Q1FY24 Results - Investor Presentation
Retail Banking
| Retail Banking
Income Statement
YoY Growth
7%
(9%)
4%
12%
(5%)
>100%
▼(61%)
(61%)
(61%)
25
125
(6)
(30)
24
49
RM' mil
Net Interest
Income
Non-Interest
Income
Total Income
Expenses
PBP
(89)
Impairment
PBT
Tax Expenses
PAT
Q1FY24
Q1FY23
406
59
465
(274)
191
(127)
64
(15)
49
381
65
446
(244)
202
(38)
164
(39)
125
Q1FY24 PAT
Q1FY23 PAT
Positive growth in Q1FY24
Contraction in Q1FY24
Balance Sheet (RM' mil/%)
Key Ratios
FY23
Q1FY24
YTD Change
FY23
Q1FY24
YTD Change
Gross Loans/Financing
72,351
73,265
1%
GIL Ratio
1.85%
1.97%
0.11%
Gross Impaired Loans
1,342
1,440
7%
CTI
55.3%
59.0%
3.6%
Customer Deposits
61,933
59,674
(4%)
Loan Loss Coverage
88.7%
84.7%
(4.0%)
CASA
23,936
18,769
(22%)
ROA
0.58%
0.27%
(0.31%)
CASA mix
38.6%
31.5%
(7.2%)
Average AUM
2,281
2,090
(8%)
(Wealth Management)
AmBank Group
Q1FY24 Results - Investor Presentation
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