H1FY24 Results - Investor Presentation
AmBank Islamic entity level
| AmBank Islamic
Income Statement
YoY Growth
(6%)
▲ 48%
▼(2%)
49%
(21%)
(25%)
(20%)
(20%)
(20%)
273
23
(32)
(79)
18
16
219
RM' mil
Net Financing
Income
H1FY24
H1FY23
509
Non-Financing
Income
70
Total Income
Expenses
PBP
Impairment
PBT
Tax & Zakat
PATZ
579
(239)
340
(55)
285
(65)
219
541
47
588
(160)
428
(73)
355
(82)
273
H1FY24 PATZ
H1FY23 PATZ
Positive growth in H1FY24
Contraction in H1FY24
Balance Sheet (RM' mil/%)
Key Ratios
FY23
H1FY24
YTD Change
FY23
H1FY24
YTD Change
Gross Financing
45,641
44,727
(2%)
GIF Ratio
1.14%
1.34%
0.19%
Gross Impaired Financing
521
597
15%
CTI
27.8%
41.2%
13.5%
Customer Deposits
45,253
45,528
1%
Financing Loss Coverage
136.5%
115.0%
(21.5%)
CASA
17,785
14,234
(20%)
ROA
0.95%
0.72%
(0.23%)
CASA Mix
39.3%
31.3%
(8.0%)
AmBank Group
H1FY24 Results - Investor Presentation
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