Investor Presentaiton
Asset Quality (Continuing)
| (Impairments) / Writebacks
Net (Impairments) / Writebacks and GIL Ratio
Total impairments by category (RM' mil)
ECL Stage 1 & 2 / CP - Non defaulted
ECL Stage 3/CP - Defaulted
Individual Provisions
Recoveries
Other Provisions1
Total net impairments
1.
Q1FY22 Q2FY22
Q3FY22 Q4FY22 Q1FY23 Q2FY23
QoQ Change
H1FY22 H1FY23
YoY Change
(122)
(124)
56
561
6
19
>100%
(246)
24
(>100%)
(118)
(85)
(98)
(557)
(125)
(155)
24%
(203)
(279)
38%
(12)
(21)
(304)
(3)
(12)
(20)
71%
(33)
(32)
(2%)
57
61
48
74
71
83
16%
118
154
31%
(8)
(4)
(40)
(129)
(6)
(15)
>100%
(12)
(21)
62%
(203)
(173)
(338)
(53)
(66)
(88)
33%
(376)
(154)
(59%)
Total impairments by divisions (RM' mil)
Q1FY22 Q2FY22 Q3FY22
Q4FY22 Q1FY23 Q2FY23
QoQ Change
H1FY22 H1FY23
YoY Change
Wholesale Banking
(68)
(101) (258)
(586)
21
47
Investment Banking
2
7
0
2
0
(1)
Retail Banking
(43)
5
(43)
(77)
(38)
(121)
(>100%)
>100%
>100% (38)
(169)
68
(>100%)
9
(1)
>100%
(159)
>100%
Business Banking
(22)
(52)
1
29
(19)
(14)
(28%) (74)
(33)
(56%)
Group Funding & Others
(72)
(32)
(39)
578
(30)
1
(>100%) (104)
(29)
(72%)
Total net impairment
(203)
(173)
(338) (53)
(66)
(88)
33%
(376)
(154)
(59%)
GIL Ratio
Q1FY22 Q2FY22 Q3FY22 Q4FY22
Wholesale Banking
2.08%
Investment Banking
Retail Banking
Business Banking
Group
1.84% 1.98% 1.66%
0.02% 0.01% 0.01% 0.00%
1.34% 1.30% 1.12% 1.31% 1.71% 1.82%
1.90% 1.66% 1.44%
1.47% 1.37%
1.59% 1.47% 1.37% 1.40% 1.55% 1.52%
Q1FY23 Q2FY23
1.34% 1.07%
QoQ Change
YoY Change
(0.27%)
(0.77%)
0.00%
N/A
(0.01%)
0.11%
0.52%
1.42%
(0.10%)
(0.29%)
(0.03%)
0.05%
Industry
1.62%
1.73% 1.68%
1.71% 1.79% 1.82%
0.03%
0.09%
Includes trade & sundry debtors and provision for contingencies
AmBank Group
H1FY23 Results - Investor Presentation
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