H1FY24 Results - Investor Presentation
Retail Banking
| Retail Banking
Income Statement
YoY Growth
3%
9%
4%
7%
(1%)
32%
▼(21%)
(23%)
(21%)
11
23
196
(37)
(51)
14
156
RM' mil
Net Interest
Income
Non-Interest
Income
Total Income
Expenses
PBP
Impairment
PBT
Tax Expenses
PAT
H1FY24
827
133
960
(546)
414
(210)
204
(48)
156
H1FY23
804
122
926
(508)
417
(159)
258
(62)
196
H1FY24 PAT
H1FY23 PAT
Positive growth in H1FY24
Contraction in H1FY24
Balance Sheet (RM' mil/%)
Key Ratios
FY23
H1FY24
YTD Change
FY23
H1FY24
YTD Change
Gross Loans / Financing
72,351
73,978
2%
GIL Ratio
1.85%
1.90%
0.04%
Gross Impaired Loans
1,342
1,405
5%
CTI
55.3%
56.9%
1.5%
Customer Deposits
61,933
62,581
1%
Loan Loss Coverage
88.7%
83.4%
(5.3%)
CASA
23,936
20,020
(16%)
ROA
0.58%
0.43%
(0.16%)
CASA mix
38.6%
32.0%
(6.7%)
Average AUM
2,281
2,062
(10%)
(Wealth Management)
AmBank Group
H1FY24 Results - Investor Presentation
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