Q1FY23 Results - Investor Presentation
Asset Quality
| Impairments
Net Impairment / (Writebacks) and GIL Ratio
1.
Total impairments by category (RM' mil)
Q1FY22
Q2FY22
Q3FY22
Q4FY22
Q1FY23
QoQ Change
YoY Change
ECL Stage 1 & 2 / CP - Non defaulted
ECL Stage 3/CP - Defaulted
Individual Provisions
Recoveries
122
124
(56)
(561)
(6)
(99%)
(>100%)
118
85
98
557
125
(78%)
6%
12
21
304
3
12
>100%
(1%)
(57)
(61)
(48)
(74)
(71)
4%
(24%)
Other Provisions¹
8
5
40
127
4
(97%)
(51%)
Total net impairments
203
174
338
51
64
24%
(69%)
Total impairments by divisions (RM' mil)
Q1FY22
Q2FY22
Q3FY22
Q4FY22
Q1FY23
QoQ Change
YoY Change
Wholesale Banking
68
101
258
586
(21)
(>100%)
(>100%)
Investment Banking
(2)
(8)
(0)
(2)
(0)
86%
86%
Retail Banking
Business Banking
Group Funding & Others
General Insurance
Total net impairment
42
(5)
43
77
38
(51%)
(11%)
22
52
(1)
(29)
19
>100%
(14%)
72
32
39
(578)
30
>100%
(58%)
(0)
1
(1)
(2)
(2)
(9%)
(>100%)
203
174
338
51
64
24%
(69%)
GIL Ratio
Q1FY22
Q2FY22 Q3FY22
Q4FY22
Q1FY23
QoQ Change
YoY Change
Wholesale Banking
2.08%
1.84%
1.98%
1.66%
1.34%
(0.32%)
(0.74%)
Investment Banking
0.02%
0.01%
0.01%
0.00%
0.00%
N/A
(0.02%)
Retail Banking
1.34%
1.30%
1.12%
1.31%
1.71%
0.40%
0.37%
Business Banking
1.90%
1.66%
1.44%
1.42%
1.47%
0.05%
(0.43%)
Group
1.59%
1.47%
1.37%
1.40%
1.55%
0.15%
(0.04%)
Industry
1.62%
1.57%
1.44%
1.55%
1.65%
0.10%
0.03%
Includes trade & sundry debtors and provision for contingencies
AmBank Group
Q1FY23 Results - Investor Presentation
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