9MFY2020 Results - Investor Presentation
Asset Quality
| Credit costs remained low whilst normalising
Net Impairment (RM' mil)
(33.4)
58.6
113.8
Gross Impaired Loans, GIL and LLC Ratios
Q1FY20: (32.5)¦
Q2FY20: 109.1
176.4
Q3FY20: 56.9
Retail
Business
Wholesale
GIL Ratio
100.5%
Loan Loss Coverage 2
114.0%
116.8%
105.2%
81.2%
79.7%
16.9
133.5
1.94%
1.86%
1.70%
1.71%
1.62%
RM' mil
1.59%
1,701
1,689
1,638
1,621
1,623
1,791
296
40
209
217
152
925
1,000
600
749
676
723
9MFY19
165.0
ECL
Stage 1 & 21
ECL
Stage 3
Individual
Allowance
Recoveries
Others
9MFY20
894
776
649
681
728
747
FY16
FY17
FY18
FY19
9MFY19
9MFY20
Positive P&L impact in 9MFY20
Negative P&L impact in 9MFY20 1. Includes macro provisions
2. Includes regulatory reserve
Impairment Balance (Balance Sheet)
Non-performing /
impaired assets
RM' mil
251
208
187 181
200 215
Performing assets
898
711
Credit Cost (%) and New Impaired Loans Formation (RM' mil)
AmBank Group
FY16
FY17
FY18
FY19
9MFY20 9MFY19
441
622
Total Provisions
FY18:
FY19: 1,301
19MFY20: 1,143)
943
Credit cost (%)
-0.18%
-0.19%
0.00%
-0.30%
0.16%4 -0.04%4
485 Stage 2
Credit cost
(excl. recoveries) (%)
New Impaired Loans
Formation (RM' mil)
0.46%
0.56%
0.47%
0.53%
0.53%4 0.58%4
1,418
1,330
1,162
1,123
1,257
1,142
94
276
226 Stage 1
4. Annualised
ECL Stage 3 /
CP-Defaulted
ECL Stage 1 & 2/
CP Non defaulted³
Model Risk Adjustment
9MFY20
Individual
Allowance
FY18 ■FY19
3. Includes macro provisions
AmBank Group
9MFY2020 Results - Investor Presentation
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