FY23 Results - Investor Presentation
Financial Overview (Reported)
FY23 Performance summary - Balance Sheet (Reported)
Balance Sheet (RM' bil)
Q3FY23
Q4FY23
QoQ Change
FY22
FY23
YoY Change
Gross Loans
126.3
130.2
3%
120.0
130.2
9%
GIL
1.62%
1.46%
(0.16%)
1.40%
1.46%
0.06%
LLC (with Reg Reserves)
116.7%
127.7%
11.0%
139.2%
127.7%
(11.6%)
LLC (without Reg Reserves)
107.6%
116.5%
8.9%
133.1%
116.5%
(16.6%)
Customer Deposits
124.3
130.3
5%
122.6
130.3
6%
CASA
40.0
48.8
22%
43.1
48.8
13%
Capital Indicators (without TA)
Q3FY23
Q4FY231
QoQ Change
FY221
FY231
YoY Change
FHC CET1
12.30%
12.10%
(0.20%)
11.65%
12.10%
0.45%
FHC Tier 1
12.30%
12.10%
(0.20%)
11.65%
12.10%
0.45%
FHC Total Capital
15.78%
15.47%
(0.31%)
15.18%
15.47%
0.29%
Liquidity Ratios
Q3FY23
Q4FY23
QoQ Change
FY22
FY23
YoY Change
FHC LCR
141.0%
149.2%
8.2%
158.5%
149.2%
(9.3%)
LDR²
97.4%
95.2%
(2.2%)
93.4%
95.2%
1.8%
LTAF³
86.3%
84.4%
(1.9%)
82.6%
84.4%
1.8%
1.
After deducting proposed dividend
2.
3.
Loan-to-Deposit (LDR) refers to Gross Loans divided by Deposits (comprised Deposits from Customers and Deposits from Financial Institutions (banks & non-banks), excluding Interbank Borrowings)
Loan-to-Available-Funds ratio (LTAF) refers to gross loans (excluding financing funded by Islamic Investment Accounts and loans sold to Cagamas) divided by deposits plus borrowings and sub debt
AmBank Group
FY23 Results - Investor Presentation
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