9MFY22 Investor Presentation
Underlying
| Additional items to highlight
P&L (RM' mil)
Q2FY22
Q3FY22
QoQ Change
9MFY21
9MFY22
YoY Change
Income - Reported
1,121
1,183
6%
3,423
3,542
3%
Net modification loss/ (unwinding) (a)
(34)
(48)
15
(115)
Income after adjusted items
1,087
1,135
4%
3,438
3,427
Expenses
PBP - Reported
514
529
3%
1,608
1,537
(4%)
607
654
8%
1,816
2,005
10%
573
606
6%
1,831
1,890
3%
PBP after adjusted items
Impairment - Reported
174
337
94%
645
715
11%
Overlay (b)
(68)
(45)
(275)
(200)
Impairment after adjusted items
106
292
>100%
370
515
39%
Adjusted items @ 33% tax (c)
11
(1)
701
28
PATMI - Reported (d)
321
403
26%
866
1,111
28%
Tax credit (e)
(234)
(234)
Prosperity Tax (f)
74
74
PATMI after adjusted items (g) = (d) + (a) -
344
241
(30%)
1,086
1,008
(7%)
(b) - (c) + (e) + (f)
Ratios
CTI - Reported
CTI after adjusted items
1.
9MFY21 adjusted items are computed based on 24% tax
AmBank Group
9MFY22 Results - Investor Presentation
45.8%
44.7%
(1.1%)
47.0%
43.4%
(3.6%)
47.3%
46.6%
(0.7%)
46.8%
44.8%
(2.0%)
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