9MFY2020 Results - Investor Presentation
Asset Quality
| Impairments
Net Impairment / (Writebacks) and GIL Ratio
Total impairments by category (RM' mil)
ECL Stage 1 & 2 / CP - Non defaulted¹
ECL Stage 3/CP - Defaulted
Individual Provisions
Recoveries
Other Provisions²
Total net impairments / (writeback)
Q1FY19 Q2FY19
Q3FY19
Q4FY19
Q1FY20
Q2FY20
Q3FY20
QoQ Change
9MFY19
9MFY20
YoY Change
(71)
50
(14)
(128)
(38)
(29)
24%
(30)
(195)
>100%
136
144
138
131
163
182
132
28%
418
477
14%
46
34
(17)
(17)
9
123
44
64%
63
177
>100%
(117)
(134)
(215)
(371)
(93)
(120)
(77)
36%
(466)
(290)
38%
13
(24)
(7)
1
15
(37)
(13)
64%
(18)
(35)
93%
7
11
(51)
(270)
(32)
109
57
48%
(33)
134
>100%
Total impairments by divisions (RM' mil)
Q1FY19 Q2FY19
Q3FY19
Q4FY19
Q1FY20
Q2FY20
Q3FY20
QoQ Change
9MFY19
9MFY20
YoY Change
Wholesale Banking
(39)
(12)
(142)
(32)
(106)
48
1
98%
(193)
(58)
70%
Investment Banking
1
(1)
(1)
(0)
1
>100%
(7)
26%
Retail Banking
42
19
51
(251)
59
37
49
34%
112
145
30%
Business Banking
2
1
12
16
14
27
21
21%
15
62
>100%
Group Funding & Others
5
3
32
(3)
(1)
(1)
(4)
>100%
40
(6)
>100%
General Insurance
2
(1)
(2)
0
2
(2)
(2)
15%
(2)
(2)
22%
Total net impairment / (writeback)
7
11
(51)
(270)
(32)
109
57
48%
(33)
134
>100%
GIL Ratio (%)
Q1FY19 Q2FY19 Q3FY19
Q4FY19 Q1FY20
Q2FY20
Q3FY20
QoQ Change
YoY Change
Wholesale Banking
2.54%
2.27%
2.18%
2.01%
1.90%
2.06%
1.77%
29bps
41bps
Investment Banking
0.12%
0.12%
0.13%
0.10%
0.11%
0.11%
0.11%
2bps
Retail Banking
Business Banking
Group
Industry
1.26%
1.32%
1.32%
1.28%
1.44%
1.51%
1.54%
3bps
22bps
2.41%
2.53%
1.68%
2.18%
2.39%
2.52%
2.73%
21bps
105bps
1.77%
1.72%
1.62%
1.59%
1.66%
1.77%
1.71%
6bps
9bps
1.59%
1.53%
1.45%
1.48%
1.57%
1.61%
1.51%
10bps
6bps
1. Includes macro provision
2.
Includes foreclosed property, trade & sundry debtors and provision for contingencies
AmBank Group
9MFY2020 Results - Investor Presentation
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