FY23 Results - Investor Presentation
Asset Quality (Continuing)
| (Impairments) / Writebacks
Net (Impairments) / Writebacks and GIL Ratio
Total impairments by category (RM' mil)
ECL Stage 1 & 2 / CP - Non defaulted¹
ECL Stage 3/CP - Defaulted
Individual Provisions
Recoveries
Other Provisions²
Total net impairments
Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 QoQ Change
FY22
FY23
YoY Change
(122) (124) 56
561
6
19
(55)
17
(>100%)
371
(13)
>100%
(118) (85)
(98)
(557)
(125)
(155)
(167)
(141)
(16%)
(858) (588)
(31%)
(12)
(21)
(304)
(3)
(12)
(20)
(66)
(41)
(38%) (339)
(139)
(59%)
57
61
48
74
71
83
68
88
240
(8)
(4)
(40)
(129)
(6)
(15)
71
26
(203)
(173) (338)
(53) (66)
(88) (149)
(51)
29%
(63%) (182)
(66%) (768)³ (354)³
310
29%
76
(>100%)
(54%)
Total impairments by divisions (RM' mil)
Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23
QoQ Change
FY22
FY23
YoY Change
Wholesale Banking
(68)
(101) (258) (586) 21
47
(21)
(1)
(95%) (1,013) 46
(>100%)
Investment Banking
2
7
0
2
0
(1)
0
(0)
>100%
11
>100%
Retail Banking
(43)
5
(43)
(77)
(38)
(121)
(85)
(58)
(31%) (158) (302)
92%
Business Banking
(22)
(52)
1
29
(19)
(14)
(100)
10
Group Funding & Others
(72)
(32)
(39) 578
(30)
1
56
(1)
Total net impairment
(203) (173) (338) (53)
(66) (88) (149) (51)
(>100%) (44) (123)
>100% 436
(66%) (768)³ (354) 3
>100%
26
(94%)
(54%)
GIL Ratio
Wholesale Banking
2.08% 1.84% 1.98%
Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23
1.66%
QoQ Change
YoY Change
1.34% 1.07% 1.12% 0.64%
(0.48%)
(1.02%)
Investment Banking
0.02% 0.01% 0.01%
Retail Banking
1.34% 1.30% 1.12%
0.00%
1.31%
0.00%
N/A
N/A
Business Banking
1.90% 1.66% 1.44%
1.42%
1.71% 1.82% 1.87% 1.85%
1.47%
(0.02%)
0.55%
1.37% 1.65% 1.57%
(0.08%)
0.15%
Group
1.59% 1.47% 1.37% 1.40%
1.55%
1.52% 1.62% 1.46%
(0.16%)
0.06%
Industry
1.62% 1.73% 1.68% 1.71% 1.81%
1.82% 1.72% 1.75%
0.03%
0.04%
123
1.
Includes overlay and forward-looking provision
2.
3.
Includes trade & sundry debtors and provision for contingencies
Excludes AmGen's net impairment of RM1.7m (FY22) and -RM113.2m (FY23)
AmBank Group
FY23 Results - Investor Presentation
27View entire presentation