H1FY24 Results - Investor Presentation
NIM
| NIM compression moderating
Net Interest Margin (NIM) Movement (QoQ)
bps
176
Q1FY24
Reported
0.7
Divisions
(1.6)
(0.1)
(0.6)
1.5
Funding + Deposits
YoY NIM
H1FY24:
Reported: 1.79% (
H1FY23:
(38bps))
Reported: 2.17%
0.9
6.1
Reported:
▲ 6bps
182
Retail
Banking
Wholesale Banking Investment Banking
Business
Banking
Asset mix
Interbank/Group
Funding
Deposits
Q2FY24
Reported
Positive growth in Q2FY24
NIM Trend
Contraction in Q2FY24
Gross Yield
3.72%
3.68%
3.73%
COF
3.65%
NIM
4.87%
4.49%
4.62%
4.70%
4.07%
3.80%
3.13%
3.24%
2.97%
2.55%
2.08%
2.03%
2.09%
2.00%
2.12%
2.15%
1.82%
2.12%
2.13%
1.84%
1.84%
1.82%
1.84%
1.86%
1.84%
1.76%
Q1FY22
Q2FY22
Q3FY22
%
(Jun 2021)
(Sep 2021)
(Dec 2021)
Q4FY22
(Mar 2022)
Q1FY23
Q2FY23
(Jun 2022)
(Sep 2022)
Q3FY23
(Dec 2022)
Q4FY23
(Mar 2023)
Q1FY24
(Jun 2023)
Q2FY24
(Sep 2023)
Net interest
spread
1.88
1.84
1.90
1.81
1.94
1.92
1.94
1.65
1.57
1.63
OPR
1.75
1.75
AmBank Group
H1FY24 Results - Investor Presentation
1.75
1.75
2.00
2.50
2.75
2.75
3.00
3.00
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