FY22 Results - Investor Presentation
Financial Snapshot
| FY22 Financial snapshot
FY22 Financials
Income
Variance
Core earnings improved significantly
4,665
2%
•
Consistent income growth
FY21: 4,552
2,094
Expenses
(2%)
•
Disciplined cost management
FY21: 2,132
2,571
PBP
6%
•
Positive JAWS of 4%; CTI of 44.9% (FY21: 46.8%)
FY21: 2,420
Profitability
766
Impairment
(33%)
Net impairment for specific Oil & Gas exposures totaled RM747m
(RM' mil)
FY21: 1,137
1,805
(LBT)/PBT
N/M
FY21: (3,483)
PBT grew 38% YoY vs FY21 Core PBT2 at RM1,305mil contributed by
positive operating leverage and lower impairments
1,503
(LATMI)/PATMI
N/M
FY21: (3,826)
PATMI grew 56% YoY vs FY21 Core PATMI² at RM962mil
Net tax credit³ of RM160mil
9.3%
•
ROTE: 9.8%
ROE
N/M
FY21: (20.2%)
•
120.0
Assets &
Gross Loans
6%
FY21 Core ROE² of 5.1%
Good loans growth in H2FY22
FY21: 112.71
Liabilities
(RM' bil)
122.6
Customer Deposits
2%
•
CASA grew 21%, CASA ratio 35.2% (FY21: 29.7%)
FY21: 120.5
FHC CET1
12.20%4
0.9%
FHC CET1 (without TA) = 11.65%4 (FY21: 10.42%)
(with Transitional Arrangements ("TA"))
FY21: 11.33%
Capital &
158.5%
FHC LCR
1.0%
Highly liquid
Liquidity
FY21: 157.5%
Dividend per share
5.0 sen
FY21: Nil
5.0 sen
•
Dividend payout ratio 11%
1.
2.
3.
Reclassified unrated bonds/sukuk from loans to financial investments, with comparative figures restated accordingly
Excluding exceptional one-off items of RM4,767mil and related legal and professional expenses of RM21mil
Tax credit of RM266mil (inclusive of tax credit relating to Settlement of RM235mil and RM31mil tax claims from prior years), offset by Cukai Makmur (Prosperity Tax) charge of
RM106mil (inclusive of AmGeneral Insurance Prosperity Tax of RM10mil, before 49% minority interest deduction).
After deducting proposed dividend
4.
N/M Not meaningful
AmBank Group
FY22 Results - Investor Presentation
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