H1FY24 Results - Investor Presentation
Asset Quality
| Vigilant monitoring of sector exposures
Impaired Loans by Sector
Loans by Internal Risk Grade
Strong Very Strong
Mar'23
Jun'23
Sep'23
Sector
Composition
RM' mil
RM' mil RM' mil
YTD
Movement
QoQ
Movement
Loans outstanding
Satisfactory Moderate
Marginal Substandard Impaired
Bonds & Loans outstanding
2%
2%
Agriculture
7
7
7
0%
4%
Mining and
12%
43
58
52
3%
21%
(11%)
quarrying
21%
8%
Manufacturing
215
271
287
13%
33%
6%
Oil & Gas:
RM4.5bil
Oil & Gas:
~ 3% of total
RM5.8bil
Electricity, gas and
16%
47
48
50
3%
6%
5%
gross loans
water
64%
75%
Construction
172
178
157
7%
(9%)
(12%)
Wholesale, retail
trade, hotels and
213
239
314
15%
47%
32%
restaurants
3%
Transport, storage
24
25
26
1%
9%
4%
and communication
20%
Finance and
11
9
8
0%
(25%)
(2%)
insurance
Real estate
11
34
40
Business activities
44
50
47
10
47
2%
>100%
17%
Construction:
RM4.4bil
~ 3% of total
gross loans
43%
2%
7%
(7%)
34%
Education and
12
23
health
22
22
1%
82%
(8%)
Household of which:
1,096
1,197
1,154
53%
5%
(4%)
- Residential
8%
842
916
887
41%
5%
(3%)
Properties
- Transport Vehicles
115
118
114
5%
(1%)
(3%)
31%
- Others
139
163
153
7%
10%
(6%)
gross loans
Real Estate:
RM7.8bil
~ 6% of total
61%
Total
1,896
2,139
2,164
100%
14%
1%
AmBank Group
H1FY24 Results - Investor Presentation
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