Q1FY23 Results - Investor Presentation
Financial Overview
| Q1FY23 Financial overview
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Capital, Liquidity and Funding
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Adequate loss absorption capacity
CET1 at 12.38%; without Transitional Arrangements, CET1 at 11.96%
Highly liquid (FHC LCR of 153.0%, LDR 99.0%)
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Q1FY23 Results (QoQ)
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Income of RM1,162mil
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NII of RM863mil, up 6%. NIM of 2.12% (Q4FY22: 2.00%)
Noll at RM298mil, down 4% mainly due to lower Insurance income
Expenses down 2% to RM544mil, CTI at 46.8% (Q4FY22: 49.6%)
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PBP up 9% to RM618mil
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Net impairment charge of RM64mil (Q4FY22: RM51mil) included RM30mil additional overlay for
corporate exposures
Total overlay reserves carried forward RM424mil (Retail Banking: RM363mil, Business Banking:
RM31mil, Wholesale Banking: RM30mil)
Q1FY23 PATMI of RM419mil, with annualised ROE of 10.0%
AmBank Group
Q1FY23 Results - Investor Presentation
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