Investor Presentaiton
Financial Overview (Reported)
| H1FY23 Performance summary - Balance Sheet (Reported)
Balance Sheet (RM' bil)
Q1FY23
Q2FY23
QoQ Change
FY22
H1FY23
YTD Change
Gross Loans
120.1
124.4
4%
120.0
124.4
4%
GIL
1.55%
1.52%
(0.03%)
1.40%
1.52%
0.12%
LLC1
123.3%
122.6%
(0.7%)
139.2%
122.6%
(16.6%)
Customer Deposits
121.4
121.0
122.6
121.0
(1%)
CASA
39.6
39.8
1%
43.1
39.8
(8%)
Capital Indicators (without TA)
Q1FY23
Q2FY232
QoQ Change
FY222
H1FY23²
YTD Change
FHC CET1
11.96%
12.17%
0.21%
11.65%
12.17%
0.52%
FHC Tier 1
11.96%
12.17%
0.21%
11.65%
12.17%
0.52%
FHC Total Capital
15.48%
15.63%
0.15%
15.18%
15.63%
0.45%
Liquidity Ratios
Q1FY23
Q2FY23
QoQ Change
FY22
H1FY23
YTD Change
FHC LCR
153.0%
142.7%
(10.3%)
158.5%
142.7%
(15.8%)
LDR (Loan-to-Deposit)
LTAF³
99.0%
102.8%
3.8%
97.9%
102.8%
4.9%
84.3%
85.5%
1.2%
82.6%
85.5%
2.9%
1.
With regulatory reserves
2.
After deducting proposed dividend
3.
Loan-to-Available-Funds ratio (LTAF) refers to gross loans (excluding financing funded by Islamic Investment Accounts and loans sold to Cagamas) divided by deposits plus borrowings and sub debt
AmBank Group
H1FY23 Results - Investor Presentation
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