FY22 Results - Investor Presentation
Asset Quality
| Impairments
Net Impairment / (Writebacks) and GIL Ratio
Total impairments by category (RM' mil) Q1FY21 Q2FY21 Q3FY21
ECL Stage 1 & 2 / CP - Non defaulted
Q4FY21 Q1FY22
Q2FY22
Q3FY22 Q4FY22 QoQ Change FY21
FY22
YoY Change
31
121
454
310
122
124
(56)
(561)
(>100%) 916
(371)
(>100%)
ECL Stage 3/CP - Defaulted
89
265
(98)
131
118
85
98
557
>100% 387
858
>100%
Individual Provisions
Recoveries
2
78
(3)
81
12
21
303
3
(99%) 158
339
>100%
(79)
(114)
(93)
(65)
(57)
(61)
(48)
(74)
(54%) (351)
(240)
32%
Other Provisions¹
Total net impairments
7
(17)
2
36
9
5
40
127
>100% 27
180
>100%
50
333
262
492
204
174
337
51
(85%) 1,137
766
(33%)
Total impairments by divisions (RM' mil) Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 QoQ Change FY21 FY22
YoY Change
Wholesale Banking
(3)
142
21
98
68
101
258
586
>100% 258
1,013
>100%
Investment Banking
(2)
(1)
(1)
(1)
(1)
(8)
(0)
(2)
(>100%) (4)
(11)
(>100%)
Retail Banking
36
(8)
160
346
42
(5)
43
77
79% 534
158
(70%)
Business Banking
5
(0)
24
31
22
52
(1)
(29)
Group Funding & Others
11
202
58
19
72
32
39
(578)
General Insurance
2
(3)
0
(2)
(0)
1
(1)
(2)
(>100%) 61
(>100%) 290 (436)
▼ (>100%) (3)
44
(28%)
(>100%)
33%
Total net impairment
50
333
262
492
204
174
337
51
(85%) 1,137
766
(33%)
GIL Ratio
Wholesale Banking2
Investment Banking
Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22
Retail Banking
Business Banking
Group²
Industry
2.25% 2.49% 2.02% 2.18% 2.08%
1.44%
0.45% 0.03% 0.02% 0.02%
1.29% 1.11% 1.71% 1.36% 1.34%
1.97% 1.82% 1.58% 1.51% 1.90%
1.66% 1.58% 1.75% 1.57% 1.59%
1.44% 1.37% 1.57% 1.58% 1.62%
Q2FY22 Q3FY22 Q4FY22 QoQ Change
1.84% 1.98% 1.66%
0.01% 0.01% 0.00%
1.30% 1.12% 1.31%
1.66% 1.44% 1.42%
1.47% 1.37% 1.40%
1.57% 1.44% 1.53%
FY21
(32bps) 2.18% 1.66%
FY22
YoY Change
(52bps)
0.02%
0.00%
(2bps)
(19bps) 1.36%
1.31%
(5bps)
(2bps) 1.51%
1.42%
(9bps)
3bps 1.57%
1.40%
(17bps)
9bps
1.58%
1.53%
(5bps)
1.
Includes trade & sundry debtors and provision for contingencies
2.
Following a review on classification, unrated bonds and sukuk reclassified from loans to financial investments resulting in retrospective restatement from Apr 20 (Q1FY21)
AmBank Group
FY22 Results - Investor Presentation
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