Q1FY23 Results - Investor Presentation
Loans
| Modest loans growth with good corporate loans pipeline visibility in Q2
Gross Loans Movement (RM' bil)
Breakdown by rate sensitivity:
Fixed rate 20%
Variable rate -80%
Breakdown by concept:
Islamic - 33%
Conventional - 67%
Breakdown by customers' type:
Retail -56%
ROA¹:
1.00%
ROTA¹:
1.00%
Non-retail 44%
YTD Growth
(2%)
(4%)
2%
2%
1%
(1%)
1%
1%
5%
Composition
13%
12%
2%
16%
36%
10%
2%
4%
5%
0.1
0.3
120.0
0.3
0.6
22
0.3
0.5
0.2
Q1FY23
FY22
FY21
Gross loans trend (RM'bil)
YTD Growth Industry
120.1
=2
1%2
120.0
112.7
6%
5%³
▲ 5%
4%3
≈2
100%
120.1
FY22
MidCorp
Large Corp &
Others
Investment
Banking
Business Banking
Mortgage
Auto Finance Cards & Personal
Financing
Retail SME
COOP & ASB
Q1FY23
Financing
Wholesale
(3%)
Retail 1%
723
1.
Annualised
2.
Based on BNM data from end Mar'22 to end June'22
3.
Based on BNM data and in accordance with AMMB's financial period
Positive growth in Q1FY23
Contraction in Q1FY23
AmBank Group
Q1FY23 Results - Investor Presentation
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