H1FY24 Results - Investor Presentation
Loans
| Flat loans growth
Gross Loans Movement (RM' bil)
Breakdown by rate sensitivity:
Fixed rate 21%
Variable rate -79%
Breakdown by concept:
Islamic - 35%
Conventional - 65%
Breakdown by customers' type:
ROA:
ROTA:
Retail -55%
0.89%
0.89%
Non-retail 45%
YTD Growth
(7%)
1%
3%
5%
5%
(11%)
(1%)
▲ 2%
12
Composition
15%
27%
36%
11%
2%
4%
4%
1%
100%
0.7
0.2
130.2
1.5
0.0
130.8
0.5
(0.8)
(0.0)
(1.5)
Gross loans trend (RM'bil)
H1FY24
FY23
FY22
YTD Growth
Industry
130.8
≈3
2%1
130.2
9%
5%²
120.0
6%
5%2
FY23
Wholesale
Banking
Business
Banking
Mortgage
Auto
Financing
Cards
Personal
Financing
Retail
SME
Investment Banking
& others
H1FY24
& others
Retail: 2%
Positive growth in H1FY24
Contraction in H1FY24
12
1. Based on BNM data from end Mar'23 to end Sep'23
2.
Based on BNM data and in accordance with AMMB's financial period
AmBank Group
H1FY24 Results - Investor Presentation
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