Investor Presentaiton
Loans (Reported)
| Broad-based loans growth
Gross Loans Movement (RM' bil)
Breakdown by rate sensitivity:
Fixed rate 21%
Variable rate -79%
Breakdown by concept:
Breakdown by customers' type:
ROA¹:
ROTA¹:
Islamic - 32%
Conventional - 68%
Retail -55%
0.90%
0.90%
Non-retail-45%
YTD Growth
1%
10%
7%
3%
2%
≈2
4%
5%
9%
4%
Composition
13%
14%
2%
15%
35%
10%
2%
4%
5%
100%
0.2
0.6
0.2
1.1
0.1
0.1
0.6
1.5
0.2
124.4
Gross loans trend (RM'bil)
YTD Growth
Industry
120.0
H1FY23
124.4
4%
3%2
FY22
120.0
6%
5%³
FY21
112.7
5%
4%3
FY22
MidCorp
Large Corp &
Others
Investment
Banking
Business Banking Mortgage
Auto Finance Cards & Personal
Financing
Retail SME
COOP & ASB
H1FY23
Financing
Wholesale: 6%
Retail: 3%
Positive growth in H1FY23
Contraction in H1FY23
223
1.
Annualised
2.
Based on BNM data from end Mar'22 to end Sep'22
3.
Based on BNM data and in accordance with AMMB's financial period
AmBank Group
H1FY23 Results - Investor Presentation
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