Q1FY23 Results - Investor Presentation
NIM
| NIM expansion at the back of OPR rise
Net Interest Margin (NIM) Movement (QoQ)
bps
200
6.1
194
Divisions
3.0
4.1
0.2
0.4
2.1
0.9
Funding + Deposits
1.4
YoY NIM
Q1FY23:
Reported: 2.12% (4bps)
Underlying: 2.06% (▲ 7bps)
Q1FY22:
Reported: 2.08%
Underlying: 1.99%
9.6
Underlying:
12bps
5.6
Reported:
12bps
206
212
Q4FY22
Reported
Net
Q4FY22
modification Underlying
impact
Retail
Banking
Wholesale Investment
Banking Banking
Business
Banking
General
Insurance
Asset mix
Interbank /
Group
Funding
Deposits
Q1FY23
Underlying
Net
Q1FY23
modification Reported
impact
Positive growth in Q1FY23
Contraction in Q1FY23
NIM Trend
Gross Yield
COF
NIM
3.95%
3.77%
3.84%
3.73%
3.72%
3.68%
3.73%
3.80%
3.65%
3.72%
2.62%
2.15%
2.07%
2.08%
2.03%
2.03%
2.09%
2.00%
2.12%
2.06%
1.92%
1.96%
1.86%
1.84%
1.84%
1.59%
1.82%
1.84%
1.86%
1.85%
Q1FY21
Q2FY21
Q3FY21
Q4FY21
Q1FY22
Q2FY22
Q3FY22
Q4FY22
Q1FY23
Q1FY23
excluding
AmBank Group
Q1FY23 Results - Investor Presentation
net mod impact
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