Investor Presentaiton
Payment Holiday and Repayment Assistance (PHRA) loans under 6 or 12 months observation period
| Retail Banking (RB) PHRA loans
Total Retail Banking loans and PHRA by staging (RM' bil)
A) Mortgage loans and PHRA by staging (RM' bil)
Of which, PHRA balance²
|
Of which, PHRA balance²
72.4
73.3
45.4
46.0
1.9%
10.4%
2.0%
10.8%
8.5¹
2.0%
2.2%
7.5
9.2%
9.7%
10.6%
5.4
12.7%
4.8
11.8%
46.6%
14.4%
87.7%
87.2%
48.9%
88.8%
88.1%
47.4%
50.0%
42.7%
38.4%
40.8%
35.6%
Mar'23
Total
June'23
Mar'23
Total
I
Total
June'23
Total
Mar 23
Mortgage
June'23
Mortgage
Mar'23
I
RB Loans
RB Loans
I
RB PHRA
RB PHRA
Mortgage
PHRA
June'23
Mortgage
PHRA
■Stage 1 Stage 2
■Stage 3 (GIL)
Stage 1
Stage 2
■Stage 3 (GIL)
B) Auto Financing loans and PHRA by staging (RM' bil)
C) Retail SME loans and PHRA by staging (RM' bil)
Of which, PHRA balance²
Of which, PHRA balance²
13.4
0.9%
13.9
0.9%
5.1
5.1
10.1%
4.6%
4.7%
10.3%
1.1
1.9
1.0
1.7
26.7%
27.6%
4.5%
16.6%
18.5%
4.9%
88.8%
89.0%
45.3%
47.9%
44.0%
43.9%
68.6%
67.6%
50.2%
47.2%
39.4%
37.6%
Mar'23
June'23
Mar'23
June'23
Mar'23
June'23
Mar'23
June'23
Auto
Financing
Auto
|
Auto
Auto
Financing
I
Financing
Financing
Retail
SME
Retail
Retail
Retail
SME
SME
SME
I
PHRA
PHRA
PHRA
PHRA
L
Stage 1 Stage 2 Stage 3 (GIL)
Stage 1
Stage 2
Stage 3 (GIL)
1.
Remaining balance of RM0.1bil in Retail Book consist mainly of Credit Card and Personal Loan with minimal PHRA exposure
2.
PHRA balances consist of active and expired PHRA books under 6 or 12 month of observation
AmBank Group
Q1FY24 Results - Investor Presentation
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