9MFY22 Investor Presentation
Asset Quality
| Additional provisions for O&G sector
Net Impairment (YoY Movement)
RM' mil
Overlay:
Q1FY22: 87.2
Q2FY22: 67.6
Q3FY22: 44.9
Gross Impaired Loans, GIL and LLC Ratios
Retail
Wholesale
Loan Loss Coverage 1
Business
GIL Ratio
100.5%
114.0%
93.4%
135.6%
103.4%
164.4%
274.4
644.5
370.1
44.5
1.70%
1.73%
1.59%
1.54%
1.73%
1.35%
199.7
7.8
119.9
258.9
RM' mil
1,936
1,853
1,770
1,638
254
1,608
1,621
283
260
209
714.6
217
260
592
514.9
646
628
749
676
591
560.7
9MFY21
Overlay
9MFY21
ECL
ECL
Individual
Others
before
overlay
Stage 1 & Stage 3 Allowance Recoveries
2
9MFY22
before
overlay
Overlay 9MFY22
1,090
924
882
681
728
757
Positive P&L impact in 9MFY22
Negative P&L impact in 9MFY22
FY18
1.
FY19
FY20
FY21
9MFY21
9MFY22
Impairment Reserves (Balance Sheet)
Includes regulatory reserve of RM703m (FY18), RM450m (FY19), RM388m (FY20), NIL (FY21),
RM54m (9MFY21) and RM8m (9MFY22)
Credit Cost and New Impaired Loans Formation
RM' mil
Non-performing /
impaired loans
Performing
loans
1,922
AmBank Group
FY18
FY19
FY20
FY21
9MFY21 9MFY22
9MFY22
(excl.
Impairment Reserves
FY20:
overlay)
1,746
1,343
FY21:
2,401
9MFY22: 2,637 !
1,528
1,312
Net credit cost³ (%)
0.00% -0.30% 0.30%
0.97%
0.79%4 0.72%4
0.50%4
I
823
Credit cost³
(excl. recoveries) (%)
0.47%
0.53%
0.62%
1.28%
1.13% 0.91%4
0.69%4
335
540
272
Stage 2
197
247 262
204
433
394
75 121 176
New Impaired Loans
Formation (RM' mil)
1,162
1,123
1,491
990
972
943
N/A
Stage 1
283
Individual
FY20
Allowance
FY21
ECL Stage 3 /
CP
ECL Stage 1 & 2 /
ECL - Off BS
2
34
3. Includes loan loss allowances only
Defaulted
CP Non defaulted
Annualised
■9MFY22
2. Includes overlay
AmBank Group
9MFY22 Results - Investor Presentation
20
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