Investor Presentaiton
Financial Snapshot (Reported)
| H1FY23 Financial snapshot
H1FY23 Financials
Variance
2,346
•
Income
(1%)
H1FY22: 2,359
Expenses
(1,047)
H1FY22: (1,008)
4%
•
1,299
PBP
(4%)
H1FY22: 1,351
Profitability
(RM' mil)
Impairment
(267)
H1FY22: (377)
(29%)
855
PATMI
21%
H1FY22: 708
Strong profitability improvement; annualised ROE 10%
•
•
Banking revenue growth of 8% offset by AmGen disposal loss
of RM54mil at NOII
Normalised cost flat, mainly bonus accruals reversal in H1FY22
CTI of 44.6% (H1FY22: 42.7%)
Included Amgen impairment of RM116mil (Kurnia Brand,
agent relationship & other assets)
Total overlay carried forward remains at RM424mil
Mainly driven by PBP contribution from Banking business and
lower impairments
Included Amgen disposal loss of RM50mil at PATMI
• ROTE: 10.4%
10.0%
ROE¹
1.0%
H1FY22: 9.0%
124.4
Assets &
Gross Loans
4%
•
Broad-based loans growth across segments
FY22: 120.0
Liabilities
121.0
(RM' bil)
Customer Deposits
(1%)
FY22: 122.6
Consistent growth in Retail deposits, Corporate deposits more
volatile
FHC CET12
(with Transitional Arrangements ("TA"))
12.57%
FY22: 12.20%
0.37%
•
FHC CET1 (without TA) = 12.17% (FY22: 11.65%)
Capital &
Liquidity
142.7%
FHC LCR
(15.8%)
.
Highly liquid
FY22: 158.5%
6.0 sen
Dividend per share
1.0 sen
Dividend payout ratio 23%
FY22: 5.0 sen
1.
Annualised
2.
After deducting proposed dividend
AmBank Group
H1FY23 Results - Investor Presentation
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