FY22 Results - Investor Presentation
Loans
| Broad-based loans growth
Gross Loans Movement (RM' bil)
Breakdown by rate sensitivity:
Fixed rate 20%
Variable rate -80%
Breakdown by concept:
Islamic -33%
Breakdown by customers' type:
Retail -55%
ROA¹:
ROTA¹:
0.94%
0.95%
Conventional - 67%
Non-retail 45%
YTD Growth
11%
4%
1%
8%
7%
(4%)
1%
5%
27%
6%
Composition
13%
13%
1%
16%
36%
10%
2%
4%
5%
100%
1.2
2.7
0.0
0.2
1.5
0.5
0.6
1.6
0.0
112.72
FY22
FY21
FY20
Gross loans trend (RM'bil)
YTD Growth Industry
120.0
6%
5%³
112.7
▲ 5%
4%4
107.2
▲ 5%
4%4
120.0
FY21
MidCorp
Large Corp &
Others
Investment
Banking
Business Banking Mortgage
Auto Finance Cards & Personal
Financing
Retail SME
COOP & ASB
Financing
FY22
Wholesale A8%
Positive growth in FY22
Contraction in FY22
AmBank Group
FY22 Results - Investor Presentation
Retail 6%
1 2 3 4
1. Annualised
2.
3.
Reclassified unrated bonds/sukuk from loans to financial investments, with comparative figures restated accordingly
Based on BNM data from end Mar'21 to end Mar'22
4.
Based on BNM data and in accordance with AMMB's financial period
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