FY22 Results - Investor Presentation
Asset Quality
| Additional O&G provisions offset against overlay
Net Impairment (YoY Movement)
RM' mil
Overlays:
¡ Q1FY22:
87.2
Q2FY22: 67.6
Q3FY22: 44.9
Q4FY22: (551.5)
Gross Impaired Loans, GIL and LLC Ratios
1,136.7
578.2
558.5
153.2
111.2
180.9
356.4
470.4
351.7
1,117.8
Retail
Business
Wholesale
⚫GIL Ratio
Loan Loss Coverage²
1
100.5%
114.0%
124.1%
139.2%
93.4%
1
1
1.70%
1.59%
1.73%
1.57%
1.40%
RM' mil
1,853
1,770
1,638
1,676
1,621
283
260
209
217
266
646
628
517
749
676
766.0
FY21
Overlay
FY21
before
overlay
Positive P&L impact in FY22
ECL
ECL Individual
Stage 1 & Stage 3 Allowance Recoveries
Others
FY22 Overlay
before
FY22
2
overlay
Negative P&L impact in FY22
Impairment Reserves (Balance Sheet)
1.
924
882
893
681
728
FY18
FY19
FY20
FY21
FY22
Reclassified unrated bonds/sukuk from loans to financial investments, with comparative figures
restated accordingly
2.
Includes regulatory reserve of RM703m (FY18), RM450m (FY19), RM388m (FY20), NIL (FY21), and
RM103m (FY22)
Credit Cost and New Impaired Loans Formation
RM' mil
Non-performing /
impaired loans
Impairment Reserves
| FY20:
1,381!
FY21:
FY22:
2,432
2,737i
Performing
loans
1,777
1,405
Pre-restatement
Post-restatement¹
AmBank Group
FY20
FY21
FY22
FY21
FY22
Net credit cost (%)
0.30%
0.97%
0.64%5
0.81%
0.26%
Credit cost4
1,328
861
0.62%
1.28%
0.84%5
1.12%
0.46%
(excl. recoveries) (%)
694
1,169
335
Stage 2
New Impaired Loans
(RM'mil)
1,491
990
1,945
990
1,357
556
272
197
248 262
303
449
121
Stage 1
75
305
New Impaired Bonds
(RM'mil)
50
N/A
588
235
Individual
Allowance
ECL Stage 3 /
CP - Defaulted
ECL Stage 1 & 2/
CP - Non defaulted³
ECL - Off BS
■FY20 ■FY21
FY22
3. Includes overlay
AmBank Group
FY22 Results - Investor Presentation
4. Includes loan loss allowances only
45
5. Includes RM747mil of provisions for Oil & Gas (loans, bonds & contingencies)
22View entire presentation