Investor Presentaiton
Retail Banking (Reported)
| Retail Banking
Income Statement
YoY Growth
13%
(2%)
11%
8%
13%
>100%
(17%)
(16%)
(18%)
RM' mil
Net Interest
Income
Non-Interest
Income
Total Income
Expenses
PBP
Impairment
PBT
Tax
PAT
H1FY23
804
122
926
(445)
481
(159)
322
(77)
245
H1FY22
713
124
837
(411)
426
(38)
389
(92)
297
H1FY23 PAT
H1FY22 PAT
Positive growth in H1FY23
Contraction in H1FY23
Balance Sheet (RM' mil/%)
Key Ratios
FY22
H1FY23
YTD Change
FY22
H1FY23
YTD Change
Gross Loans/Financing
68,396
70,262
3%
GIL Ratio
1.31%
1.82%
0.51%
Gross Impaired Loans
893
1,276
43%
CTI
50.2%
48.0%
(2.2%)
Customer Deposits
53,814
56,682
5%
Loan Loss Coverage
126.9%
95.6%
(31.3%)
CASA
20,076
18,574
(7%)
ROA¹
0.78%
0.71%
(0.07%)
CASA mix
37.3%
32.8%
(4.5%)
Average AUM
2,779
2,446
(12%)
(Wealth Management)
1.
Annualised
AmBank Group
H1FY23 Results - Investor Presentation
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