9MFY22 Investor Presentation

Retail Banking | Retail Banking Income Statement YoY Growth 9% ▼(2%) ▲ 7% (2%) 18% (57%) 58% 55% 58% RM' mil Net Interest Income Non-Interest Income Total Income Expenses PBP Impairment PBT Tax PAT 9MFY22 1,069 195 1,264 628 636 81 555 132 423 9MFY21 982 197 1,180 639 540 188 352 85 267 9MFY22 PAT 9MFY21 PAT Positive growth in 9MFY22 Contraction in 9MFY22 Balance Sheet (RM' mil/%) Key Ratios FY21 9MFY22 YTD Change FY21 9MFY22 Gross Loans/Financing 64,787 67,518 4% GIL Ratio 1.36% 1.12% YTD Change (24bps) Gross Impaired Loans 882 757 (14%) CTI 54.1% 49.7% (>100bps) Customer Deposits 47,251 53,795 14% Loan Loss Coverage 137.8% 141.5% >100bps CASA 16,288 17,744 9% ROA¹ 0.24% 0.85% 61bps Average AUM 2,067 2,807 36% AmBank Group 9MFY22 Results - Investor Presentation. 1. Annualised 37

View entire presentation