FY22 Results - Investor Presentation
Retail Banking
| Retail Banking
Income Statement
YoY Growth
7%
▼(5%)
▲ 5%
▼(3%)
14%
(70%)
>100%
>100%
>100%
RM' mil
Net Interest
Income
Non-Interest
Income
Total Income
Expenses
PBP
Impairment
PBT
Tax
PAT
FY22
1,417
256
1,673
840
833
158
676
161
515
733
534
199
48
188
Contraction in FY22
FY21
1,328
270
1,598
865
FY22 PAT
FY21 PAT
Positive growth in FY22
Balance Sheet (RM' mil/%)
Key Ratios
151
FY21
FY22
YTD Change
FY21
FY22
Gross Loans/Financing
64,787
68,396
6%
GIL Ratio
1.36%
1.31%
YTD Change
(5bps)
Gross Impaired Loans
882
893
1%
CTI
54.1%
50.2%
(390bps)
Customer Deposits
47,251
53,814
14%
Loan Loss Coverage
137.8%
126.9%
(>1,000bps)
CASA
16,288
20,076
23%
ROA
0.24%
0.78%
54bps
AmBank Group
FY22 Results - Investor Presentation
Average AUM
2,067
2,775
34%
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