FY23 Results - Investor Presentation
Asset Quality
| Vigilant monitoring of sector exposures
Impaired Loans by Sector
Loans by Internal Risk Grade
Strong Very Strong
Satisfactory Moderate
Marginal Substandard Impaired
Bonds & Loans outstanding
22%
Oil & Gas:
RM3.0bil
44%
66%
17%
Mar'22
Dec'22
Mar'23
Sector
Composition
RM' mil RM' mil RM' mil
QoQ
Movement
YOY
Movement
Loans outstanding
Agriculture
9
8
7
(14%)
(19%)
2%
7%
Mining and quarrying
176
44
43
2%
(2%)
(75%)
Manufacturing
227
241
215
11%
(11%)
(5%)
25%
Oil & Gas:
RM2.Obil
Electricity, gas and
4
46
47
3%
2%
>100%
~ 2% of total
water
gross loans
Construction
113
154
172
9%
12%
53%
Wholesale, retail
trade, hotels and
170
188
213
11%
13%
25%
restaurants
3%
Transport, storage
19
26
24
1%
(8%)
27%
and communication
10%
Finance and insurance
1
11
11
1%
7%
>100%
Real estate
188
175
11
1%
(93%)
(94%)
Construction:
RM4.5bil
54%
~ 3% of total
Business activities
38
51
45
2%
(13%)
17%
33%
gross loans
Education and health
6
10
12
12
1%
17%
91%
Household of which:
725
1,087
1,096
58%
1%
51%
- Residential
540
811
842
45%
4%
56%
Properties
-
Transport Vehicles
5%
80
118
115
6%
(2%)
44%
- Others
105
158
139
7%
(12%)
33%
33%
Total
1,676
2,041
1,896
100%
(7%)
13%
Real Estate:
RM7.7bil
~ 6% of total
gross loans
62%
AmBank Group
FY23 Results - Investor Presentation
17%
1. Categorised under "Mining and
quarrying" sector in Financial Statement
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