H1FY24 Results - Investor Presentation
Business Banking
| Business Banking
Income Statement
YoY Growth
10%
15%
11%
11%
11%
>100%
(18%)
(18%)
(18%)
17
38
248
(18)
(96)
14
204
RM' mil
Net Interest
Income
Non-Interest
Income
Total Income
Expenses
PBP
Impairment
PBT
Tax Expenses
PAT
H1FY24
423
132
555
(171)
384
(117)
267
(63)
204
H1FY23
(Restated)¹
H1FY24 PAT
H1FY23 PAT
385
114
500
(154)
346
(21)
325
(77)
248
Positive growth in H1FY24
Contraction in H1FY24
Balance Sheet (RM' mil/%)
Key Ratios
FY23
FY23
H1FY24
YTD Change
H1FY24
YTD Change
(Restated)¹
(Restated)¹
Gross Loans/Financing
34,512
34,972
1%
GIL Ratio
1.30%
1.68%
0.39%
Gross Impaired Loans
448
589
32%
CTI
30.3%
30.8%
0.5%
Customer Deposits
24,610
24,898
1%
Loan Loss Coverage
105.1%
82.0%
(23.1%)
CASA
14,358
13,057
(9%)
ROA
1.52%
1.17%
(0.34%)
CASA Mix
58.3%
52.4%
(5.9%)
1. FY23 numbers have been restated with current business realignment, mainly between Wholesale Banking (WB) and Business Banking (BB)
AmBank Group
H1FY24 Results - Investor Presentation
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