H1FY24 Results - Investor Presentation
AmBank (M) entity level
| AmBank (M)
Income Statement
YoY Growth
▼(4%)
26%
2%
(6%)
▲ 8%
84%
≈2
=
78
557
(50)
40
(68)
▲ 2%
(1%)
553
(4)
RM' mil
Net Interest
Income
Non-Interest
Income
Total Income
Expenses
PBP
Impairment
PBT
Tax Expenses
PAT
H1FY24
1,127
377
H1FY23
1,177
299
1,504
1,476
(637)
867
(148)
719
(166)
553
(676)
800
(81)
719
(162)
557
H1FY24 PAT
H1FY23 PAT
Positive growth in H1FY24
Contraction in H1FY24
Balance Sheet (RM' mil/%)
Key Ratios
Gross Loans
83,739
85,178
FY23
H1FY24
YTD Change
2%
GIL Ratio
FY23
H1FY24
YTD Change
1.64%
1.84%
0.20%
Gross Impaired Loans
1,374
1,564
14%
CTI
47.3%
42.3%
(5.0%)
Customer Deposits
85,391
90,075
5%
Loan Loss Coverage
123.6%
106.2%
(17.4%)
CASA
31,342
29,578
(6%)
ROA
0.86%
0.81%
(0.05%)
CASA Mix
36.7%
32.8%
(3.9%)
AmBank Group
H1FY24 Results - Investor Presentation
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