FY23 Results - Investor Presentation
Retail Banking (Reported)
| Retail Banking
Income Statement
YoY Growth
15%
(5%)
12%
9%
16%
92%
(2%)
(2%)
(2%)
RM' mil
Net Interest
Income
Non-Interest
Income
Total Income
Expenses
PBP
Impairment
PBT
Tax Expenses
PAT
FY23
1,635
243
1,878
(914)
964
(302)
661
(158)
503
FY22
1,417
256
1,673
(840)
833
(158)
676
(161)
515
FY23 PAT
FY22 PAT
Positive growth in FY23
Contraction in FY23
Balance Sheet (RM' mil/%)
Key Ratios
Gross Loans/Financing
68,396
72,351
FY22
FY23
YTD Change
6%
GIL Ratio
FY22
FY23
YTD Change
1.31%
1.85%
0.54%
Gross Impaired Loans
893
1,342
50%
CTI
50.2%
48.7%
(1.5%)
Customer Deposits
53,814
61,933
15%
Loan Loss Coverage
126.9%
88.7%
(38.2%)
CASA
20,076
23,936
19%
ROA
0.78%
0.72%
(0.06%)
CASA mix
37.3%
38.6%
1.3%
Average AUM
2,779
2,281
(18%)
(Wealth Management)
AmBank Group
FY23 Results - Investor Presentation
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