AMMB Holdings Berhad
AmBank-Financials (Income Statement)
| FY Ending 31-Mar | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Income Statement (RM millions) | ||||||||||||
| Interest Income | 4,488 | 4,677 | 4,327 | 4,097 | 3,997 | 4,320 | 4,892 | 4,940 | 4,156 | 4,067 | 4,976 | 6,071 |
| Interest Expense | (2,265) | (2,405) | (2,346) | (2,460) | (2,432) | (2,656) | (3,168) | (3,001) | (2,064) | (1,770) | (2,695) | (3,934) |
| Net Interest | 2,223 | 2,272 | 1,981 | 1,638 | 1,565 | 1,664 | 1,724 | 1,939 | 2,092 | 2,296 | 2,281 | 2,137 |
| Islamic Banking Income | 848 | 940 | 865 | 806 | 805 | 941 | 952 | 1,020 | 930 | 1,062 | 1,301 | 1,316 |
| Other Operating Income | 1,303 | 1,498 | 1,876 | 1,250 | 1,359 | 1,380 | 1,226 | 1,272 | 1,487 | 1,263 | 956 | 1,103 |
| Other Operating Expenses | (2,006) | (2,151) | (2,158) | (2,177) | (2,161) | (2,421) | (2,131) | (2,108) | (2,132) | (2,094) | (1,999) | (2,052) |
| Prov for Loan Losses | (134) | (122) | 38 | 209 | 183 | (18) | 302 | (337) | (1,141) | (761) | (354) | (645) |
| Unusual Items (before tax) | (4,767) | (5) | (205) | |||||||||
| Profit Before Tax | 2,180 | 2,448 | 2,604 | 1,731 | 1,801 | 1,543 | 2,095 | 1,783 | (3,484) | 1,805 | 2,255 | 1,694 |
| Tax Expense | (486) | (577) | (560) | (332) | (392) | (289) | (492) | (330) | (229) | (210) | (513) | 148 |
| Unusual Items (net of tax) | (66) | 51 | ||||||||||
| Profit After Tax | 1,693 | 1,871 | 2,045 | 1,400 | 1,409 | 1,254 | 1,603 | 1,453 | (3,827) | 1,595 | 1,676 | 1,893 |
| Non-controlling Interests | (58) | (89) | (126) | (98) | (84) | (122) | (98) | (112) | 115 | (92) | 59 | (25) |
| Net Profit After Tax | 1,635 | 1,782 | 1,919 | 1,302 | 1,325 | 1,132 | 1,505 | 1,341 | (3,712) | 1,503 | 1,735 | 1,868 |
| EPS Basic (RM) | 0.5452 | 0.5929 | 0.6383 | 0.4333 | 0.4406 | 0.3764 | 0.5003 | 0.4464 | -1.2722 | 0.4554 | 0.5262 | 0.5649 |
| EPS Diluted (RM) | 0.5443 | 0.5926 | 0.6382 | 0.4333 | 0.4403 | 0.3764 | 0.5003 | 0.4464 | -1.2722 | 0.4554 | 0.5241 | 0.5649 |
| DPS (RM) | 0.22 | 0.241 | 0.273 | 0.155 | 0.176 | 0.15 | 0.2 | 0.133 | 0 | 0.05 | 0.183 | 0.226 |
| Payout Ratio | 40.42% | 40.67% | 42.78% | 35.77% | 39.97% | 39.85% | 39.98% | 29.79% | 0.00% | 10.98% | 34.92% | 40.01% |
AmBank-Financials (Balance Sheet)
| FY Ending 31-Mar | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Balance Sheet (RM millions) | ||||||||||||
| Cash | 11,234 | 10,287 | 10,759 | 11,988 | 8,337 | 5,516 | 7,074 | 15,612 | 18,810 | 13,221 | 8,522 | 6,493 |
| Deposits with FI | 2,323 | 1,063 | 4,069 | 1,334 | 1,130 | 216 | 196 | 99 | 103 | 1,302 | 177 | 0 |
| Gross Loans | 84,759 | 89,289 | 87,823 | 87,892 | 90,986 | 96,321 | 101,845 | 107,219 | 114,759 | 119,993 | 130,227 | 134,130 |
| PLL | (2,173) | (2,118) | (1,649) | (1,379) | (1,121) | (943) | (1,301) | (1,268) | (2,281) | (1,927) | (1,984) | (2,028) |
| Net Loans | 82,586 | 87,171 | 86,174 | 86,513 | 89,865 | 95,378 | 100,544 | 105,951 | 112,478 | 118,066 | 128,243 | 132,102 |
| Statutory Deposits | 2,907 | 3,123 | 3,215 | 2,590 | 2,575 | 2,837 | 3,156 | 489 | 425 | 377 | 2,447 | 2,613 |
| Intangibles | 3,246 | 3,384 | 3,348 | 3,370 | 3,444 | 3,426 | 3,380 | 3,262 | 1,444 | 1,400 | 511 | 431 |
| Associates | ||||||||||||
| Total Assets | 126,993 | 132,353 | 133,804 | 133,764 | 134,768 | 137,881 | 158,793 | 169,203 | 170,178 | 174,859 | 197,541 | 196,764 |
| Deposits from Customers | 84,860 | 89,699 | 92,130 | 90,359 | 94,072 | 95,805 | 106,916 | 112,967 | 120,543 | 122,593 | 130,315 | 142,381 |
| Deposits from FI | 3,153 | 4,121 | 2,302 | 1,744 | 1,609 | 3,433 | 7,688 | 10,022 | 9,921 | 9,895 | 11,462 | 8,901 |
| Borrowings | 10,406 | 8,915 | 8,438 | 7,553 | 7,079 | 7,532 | 7,935 | |||||
| Total Liabilities | 113,860 | 118,259 | 118,296 | 117,645 | 117,615 | 120,221 | 140,103 | 149,643 | 154,588 | 156,900 | 179,405 | 177,322 |
| Net Assets | 13,133 | 14,094 | 15,507 | 16,119 | 17,153 | 17,660 | 18,691 | 19,560 | 15,590 | 17,959 | 18,136 | 19,442 |
| Non-controlling Interests | 1,100 | 951 | 1,052 | 951 | 1,126 | 1,144 | 1,000 | 979 | 950 | 1,199 | 1 | 1 |
| Shareholder Funds | 12,033 | 13,143 | 14,455 | 15,169 | 16,027 | 16,516 | 17,691 | 18,581 | 14,641 | 16,760 | 18,135 | 19,441 |
| Share Capital | 3,014 | 3,014 | 3,014 | 3,014 | 5,552 | 5,552 | 5,752 | 5,851 | 5,952 | 6,776 | 6,376 | 6,376 |
| Retained Earnings | 4,471 | 5,528 | 6,830 | 7,539 | 8,173 | 10,234 | 10,908 | 11,567 | 7,810 | 9,220 | 10,884 | 11,992 |
| No of Shares (millions) | 3,014 | 3,014 | 3,014 | 3,014 | 3,014 | 3,014 | 3,014 | 3,014 | 3,014 | 3,314 | 3,314 | 3,314 |
AmBank-Financials (Ratios)
| FY Ending 31-Mar | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| RATIOS | ||||||||||||
| Net Loans (RM millions) | 82,586 | 87,171 | 86,174 | 86,513 | 89,865 | 95,378 | 100,544 | 105,951 | 112,478 | 118,066 | 128,243 | 132,102 |
| Total Deposits (RM millions) | 88,013 | 93,820 | 94,432 | 92,103 | 95,681 | 99,238 | 114,604 | 122,989 | 130,464 | 132,488 | 141,777 | 151,282 |
| Total Deposits & Borrowings (RM millions) | 88,013 | 93,820 | 94,432 | 92,103 | 95,681 | 109,644 | 123,519 | 131,427 | 138,017 | 139,567 | 149,309 | 159,217 |
| Net Assets / Total Assets | 10.3% | 10.6% | 11.6% | 12.1% | 12.7% | 12.8% | 11.8% | 11.6% | 9.2% | 10.3% | 9.2% | 9.9% |
| Cost-Income | 45.9% | 45.7% | 45.7% | 58.9% | 58.0% | 60.8% | 54.6% | 49.8% | 47.3% | 45.3% | 44.1% | 45.0% |
| LDR | 94% | 93% | 91% | 94% | 94% | 96% | 88% | 86% | 86% | 89% | 90% | 87% |
| Net Interest / Total Interest Income | 49.5% | 48.6% | 45.8% | 40.0% | 39.2% | 38.5% | 35.2% | 39.3% | 50.3% | 56.5% | 45.8% | 35.2% |
| NAB per share (RM) | 3.99 | 4.36 | 4.80 | 5.03 | 5.32 | 5.48 | 5.87 | 6.16 | 4.86 | 5.06 | 5.47 | 5.87 |
| NTA per share (RM) | 2.92 | 3.24 | 3.69 | 3.91 | 4.17 | 4.34 | 4.75 | 5.08 | 4.38 | 4.63 | 5.32 | 5.74 |
| Return on Equity | 14.1% | 14.2% | 13.9% | 8.8% | 8.5% | 7.0% | 8.8% | 7.4% | -22.3% | 9.6% | 9.9% | 9.9% |