FY23 Results - Investor Presentation
Group P&L (Continuing)
| P&L walk
YoY Growth
1,366
14%
17%
(56%)
12%
▲ 12%
▲ 13%
(54%)
46%
>100%
▲ 28%
160
425
77
210
414
336
1,742
RM' mil
Net Interest
Income
FY23
3,437
Non-Interest
Income
1,110
Net Mod Impact
Total Income
Expenses
PBP
Impairment
PBT
Tax & Zakat
PAT
62
4,608
(1,999)
2,609
(354)
2,255
(513)
1,742
FY22
3,012
950
139
4,100
(1,789)
2,311
(768)
1,544
(177)
1,366
Positive growth in FY23
Contraction in FY23
PAT by Lines of Business (YoY)
(>100%)
>100%
Insurance²
3%
(2%)
Effective
Noll %
CTI
Group
Funding &
Others
(10%)
Tax Rate
▼(5%)
FY23
24.1%
43.4%
22.7%
Business
Banking
15%
Retail Banking
29%
FY22
23.2%
43.6%
11.5%¹
(29%)
Investment
Banking
6%
PAT
RM1,742 mil
▲ 28%
AmBank Group
FY23 Results - Investor Presentation
1. Inclusive of tax credit relating to Settlement of
RM235mil and RM26mil tax claims from prior
years, offset by Cukai Makmur (Prosperity
Tax) charge of RM96mil
2. Insurance comprised Liberty Insurance Berhad
(LIB), AmMet Life and AmMet Life Takaful.
The results of LIB (associate) has been equity
accounted from 1 August 2022
Wholesale
Banking
57%
>100%
15View entire presentation