FY23 Results - Investor Presentation
Loans (Reported)
| Broad-based loans growth
Gross Loans Movement (RM' bil)
YTD Growth
Composition
Breakdown by concept:
Breakdown by customers' type:
ROA:
ROTA:
Retail - 54%
0.92%
0.92%
Conventional - 65%
Non-retail 46%
Breakdown by rate sensitivity:
Fixed rate-22%
Variable rate -78%
Islamic 35%
10%
13%
13%
6%
5%
9%
11%
(1%)
12%
9%
13%
14%
16%
35%
10%
2%
4%
4%
2%
100%
1.4
2.2
2.5
0.5
0.2
0.7
2.6
0.2
70
0.1
120.0
Gross loans trend (RM'bil)
FY23
FY22
FY21
YoY Growth Industry
130.2
9%
5%²
120.0
▲ 6%
5%³
112.7
5%
4%3
FY22
MidCorp
Large Corp &
Others
Business
Banking
Mortgage Auto Finance
Cards &
Retail SME
Personal
COOP, ASB
Financing
Financing
Investment
Banking &
Others
Positive growth in FY23
Wholesale:
12%
Contraction in FY23
Retail: 6%
1.
22
Based on BNM data from end Mar'22 to end Mar'23
2. Based on BNM data and in accordance with AMMB's financial period
AmBank Group
FY23 Results - Investor Presentation
130.2
FY23
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