Q1FY24 Results - Investor Presentation
Financial Overview (Reported)
| Q1FY24 Performance summary - Balance Sheet
Balance Sheet (RM' bil)
Mar'23
June'23
YTD Change
June'22
June'23
YoY Change
Gross Loans
GIL
130.2
129.0
(1%)
120.1
129.0
7%
1.46%
1.66%
0.20%
1.55%
1.66%
0.11%
LLC (with Reg Reserves)
127.7%
115.6%
(12.1%)
123.3%
115.6%
(7.7%)
LLC (without Reg Reserves)
116.5%
107.5%
(9.0%)
116.3%
107.5%
(8.8%)
Customer Deposits
130.3
130.3
≈2
121.4
130.3
7%
Time deposits / Fixed Deposits
81.5
90.7
11%
81.8
90.7
11%
CASA
48.8
39.6
(19%)
39.6
39.6
≈
CASA Mix
37.4%
30.4%
(7.1%)
32.6%
30.4%
(2.2%)
Capital Indicators (without TA)
Mar'231
June'23
YTD Change
June'22
June'23
YoY Change
FHC CET1
12.10%
12.59%
0.49%
11.96%
12.59%
0.63%
FHC Tier 1
12.10%
12.59%
0.49%
11.96%
12.59%
0.63%
FHC Total Capital
15.47%
16.33%
0.86%
15.48%
16.33%
0.85%
Liquidity Ratios
Mar'23
June'23
YTD Change
June'22
June'23
YoY Change
FHC LCR
149.2%
170.0%
20.8%
153.0%
170.0%
17.0%
LDR²
99.9%
99.0%
(0.9%)
99.0%
99.0%
LDR (include NIDs)
95.2%
94.3%
(0.9%)
94.4%
94.3%
(0.1%)
LTAF³
84.4%
83.6%
(0.8%)
84.3%
83.6%
(0.7%)
1.
After deducting proposed dividend
2.
3.
Loan-to-Deposit (LDR) refers to Gross Loans divided by Customer Deposits
Loan-to-Available-Funds ratio (LTAF) refers to gross loans (excluding financing funded by Islamic Investment Accounts and loans sold to Cagamas) divided by deposits plus borrowings and sub debt
AmBank Group
Q1FY24 Results - Investor Presentation
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