Q1FY23 Results - Investor Presentation
Expenses
| Improved CTI QoQ to 46.8% (Q4FY22:49.6%)
Business Segments
Q4FY22
Q1FY23
QoQ Change
Q1FY22
YoY Change
(RM' mil)
Wholesale Banking
65
60
(8%)
63
(6%)
Investment Banking
47
44
(7%)
41
8%
Retail Banking
212
216
2%
204
6%
Business Banking
45
46
2%
34
35%
Group Funding & Others
105
99
(6%)
79
26%
Expenses - Banking
474
465
(2%)
421
10%
General Insurance
83
79
(5%)
74
7%
Expenses
557
544
(2%)
495
10%
Expense Growth Driver (YoY)
RM' mil
495
4
4
15
37
11
544
Expense and CTI Trend
RM' mil
49.6%
49.3%
45.4%
46.4%
46.5%
45.8%
44.7%
46.8%
40.0%
539
545
557
544
524
525
529
514
495
Q1FY22 Bonus
Accrual
Other
Staff Cost
Admin & Sales &
General Marketing
Others Q1FY23
Reversal in
Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22
Q2FY22 Q3FY22 Q4FY22 Q1FY23
Q1FY22
Positive P&L impact in Q1FY23
Negative P&L impact in Q1FY23
a
AmBank Group
Q1FY23 Results - Investor Presentation
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