Investor Presentaiton
NIM
| NIM compression moderating QoQ
Net Interest Margin (NIM) Movement (QoQ)
Divisions
YOY NIM
Q1FY24:
Reported: 1.76% (
(36bps))
Q1FY23:
Funding + Deposits
Reported: 2.12%
bps
3.6
0.2
(3.0)
(0.1)
(0.5)
(6.3)
(2.8)
184
Q4FY23
Reported
Reported:
(8bps)
176
Retail
Banking
Wholesale Banking
Investment Banking
Business
Banking
Asset mix
Interbank/Group
Funding
Deposits
Q1FY24
Reported
Positive growth in Q1FY24
NIM Trend
Contraction in Q1FY24
Gross Yield
COF
3.72%
3.68%
3.73%
NIM
4.62%
4.70%
4.49%
4.07%
3.80%
3.65%
3.13%
2.97%
2.55%
2.08%
2.03%
2.09%
2.00%
2.12%
2.15%
2.12%
2.13%
1.84%
1.84%
1.82%
1.84%
1.86%
1.84%
1.76%
Q1FY22
Q2FY22
%
(Jun 2021)
(Sep 2021)
Q3FY22
(Dec 2021)
Q4FY22
(Mar 2022)
Q1FY23
(Jun 2022)
Q2FY23
(Sep 2022)
Q3FY23
(Dec 2022)
Q4FY23
(Mar 2023)
Q1FY24
(Jun 2023)
Net interest
spread
1.88
1.84
1.90
1.81
1.94
1.92
1.94
1.65
1.57
OPR
1.75
1.75
1.75
1.75
2.00
2.50
2.75
2.75
3.00
AmBank Group
Q1FY24 Results - Investor Presentation
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