Q1FY23 Results - Investor Presentation
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Income Statement
YoY Growth
16%
(28%)
6%
(6%)
▲ 8%
(>100%)
60%
65%
59%
RM' mil
Net Interest
Income
Non-Interest
Income
Total Income
Expenses
PBP
Impairment
PBT
Tax
PAT
Q1FY23
279
52
331
60
272
(21)
292
66
227
Q1FY22
241
73
314
63
250
68
182
39
143
Q1FY23 PAT
Q1FY22 PAT
Positive growth in Q1FY23
Contraction in Q1FY23
Balance Sheet (RM' mil/%)
Key Ratios
FY22
Q1FY23
YTD Change
FY22
Q1FY23
YTD Change
Gross Loans/Financing
31,063
30,215
(3%)
GIL Ratio
1.66%
1.34%
(0.32%)
Gross Impaired Loans
517
405
(22%)
CTI
19.8%
18.0%
(1.8%)
Customer Deposits
53,561
52,458
(2%)
Loan Loss Coverage
160.9%
176.4%
15.5%
CASA
15,296
13,809
(10%)
ROA¹
0.05%
1.16%
1.11%
1.
Annualised
AmBank Group
Q1FY23 Results - Investor Presentation
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