H1FY24 Results - Investor Presentation
Financial Overview (Reported)
| H1FY24 Performance summary - Balance Sheet
Balance Sheet (RM' bil)
Q1FY24
Q2FY24
QoQ Change
FY23
H1FY24
YTD Change
Gross Loans
129.0
130.8
1%
130.2
130.8
≈2
GIL
1.66%
1.65%
(0.01%)
1.46%
1.65%
0.20%
LLC (include Reg Reserves)
115.6%
109.2%
(6.4%)
127.7%
109.2%
(18.5%)
LLC (exclude Reg Reserves)
107.5%
96.2%
(11.3%)
116.5%
96.2%
(20.3%)
Customer Deposits
130.3
135.3
4%
130.3
135.3
4%
-Time deposits / Fixed Deposits
90.7
91.8
1%
81.5
91.8
13%
- CASA
39.6
43.5
10%
48.8
43.5
(11%)
CASA Mix
30.4%
32.2%
1.8%
37.4%
32.2%
(5.3%)
Capital Indicators (without TA)¹
Q1FY24
Q2FY24
QoQ Change
FY23
H1FY24
YTD Change
FHC CET1
12.59%
12.66%
0.07%
12.10%
12.66%
0.56%
FHC Tier 1
12.59%
12.66%
0.07%
12.10%
12.66%
0.56%
FHC Total Capital
16.33%
16.38%
0.05%
15.47%
16.38%
0.91%
Liquidity Ratios
Q1FY24
Q2FY24
QoQ Change
FY23
H1FY24
YTD Change
FHC LCR
170.0%
162.5%
(7.5%)
149.2%
162.5%
13.3%
LDR²
99.0%
96.7%
(2.3%)
99.9%
96.7%
(3.3%)
NSFR³
104.3%
106.9%
2.6%
107.3%
106.9%
(0.4%)
1.
After deducting proposed dividend
2.
3.
Loan-to-Deposit (LDR) refers to Gross Loans divided by Customer Deposits
Net Stable Funding Ratio (NSFR) refers to Total Available Stable Funding divided by Required Stable Funding
AmBank Group
H1FY24 Results - Investor Presentation
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