9MFY2020 Results
Financial Overview
| Q3FY20 Financial overview
Q3FY20 Results (QoQ)
Income up 3% to RM1,105mil (+RM36mil):
Steady NII growth, up 6% to RM721mil, NIM further expanded to 2.02% (+11bps)
Noll declined 2% mainly from General Insurance, partially offset by higher Investment Banking fee income
Expenses higher at 552mil. CTI at 50.0% (Q2FY20: 49.2%)
PBP grew 2% to RM552mil
Lower net impairment of RM57mil, mainly due to non-repeat of large corporate provisions
PATMI increased 20% to RM382mil
ROE higher at 8.3% (Q2FY20: 7.0%)
Asset Quality
GIL at 1.71% (Q2FY20: 1.77%)
LLC¹ at 105.2% (Q2FY20: 105.8%)
Capital & Funding
➤ Adequate capital position, FHC CET1² 12.2%
Highly liquid, FHC LCR of 163%
1. Includes regulatory reserve
2. After deducting proposed dividend
AmBank Group
9MFY2020 Results - Investor Presentation
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