FY22 Results - Investor Presentation
NIM
| Margin improvement driven by lower cost of funds
Net Interest Margin (NIM) Movement (YoY)
bps
3.0
190
187
Divisions
2.1
3.5
2.9
0.1
0.2
1.5
Funding + Deposits
4.7
QoQ NIM
Q4FY22:
Reported: 2.00% (▼(9bps))
Underlying: 1.94% ( ▼(2bps))
Q3FY22:
Reported: 2.09%
Underlying: 1.96%
Reported:
▲ 15bps
8.9
Underlying:
9bps
2.9
196
205
FY21
Reported
Net
modification
FY21
Underlying
Retail
Banking
Wholesale
Banking
Investment
Banking
Business
Banking
General
Insurance
Asset mix
impact
Interbank /
Group
Funding
Deposits
FY22
Underlying
Net
modification
impact
FY22
Reported
Positive growth in FY22
Contraction in FY22
NIM Trend
Gross Yield
COF
⚫NIM
3.95%
3.84%
3.77%
3.73%
3.72%
3.68%
3.73%
3.65%
3.56%
3.82%
3.69%
3.58%
2.62%
2.15%
2.03%
2.07%
2.08%
2.03%
2.09%
2.00%
2.15%
1.94%
2.05%
1.96%
1.92%
1.86%
1.84%
1.84%
1.82%
1.84%
1.82%
1.90%
1.59%
Q1FY21
Q2FY21
Q3FY21
Q4FY21
Q1FY22
Q2FY22
Q3FY22
Q4FY22
Q4FY22
excluding
net mod impact
AmBank Group
FY22 Results - Investor Presentation
1.84%
1.96%
1.82%
FY21
FY22
FY22
excluding
net mod impact
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