FY22 Results - Investor Presentation
Financial Overview
| Q4FY22 Financial overview
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Capital, Liquidity and Funding
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Adequate loss absorption capacity
Resumed dividends, 5.0 sen per share, dividend payout ratio of 11%
After proposed dividends, CET1 at 12.20%; without Transitional Arrangements, CET1 at 11.65%
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Highly liquid (FHC LCR of 158.5%, LDR 97.9%)
Q4FY22 Results (QoQ)
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Income of RM1,123mil
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NII of RM812mil, down by 4%. NIM of 2.00% (Q3FY22: 2.09%)
Noll at RM311mil, down 8% due to lower trading and investment income
Expenses up 5% to RM557mil, CTI at 49.6% (Q3FY22: 44.7%)
PBP down 14% to RM566mil
Net impairment charge of RM51mil (Q3FY22: RM337mil). Forward looking and central overlay
provision reversals offsetting net provisions charge for specific Oil & Gas exposures of RM325mil
Total overlay reserves carried forward RM394mil (Retail: RM363mil, Business Banking: RM31mil)
Q4FY22 PATMI of RM392mil, with annualised ROE of 9.5%
AmBank Group
FY22 Results - Investor Presentation
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