%
22.4%
22.4% 20.8% 320.2  YTD non-interest income includes non-
300
20%
recurring RM5.8 million gain on sale of
250.1 building in 2Q FY2013
235.0 233.2 225.7
15%
200
10%
100
5%
0 0%
FY2009 FY2010 FY2011 FY2012 9MFY2013
Note :* Restated for MFRS 10

12. Non-Interest Income
8.3% Growth in Recurring Fee Income; and track record of sustainable Investment Income
Composition of Non- Y-o-Y Growth
RM mil Interest Income RM mil Fee Income Investment Income Other Income
300.0
Fee Income Investment Income Other Income +RM18.4 m or 7.9%
100.0
250.1
86.9 250.0 231.7
82.4 80.8 21.1
80.0 10.1 14.8
6.9 4.1
200.0 173.5
+2.1% 98.7
60.0 33.2 35.2 30.3 10.0 96.7
150.0 +94.7%
49.7
40.0
100.0
51.3% 47.9% 57.4% +5.7%
+8.3%
46.4 120.2 130.3
20.0 42.3 41.6 50.0 113.8
0.0
0.0
1QFY13 2QFY13 3QFY13 9MFY11 9MFY12 9MFY13
 Steady growth in fee income, especially commissions from transaction banking and foreign exchange
 In FY2013, despite flatter yield curve, sustained investment income from trading in securities
Note: Investment income is inclusive of realised and unrealised gain/loss reflected under other income, as this relates to treasury activities 11

13. Operating Expenses
Cost-to-income remains stable at 47.8%, similar level as FY2012
Operating expenses trend
RM mil Operating expenses CIR %
900 60
53.0% 52.1% OPEX 3Q FY13 3Q FY12 Variance
800 48.3% RM mil RM mil
47.6% 47.8% 50 RM mil %
700
Personnel costs 305.9 277.5 28.4 10.2%
591.8
600 559.4 554.6 544.9 40
Establishment 110.4 107.3 3.1 2.9%
500 467.6 costs
30
400 Marketing 13.9 13.5 0.4 3.3%
300 20
expenses
Administration 37.4 36.9 0.5 1.3%
200
10 expenses
100
Total 467.6 435.2 32.4 7.4%
0 0
FY2009 FY2010 FY2011 FY2012* 9MFY2013
Operating Cost 3Q FY13 3Q FY12  Increase in operating expenses mainly from
Contribution
business expansion, as Group continues to invest
Personnel 65.4% 63.7% in human capital and IT infrastructure
Establishment 23.6% 24.7%
Marketing 3.0% 3.1%
Administration 8.0% 8.5%
Note :* Restated for MFRS 12

14. Impairment Provisions
Net write back in provisions due to recoveries, despite double digit loans growth
Net Write-back/ (Allowance) of Loan Loss Coverage
RM mil Impairment Provision 87.7%
40.0 86.6% 86.4%
+RM12.5 m; 75.2%
29.2 83.8%
30.0
20.0 16.7
FY2012 1QFY13 2QFY13 3QFY13
10.0
 Net write back of impairment provisions during
quarter due to recoveries, despite setting aside
0.0
9MFY11 9MFY12 9MFY13
additional collective provisions for loans growth
 Drop in coverage due to recoveries
-10.0
RM’000 1Q FY13 2QFY13 3QFY13
Individual assessment (3,624) 13,121 3,200
-20.0
-20.8 Collective assessment (239) 398 3,354
Bad debts recovered (10,914) (28,983) (25,610)
Note: CLO recoveries amounted to RM0.5 million Bad debts written off 4,504 7,099 4,916
as at 9MFY13.
Net other allowances 1,487 1,315 1,239
Total charge / (write back) (8,786) (7,050) (12,901)
13

15. Profit
Consistent Growth in Profit – Net Profit After Tax up RM25.1 million or 4.9% Y-o-Y
Profit Before Tax Net Profit After Tax
RM mil
600 450
535.7 399.3
550
510.6 400 380.6
500
350 324.2
450
438.8
300
400
250
350
300 200
250 150
200
100
150
50
100
50 0
9MFY11 9MFY12* 9MFY13 9MFY11 9MFY12* 9MFY13
9MFY13 vs 9MFY12 9MFY13 vs 9MFY12
+ RM25.1mil + RM18.7 mil
+ 4.9% + 4.9%
14
Note * : Restated for MFRS

16. Enhance
Shareholder Value
Return on Equity stood at 13.6%, with Earnings per Share registering consistent y-o-y growth
%
Return on Equity (Net Profit After Tax) sen Earnings per share
16.0 40
33.0
14.0
14.0 13.6
13.0 30
26.7 26.2
12.0
19.7
20
10.5
14.9
10.0
8.6
10
8.0
6.0 0
FY2009 FY2010 FY2011 FY2012* 9MFY13 FY2009 FY2010 FY2011 FY2012* 9MFY13
Note :* Restated for MFRS 139 15

17. Enhance
Shareholder Value
Dividend Yield of 3.9% with Payment of 16.6 sen Interim Dividend in FY13
Dividend Yield Dividend Per Share
% sen
3.89 1st interim 2nd interim
4 3.70 20
3.42 16.60
3 15 13.30
2.22 2.21 10.00
2 10
7.00 7.70
6.25 6.40
1 5 3.70
3.75 5.10
5.60 6.60
2.50 3.30
0 0 1.30
FY2009 FY2010 FY2011 FY2012 FY2013 FY2009 FY2010 FY2011 FY2012* FY2013
% Dividend Payout Ratio RM million Dividends Paid
60 300
50.0
252.5
50 250
41.9
40.4 203.2
40 32.5 200
26.2
30 150
96.1 97.9 107.1
20 100
10
50
0
0
FY2009 FY2010 FY2011 FY2012* FY2013
FY2009 FY2010 FY2011 FY2012 FY2013
Note :* Restated for MFRS 139 16

18. Contents
1 Executive Summary
2 Financial Results for 9 Months FY2013
- Balance Sheet
17

19. Balance Sheet
Management
Effective Utilisation of Balance Sheet: Net loans constitute 65.9% of total assets
Total Assets Trend Composition of Total Assets
Net Loans Treasury Assets Other Assets
RM bil
9M FY2013 9M FY2012*
45.0
40.6 Other
39.7 38.7 Assets,
40.0
3.3 8.00% Other
36.1 3.7
Assets,
35.0 2.0 6.5 16.8%
31.8 31.7 Treasury
10.6 Assets,
Net Treasury Net
30.0 11.5 26.1%
6.3 4.8 Assets,
12.3 8.6 Loans, Loans,
65.9% 22.1% 61.1%
25.0
6.2
6.8
20.0
15.0
26.7
24.5 23.6
21.9
10.0
18.7
20.7  Total assets expanded by RM1.9 billion or 4.9%
Y-o-Y.
5.0
 65.9% in net loans
0.0  26.1% in treasury assets
FY2009 FY2010 FY2011 FY2012 9MFY2012* 9MFY2013
Note :* Restated for MFRS 139 18

20. Gross Loans
Gross Loans Growth Accelerated to 12.3% Y-o-Y, Driven By Consumer Lending
Gross loans, Advances and Financing Trend Loans Composition by Business Segments
RM bil
30 50.0% Consumer SME Wholesale
100%
18.4%
9.3% 11.5% 23.0% 22.5% 23.7% 24.2% 23.2%
4.8% 27.2 80%
25 0.0%
25.0 21.4% 20.7% 21.3% 21.9% 21.7%
24.2 60%
22.4
20 21.4 -50.0% 40%
19.6 55.6% 56.8% 55.0% 53.9% 55.1%
20%
15 -100.0% 0%
FY2009 FY2010 FY2011 FY2012 9MFY2012 9MFY2013 FY2009 FY2010 FY2011 FY2012 9MFY13
 Composition of gross loans:
9MFY13 vs 9MFY12 9MFY12 vs 9MFY11
 55.1% – Consumer
+ RM 3.0 bil + RM2.5 bil
+ 12.3% y-o-y + 11.5% y-o-y  21.7% – SME
 23.2% – Wholesale
 Minimal exposure to fixed rate lending – 10%
19
of total portfolio

21. Asset Quality
Continued Improvement In Asset Quality – Net Impaired Loans Ratio Down to 1.2%
RM mil Gross Impaired Loans (%) Net Impaired Loans
875.1 1.8
806.3
741.3 1.5
1.4 1.4
1.3
629.2 1.2 1.2
572.7
FY2009 FY2010 FY2011 FY2012 9MFY2013 1QFY12 2QFY12 3QFY12 4QFY12 1QFY13 2QFY13 3QFY13
Gross Impaired Loans Ratio Net Impaired Loans Ratio
FY2009 FY2010 FY2011 FY2012 9MFY2013 FY2009 FY2010 FY2011 FY2012 9MFY2013
4.5% 3.8% 3.3% 2.5% 2.1% 1.8% 1.8% 1.9% 1.4% 1.2%
Despite challenging external environment, further improvement in asset quality with
disciplined approach in credit risk management and collection processes 20

22. Loans Growth:
Residential & Commercial
Residential Properties expanded 18.1% Y-o-Y, above industry loans growth
Loans Growth for Residential Property Loans Growth for Commercial Property
RM bil
RM bil
14 32.9% 40.0% 5
+RM0.4 b; +12.5%
40.00%
+RM1.7 b; +18.1%
12.6% 20.0%
5 18.0%
12 8.8% 12.2% 20.00%
3.1% 4 5.9%
-2.3%
11.1 0.0%
4 0.00%
10 3.6
9.8 -20.0% 3 3.4 3.2 -20.00%
9.4
8 3
8.4 8.7 2.7 2.7 2.8
-40.0% -40.00%
7.7 2
6
-60.0% 2 -60.00%
4 1
-80.0% -80.00%
1
2 -100.0% 0 -100.00%
FY2009 FY2010 FY2011 FY2012 9MFY2012 9MFY2013 FY2009 FY2010 FY2011 FY2012 9MFY2012 9MFY2013
 Residential properties: + RM 1.7 billion or 18.1% y-o-y growth
 Commercial properties: + RM 0.4 billion or 12.5% y-o-y growth
 Focus on high growth areas i.e. Klang Valley, Penang and Johor
 Attractive loan packages for the right customer – first time house buyer, upgrader, refinancer and investor
 Strong sales force and marketing network 21

23. Loans Growth:
SME & Motor Vehicles
Lending for SMEs expanded 12.9% Y-o-Y; Revived Hire Purchase Business
Loans Growth for SME Loans Growth for Transport Vehicles
RM bil RM bil
7 +RM0.7b; +12.9% 20.0% 1
14.4% +RM0.1 b; +12.1%
6 8.0% 10.0% 1
5.9%
1.9% 5.9 1.2
5 5.5 1
5.2 0.0%
4
4.8
4.4 1 0.9
4.2 -10.0%
3 1 0.7 0.7
-20.0% 0.6 0.6
2 0
-30.0%
1 0
0 -40.0% 0
FY2009 FY2010 FY2011 FY2012 9MFY2012 9MFY2013 FY2009 FY2010 FY2011 FY2012 9MFY2012 9MFY2013
 SME Lending: + RM 0.7 billion or 12.9% y-o-y loans growth  Re-commenced hire purchase financing in
 Complete suite of lending and trade finance products that April 2012
addresses the transactional banking needs of business  Focus on new cars and non-national cars
customers, providing convenience and efficiency
 Lending for Transport Vehicles: +RM0.1
 Program lending approach to enable quick credit turn around billion or 12.1% y-o-y loans growth
time
 Proactive risk monitoring to maintain low loss rates 22

24. Composition
of Loans Portfolio
Well Diversified & Secured Loans Portfolio
Loans Composition by Economic Purposes
9MFY2013 9MFY2012
Purchase of Purchase of
residential Others residential
Others property property
8.6% 7.6%
40.8% 38.9%
Purchase of
Purchase of transport
transport Working Working
capital vehicles
vehicles Personal 2.4% Personal capital
2.4% use 22.4% 24.6%
Purchase of use
7.3% Purchase of 8.9%Purchase of
Purchase of securities
non- non-
securities 1.6% Credit card
residential 2.6% residential
3.0% Credit card
property property
2.3%
13.2% 13.4%
 Risk Management – well diversified and collateralised loan book
 40.8% of loans portfolio is for residential properties, up from 38.9% as at December 2012
 13.2% for non-residential properties
 22.4% for working capital
23

25. Composition of
Customer Deposits
Steady growth in CASA deposits to RM12.0 billion, accounts for 38.3% of total deposits
CASA trend
RM bil DD SA FD NID, MMD, SD
35
32.2 31.3
30  Total customer deposits of
28.3 5.7 3.7
RM31.3 billion as at
25.6 4.1 December 2012.
25 23.6
3.0
1.6  CASA deposits expanded
20
by RM1.2 billion in the 9
15.6
15.6 months FY2013.
14.6
12.2
15 14.1  38.3% of funding from
CASA
1.7
10 1.7  Reduced high cost money
1.7 1.6
1.6 12.0 market deposits
9.8 9.6 10.8
8.4
5
9.1 10.3
6.8 8.1 8.0
0
FY2009 FY2010 FY2011 FY2012 9MFY2013
24

26. Composition of
Customer Deposits
Strong Consumer Franchise – Individuals account for 51.1% of Total Deposits
Composition by Type of Deposits Composition by Customers
3QFY2013 3QFY2013
Negotiable Domestic
instruments of financial Others
deposits Structured Institutions 6.3%
3.6% deposits 3.6%
0.4% Govt. &
Money market statutory
deposits bodies
7.9% 4.8%
Demand deposits
32.9%
Business
enterprises Individuals
34.1% 51.1%
Fixed/ investment
deposits Saving deposits
49.8% 5.4%
 51.1% of total deposits from individuals, reflecting the strong consumer franchise
 34.1% of total deposits from business enterprises
 Fixed/Investment deposits stood at 49.8% as at December 2012
 Lower money market deposits is in line with the Treasury’s strategy in managing overall
Funding cost and liquidity 25

27. Customer Deposits
Loans to Deposits Ratio Raised to 86.7%
(%) Loans to Deposit Ratio Trend
95
90.6
90
86.7  FY2013 strategy to raise
85 82.8
loans to deposits ratio:
81.8  for more efficient balance
80 78.8 sheet management; and
77.7
75  to be in line with industry
70  Raised Loans to Deposit
Ratio to 86.7% as at
65
December 2012
60
55
50
FY2010 FY2011 FY2012 1QFY13 2QFY13 3QFY13
26

28. Capital
Management
Healthy RWCR at 14.88%, with Core Capital Ratio at 11.88%, well above Basel II requirements
Risk Weighted Capital Ratio Capital Adequacy by Legal Entities
16.09% Legal Entities Tier One Capital RWCR
15.40%
15.13%
14.88% ABMB 13.23% 13.23%
14.65%
AIS 12.72% 13.57%
AIBB 80.44% 80.67%
FY2009 FY2010 FY2011 FY2012* 9MFY2013
Core Capital Ratio Enhancement to capital ratios to be achieved by:
 Strong profit generation by maintaining stable asset
11.95% 11.88% 11.88% quality from Consumer & Business Banking
11.13% activities
10.30%  Focus on less capital intensive fee based and non-
interest income activities
FY2009 FY2010 FY2011 FY2012* 9MFY2013
Note :* Restated for MFRS 139 27

29. FY2013
Business Focus
FY2013 Business Plans focus on:
Our Aspirations How? Implemented in FY2013
Generate recurring revenue  Re-organised Business Banking for
To Build
from existing/new business, accelerated SME growth
“Consistent &
within our risk appetite  Re-commenced hire purchase business
Sustainable Financial
Performance”
Enhancing cost efficiency &
 Centralise functions and improve
productivity
processes via process re-engineering
Building infrastructure to  Upgraded internet banking platform
support operational & execution  Implemented new integrated MIS and
To Deliver
capabilities finance infrastructure
“Superior Customer
Service Experience”  Formulating branch distribution strategy
Delivering excellent customer to provide seamless customer service
service and experience across all customer touch points
Reinforcing governance and  Enhancing risk management framework
compliance oversight for ICAAP compliance
To Develop “Engaged  Launched new vision, mission and core
Employees with Right Reinforcing the right values & values
Values” inculcating a performance  Continue to build a strong performance
culture culture, to retain and attract best talent
28

30. What Is Ahead ……..
The Bank remains strong and well-
Challenges Ahead ……………….
positioned
 Systematic execution of strategy • NIMs to remain under pressure
 Build on existing strengths and niche position • Challenging external economic environment
in Consumer and Business Banking • Moderating economic growth
 Drive growth of non-interest income • Regulatory guidelines may impact consumer
• Transaction Banking loans growth
• Treasury Sales
• Bancassurance
• Wealth Management …… We will continue to exercise caution
 Enhance capabilities in risk management and vigilant risk management in face of
 Ensure impactful investments in IT and challenges ……………………
infrastructure
 Enhance productivity and efficiency
29

31. THANK YOU
Disclaimer: This presentation has been prepared by Alliance Financial Group Berhad (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:
Alliance Financial Group Berhad Amarjeet Kaur Sew Yin Yin
7th Floor, Menara Multi-Purpose Group Corporate Strategy & Development Group Corporate Strategy & Development
Capital Square Contact: (6)03-2604 3386 Contact: (6)03-2604 3385
No. 8, Jalan Munshi Abdullah Email: amarjeet@alliancefg.com Email: sewyinyin@alliancefg.com
50100 Kuala Lumpur, Malaysia
Tel: (6)03-2604 3333
www.alliancefg.com/Investor-Relations
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