FY23 Results - Investor Presentation
NIM (Reported)
| QOQ NIM compressed due to deposit repricing and competition
Net Interest Margin (NIM) Movement (YoY)
Divisions
Funding + Deposits
QoQ NIM
Q4FY23:
Reported: 1.84% ( (29bps))
Underlying: 1.82% ( ▼(28bps))
Q3FY23:
Reported: 2.13%
Underlying: 2.10%
bps
205
8.9
196
2.7
5.3
11.7
0.1
1.1
3.0
1.9
Underlying:
7bps
28.3
203
3.8
Reported:
▲ 2bps
207
FY22
Reported
Net
modification
FY22
Underlying
Retail
Banking
Wholesale
Banking
Investment
Banking
Business
Banking
General
Insurance
Asset mix
Interbank /
Group
Deposits
FY23
Underlying
impact
Funding
Net
modification
impact
FY23
Reported
Positive growth in FY23
Contraction in FY23
Excluding
NIM Trend
Gross Yield
COF
3.72%
3.68%
3.73%
net mod impact
NIM
4.49%
4.62%
4.58%
4.07%
3.80%
Excluding
net mod impact
4.30%
4.24%
3.65%
3.69%
2.97%
2.97%
2.55%
2.08%
2.03%
2.09%
2.00%
2.12%
2.15%
2.12%
2.13%
1.84%
1.84%
1.82%
1.84%
1.86%
1.84%
1.82%
2.40%
2.39%
2.05%
2.07%
2.03%
1.84%
Q1FY22
Q2FY22
Q3FY22
Q4FY22
%
(Jun 2021)
(Sep 2021)
(Dec 2021)
(Mar 2022)
Q1FY23
(Jun 2022)
Q2FY23
(Sep 2022)
Q3FY23
(Dec 2022)
Q4FY23
(Mar 2023)
Q4FY23
(Mar 2023)
FY22
FY23
(Mar 2022)
(Mar 2023)
FY23
(Mar 2023)
Net interest
spread
1.88
1.84
1.90
1.81
1.94
1.92
1.94
1.65
1.62
1.86
1.90
1.85
OPR
1.75
1.75
1.75
1.75
2.00
2.50
2.75
2.75
2.75
1.75
2.75
2.75
AmBank Group
FY23 Results - Investor Presentation
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