FY23 Results - Investor Presentation
Financial Overview (Continuing)
| Q4FY23 Financial overview
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Capital, Liquidity and Funding
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AmBank Group
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Declared dividends of 12.3 sen (FY23 total dividends of 18.3 sen, payout ratio of 35%)
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After proposed dividends, CET1 at 12.51%, TCR at 15.65%. Without TA, CET1 at 12.10%,
TCR at 15.47%
Sector liquidity tightening (FHC LCR of 149.2%, LDR 95.2%)
Q4FY23 Results (QoQ)
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Income of RM1,160mil, down 6% QoQ
NII of RM824mil, down 11%. Reported NIM of 1.84% (Q3FY23: 2.13%).
OPR benefits abated
Noll at RM336mil, up 12% mainly driven by higher fixed income trading gains and
higher share of Life Insurance profits
Expenses up 12% to RM556mil, CTI at 47.9% (Q3FY23: 40.4%)
PBP fell 18% to RM605mil
Net impairment charge decreased to RM51mil (Q3FY23: RM149mil) mainly due to
RM56mil forward-looking (FL) writeback as compared to FL charge of 103mil in Q3FY23
Total overlay reserves carried forward RM461mil (FY22: RM394mil); Overlay P&L charge
of RM41mil relating to corporate sector exposures as additional prudence
Q4FY23 PAT from continuing operations RM428mil
FY23 Results - Investor Presentation
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