H1FY24 Results - Investor Presentation
Payment Holiday and Repayment Assistance (PHRA) loans under 6 or 12 months observation period
| Retail Banking (RB) PHRA loans
Total Retail Banking loans and PHRA by staging (RM' bil)
A) Mortgage loans and PHRA by staging (RM' bil)
I
Of which, PHRA balance¹
Of which, PHRA balance¹
73.3
1.4, 2%
7.9, 11%
74.0
1.4, 2%
8.2, 11%
46.0
1.0, 2%
4.5, 10%
46.9
1.0, 2%
4.7, 10%
2
7.5
7.0
63.9,
87%
64.3,
0.9, 12%
0.9, 13%
4.8
4.6
87%
3.7, 50%
3.5, 50%
40.5,
88%
41.2,
0.7, 14%
0.6, 14%
88%
2.4, 50%
2.4, 51%
2.9, 38%
2.6, 37%
1.7, 36%
1.6, 35%
June'23
Total
RB Loans
Sept'23
Total
RB Loans
I
June'23
|
Total
Sept'23
Total
I
RB PHRA
RB PHRA
June'23
Mortgage
Sept'23
Mortgage
June'23
Mortgage
PHRA
Sept'23
Mortgage
PHRA
■Stage 1
Stage 2
■Stage 3 (GIL)
Stage 1 Stage 2
Stage 3 (GIL)
B) Auto Financing loans and PHRA by staging (RM' bil)
Of which, PHRA balance¹
C) Retail SME loans and PHRA by staging (RM' bil)
Of which, PHRA balance¹
13.9
0.1, 1%
1.4, 10%
14.0
0.1, 1%
1.4, 10%
5.1
5.1
0.2, 5%
0.3, 5%
1.0
1.7
1.5
1.4, 28%
1.5, 29%
0.8
12.4,
89%
12.5,
89%
0.1, 5%
0.1, 5%
0.2, 18%
0.8, 48%
0.7, 48%
0.2, 23%
3.5,
3.3,
0.4, 44%
67%
0.4, 49%
66%
0.8, 47%
0.7, 47%
0.4, 38%
0.2, 28%
June'23
Sept'23
June'23
Sept'23
Auto
Financing
Auto
Financing
Auto
Financing
PHRA
Auto
Financing
June'23
Retail
SME
Sept'23
June'23
Retail
Retail
Sept'23
Retail
SME
SME
SME
PHRA
PHRA
PHRA
■Stage 1 Stage 2
Stage 3 (GIL)
Stage 1
Stage 2
Stage 3 (GIL)
1.
2.
AmBank Group
H1FY24 Results - Investor Presentation
PHRA balances consist of active and expired PHRA books under 6 or 12 months of observation
Includes RM0.1bil comprising Credit Card balances and Personal Loans
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