FY22 Results - Investor Presentation
Financial Overview
| FY22 Performance summary - balance sheet
Balance Sheet
(RM' bil)
Q3FY22
Q4FY22
QoQ Change
FY21
FY22
YTD Change
Gross Loans¹
117.1
120.0
2%
112.7
120.0
6%
GIL¹
1.37%
1.40%
1.57%
1.40%
(0.2%)
LLC 1,2
146.1%
139.2%
(6.9%)
124.1%
139.2%
15.1%
Customer Deposits
124.7
122.6
(2%)
120.5
122.6
2%
CASA
37.4
43.1
15%
35.8
43.1
21%
Capital Indicators
Q3FY22
Q4FY223
QoQ Change
FY21
FY223
YTD Change
(without TA)
FHC CET1
11.92%
11.65%
(0.3%)
10.42%
11.65%
1.2%
FHC Tier 1
11.92%
11.65%
(0.3%)
10.42%
11.65%
1.2%
FHC Total Capital
15.44%
15.18%
(0.3%)
14.14%
15.18%
1.0%
Liquidity Ratios
Q3FY22
Q4FY22
QoQ Change
FY21
FY22
YTD Change
FHC LCR
164.0%
158.5%
(5.5%)
157.5%
158.5%
1.0%
LDR (Loan-to-Deposit)¹
93.9%
97.9%
4.0%
93.5%
97.9%
4.4%
LTAF 1,4
78.5%
82.6%
4.0%
79.7%
82.6%
2.9%
1.
Reclassified unrated bonds/sukuk from loans to financial investments, with comparative figures restated accordingly
2.
With regulatory reserves
3.
After deducting proposed dividend
4.
Loan-to-Available-Funds ratio (LTAF) refers to gross loans (excluding financing funded by Islamic Investment Accounts and loans sold to Cagamas) divided by deposits plus borrowings and sub debt
AmBank Group
FY22 Results - Investor Presentation
14View entire presentation