9MFY2020 Results - Investor Presentation
Loans
| Loans growth boosted by higher disbursements in Q3
Gross Loans Movement (RM' bil)
Breakdown by rate sensitivity:
Fixed rate 24%
Variable rate -76%
Breakdown by concept:
Islamic -29%
Breakdown by customers type:
Retail -56%
ROA¹:
ROTA¹:
1.02%
1.03%
Conventional - 71%
Non-retail 44%
Ex. Auto:
YTD Growth
6%
3%
3%
5%
11%
7%
25%
22%
9%
▲ 3%
▲ 5%
Composition
15%
17%
2%
34%
13%
3%
3%
3%
10%
100%
101.8
0.9
0.5
0.0
1.7
0.9
0.5
0.7
0.2
1.7
Gross loans trend
YTD Growth
Industry
9MFY20
104.5
3%
3%2
FY19
101.8
▲ 6%
5%³
FY18
96.3
▲ 6%
4%3
104.5
FY19
MidCorp
Large Corp &
Others
Investment
Banking
Mortgage
Auto Finance
Cards
Retail SME
Others
Business
Banking
9MFY20
Wholesale
1%
Positive growth in 9MFY20
Contraction in 9MFY20
AmBank Group
9MFY2020 Results - Investor Presentation
Retail
2%
1. Annualised
2. Based on BNM data from Mar'19 to Dec'19
3. Based on BNM data and in accordance with AMMB's financial period
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