Ammb Holdings Bhd. · MYX:AMBANK
Ammb Holdings Bhd — Q1 FY2027 Earnings Presentation
38 slides from Ammb Holdings Bhd's earnings presentation, Aug 18, 2026
Slide 1: Q1FY2027 Results Investor Presentation
Q1FY2027 RESULTS (Quarter ended 30 June 2026) INVESTOR PRESENTATION 18 August 2026
Slide 2: GCEO Presentation
GCEO PRESENTATION Jamie Ling 3 Q1FY27 Financial Snapshot 4 Loans by Stages 5 Outlook for CY2026 21 Q1FY27 Closing Remarks
Slide 3: Q1FY27 Financial snapshot
Financial Snapshot Q1FY27 Financial snapshot Resilient Q1FY27 performance: RM520m PATMI delivered by revenue growth Q1FY27 Financials Variance with 7% loans growth YoY • NII grew 4% on assets growth, NIM 1.93% (Q1FY26: 2.01%) 1,327 Income 3% • NoII fell 1% on lower GTM trading gains and Insurance
Slide 4: Portfolio quality resilient amid sustained external uncertainties
Loans Portfolio quality resilient amid sustained external uncertainties Loans by ECL Stages (RM’ bil) Breakdown by Business Segments (%) Stage 1 Stage 1 Stage 2 Stage 3 147.8 WB 92.3% 92.8% 146.7 1.7%* BB 91.1% 89.9% 142.7 1.7% * 140.5 RB 89.7% 89.4% 1.8% 138.2 8.1% 1.8% 7.1% 1.7% 7.4% 7.4% Q1FY26 Q
Slide 5: Outlook for CY2026
Market Outlook Outlook for CY2026 GDP Growth 4.5% to 5.0% Inflation 1.8% to 2.3% Malaysia Unemployment Rate 3.1% USD/MYR Outlook RM4.05 to RM4.15 Loans Growth 5.0% to 5.5% Banking Asset Quality Stable Sector OPR 2.75% Liquidity & Capital Positions Resilient CY = Calendar Year 55 Q1FY27 Results – Inv
Slide 6: GCFO Presentation
GCFO PRESENTATION Phuah Shok Cheng 7- 9 Financial Overview 10 - 15 Group P&L 16 - 18 Loans & Asset Quality 19 - 20 Deposits & Capital
Slide 7: Q1FY27 PATMI stable at RM520m, positive JAWS, CTI 43.4%
Financial Overview (QoQ) Q1FY27 PATMI stable at RM520m, good income growth and positive JAWS, CTI 43.4% 1 Q1FY27 Results (QoQ) • Income of RM1,327mil (Q4FY26: RM1,296mil), up 2% QoQ - NII grew 3% to RM965mil (Q4FY26: RM937mil); 4bps NIM compression from lower asset yield to 1.93% (Q4FY26: 1.97%) - N
Slide 8: Q1FY27 Performance Summary – PATMI +1%
Financial Overview (Reported) Q1FY27 Performance Summary – PATMI +1% driven by income growth and lower impairment P&L (RM’ mil) Q4FY26 Q1FY27 QoQ Change Q1FY26 Q1FY27 YoY Change Total Income 1,296 1,327 2% 1,291 1,327 3% - NII 937 965 3% 925 965 4% - NOII 359 363 1% 366 363 (1%) Expenses
Slide 9: Q1FY27 Performance Summary – Strong loans growth of 7% YoY
Financial Overview (Reported) Q1FY27 Performance Summary – Strong loans growth of 7% YoY, GIL 1.62% for the quarter Balance Sheet (RM’ bil) Q4FY26 Q1FY27 QoQ Change Q1FY26 Q1FY27 YoY Change Gross Loans 146.7 147.8 1% 138.2 147.8 7% GIL 1.59% 1.62% 0.03% 1.71% 1.62% (0.09%) LLC (include Reg R
Slide 10: P&L walk – Resilient start to Q1FY27
Group P&L P&L walk – Resilient start to Q1FY27 with PBT +4% YoY, higher ETR moderated PATMI growth +1% YoY YoY Growth 4% (1%) 3% 2% 3% (4%) 4% 17% 1% 40 3 516 (3) 520 (12) (24) Q1FY26 NII NoII Total Expenses PBP Impairment PBT Tax & Q1FY27 Income Zakat Q1FY27 965 363 1,327 (576) 75
Slide 11: Income +3% YoY from 4% NII growth
Income Income +3% YoY from 4% NII growth; Banking revenue grew 5% YoY led by WB Business Segments Q4FY26 Q1FY27 QoQ Change Q1FY26 Q1FY27 YoY Change (RM’ mil) Wholesale Banking 348 407 17% 359 407 13% Business Banking 440 449 2% 440 449 2% Retail Banking 383 374 (2%) 383 374 (2%) Investme
Slide 12: Lower NIM with narrowing net spread
NIM Lower NIM with narrowing net spread due to asset yield reduction from competition YoY Net Interest Margin (NIM) & Cost of Funds (COF) Trend NIM Movement (QoQ) Contraction in Q1FY27 COF NIM (0.04%) 3.14% 3.08% 2.96% 2.91% 2.92% 1.97% 1.93% -0.01% -0.03% 1.98% 2.01% 1.97% 1.94% 1.93% FY25 FY26 Q
Slide 13: Higher income from GWM and Corporate Banking
NoII Higher income from GWM and Corporate Banking offset lower GTM trading gains and insurance contribution Composition 16% 12% 27% 5% 15% 15% 6% 4% 100% YoY Growth >100% (51%) (3%) 30% 81% 19% (19%) (55%) (1%) 34 9 366 24 4 363 (5) (6) (45) (3) (20) Group Wealth Management: 43%
Slide 14: CTI improved to 43.4%; Positive JAWS
Expenses CTI improved to 43.4%; Positive JAWS Expense Walk (YoY Movement) (RM’mil) Expense (RM’mil) and CTI Trend (%) Positive impact in Q1FY27 Negative impact in Q1FY27 Expenses CTI 44.0% 45.4% 45.6% 43.7% 43.4% 10 7 576 564 (3) (2) Bonus & LTIP: (9) Computerisation: 4 Other Staff Software: 3 Expen
Slide 15: PBP +3%, Banking PBP grow 7% YoY
PBP & PATMI PBP +3%, Banking PBP grow 7% YoY Business Segments Q4FY26 Q1FY27 QoQ Change Q1FY26 Q1FY27 YoY Change (RM’ mil) Wholesale Banking 253 320 27% 274 320 17% Business Banking 266 281 6% 281 281 ≈ Retail Banking 124 127 2% 131 127 (3%) Investment Banking, Funds Mgt & 50 26 (49%) 25
Slide 16: YoY loans growth of 7% led mainly by WB and BB
Loans YoY loans growth of 7% led mainly by WB and BB Gross Loans Movement (RM’ bil) Breakdown by rate sensitivity: Breakdown by concept: Breakdown by customer type: Fixed rate – 17% Islamic – 35% Retail – 46% Variable rate – 83% Conventional – 65% Non-retail – 54% YTD Composition 16% 37% 34% 7% 5% 1
Slide 17: NCC 0.19% lower YoY due to overlay reversals
Asset Quality NCC 0.19% lower YoY due to overlay reversals offsetting higher Stage 3 provisions Net Impairment (YoY Movement) (RM’mil) 31.3 (5.0) 72.4 11.3 69.8 (4.5) (35.7) (88.2) 52.5 Overlay Overlay provisions reversals for geopolitical risks Q1FY26 ECL ECL Stage 3 Forward Overlay Recoveries Q1FY
Slide 18: 3% QoQ rise in GIL, vigilant monitoring on asset quality
Asset Quality 3% QoQ rise in GIL, vigilant monitoring on asset quality Impaired Loans by Sector Collateralisation of Portfolios Jun’25 Mar’26 Jun’26 YoY QoQ Sector Composition RM’ mil RM’ mil RM’ mil Movement Movement Performing loans – 98.30% Agriculture 9 87 86 4% >100% (1%) Mining and 42 44 3
Slide 19: Proactive liability management through funding mix diversification
Deposits Proactive liability management through funding mix diversification to manage COF Deposits (RM’ bil) CASA (RM’ bil) and CASA Composition (%) YoY1 YTD2 YTD2 Industry Industry YoY1 Customer Deposits Trend Growth Growth CASA Trend Industry Industry Growth Growth 4% 6% (2%) 2% Q1FY27 1
Slide 20: CET1 remains strong and supportive of dividend plan
Capital CET1 remains strong and supportive of dividend plan RWA/Total Assets1 Capital Adequacy Ratios1,3 2 Total Assets RWA/Total Assets Peers CET 1 / Tier 1 TCR 58.0% 57.5% 57.4% 54.5% 17.92% 17.49% 17.23% 17.31% 55.0% 54.9% 55.7% 55.7% RM’ bil 15.15% 14.82% 14.82% 14.82% 196.8 199.0 207.7 214.1 FY
Slide 21: Q1FY27 Closing Remarks
Summary Q1FY27 Closing Remarks FINANCIAL PERFORMANCE CREDIT PROFILE • Resilient income and PATMI • Net Credit Cost at 19bps • 9.7% ROE and ROA of 0.99% • GIL at 1.62% • RM52.5 mil overlay provisions for exposures vulnerable to sustained geopolitical tensions OPERATING LEVERAGE BALANCE SHEET STRENGTH
Slide 22: Thank You
THANK YOU PRINCIPLED ‘APPRECIATIVE (on : COLLABORATIVE EXPERIMENTAL Biba st 11 Be
Slide 23: Yearly Financial Highlights
Q1FY27 Results Yearly Financial Highlights PATMI (RM’mil) & ROE (%) Total Income (RM’mil) and Non-interest Income (%) Total Income: PATMI: ROE: CAGR FY24-FY26: 5.4% YoY Growth 0.8% YoY Growth (0.3%) YoY Growth 2.8% PATMI ROE Total Income Non-Interest Income % 10.0% 10.0% 10.0% 10.0% 9.7% 29%
Slide 24: Impairment (charge) / Recoveries
Asset Quality Impairment (charge) / Recoveries Net (Impairments) / Recoveries, GIL and LLC Ratio Total impairments by category (RM’ mil) Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 QoQ Change YoY Change ECL Stage 1 & 2 – Non defaulted reversal/ (charge) (8) (23) 4 36 (4) (>100%) (56%) ECL Stage 3 & indiv
Slide 25: Divisional Performance
Divisional Performance PRINCIPLED 2 PROACTIVE APPRECIATIVE COLLABORATIVE EXPERIMENTAL
Slide 26: Wholesale Banking
Wholesale Banking Wholesale Banking Total Income (YoY Movement) and Assets by Line of Business PAT Trend (RM’ mil) QoQ Growth: 27% YoY Growth: ≈ Total Income 13% FY26: 931 RM407 mil 337 (1%) 235 235 174 185 Transaction Corporate Banking Banking 14% 33% TB GTM: 4% CB: Loans & AC other financial
Slide 27: Wholesale Banking
Wholesale Banking Wholesale Banking Income Statement YoY Growth 24% 30% >100% (10%) 13% 54% 8% 2% 75% 17% (>100%) 15% ≈67% 71% (1%) 66% ≈ 59 (11) (2) 235 1 235 (47) Net Interest Non-Interest Impairment (charge)/ RM' mil Total Income Expenses PBP PBT Tax & Zakat PAT Income Inc
Slide 28: Business Banking
Business Banking Business Banking Total Income (YoY Movement) and Assets by Line of Business PAT Trend (RM’ mil) QoQ Growth: 16% Total Income YoY Growth : 8% 2% RM449 mil 8% FY26: 633 Commercial Banking 71% Commercial Banking 201 83% 186 190 174 Total Assets Others RM55 bil 0% Others Enterpr
Slide 29: Business Banking
Business Banking Business Banking Income Statement YoY Growth 4% (3%) 2% 6% ≈ (50%) 7% 6% 8% 12 18 201 186 (3) (3) (9) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PAT Income Income Q1FY27 350 99 449 (168) 281 (18) 263 (62) 201 Q1FY26 338 102
Slide 30: Retail Banking
Retail Banking Retail Banking Total Income (YoY Movement) and Loans by Line of Business PAT Trend (RM’ mil) Total Income (2%) QoQ Growth : (2%) RM 374 mil YoY Growth : >100% 29% (23%) 82% Others FY26: 356 2% Wealth Mortgage 126 14% 18% 114 112 Cards & UnsecuredSecured Lending Personal 6%
Slide 31: Retail Banking
Retail Banking Retail Banking Wealth Sales (RM’ mil) Retail Wealth – Average AUM (RM’ mil) QoQ Growth: 33% QoQ Growth: 24% YoY Growth: 36% YoY Growth: 40% FY26: 10,278 7,581 2,986 2,994 2,845 6,093 5,547 5,774 5,432 2,201 2,246 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 H1FY26 9MFY26 FY26 Q1F
Slide 32: Retail Banking
Retail Banking Retail Banking Income Statement YoY Growth (11%) (3%) (27%) 64% (7%) (2%) 5% (2%) (31%) (3%) (>100%) 15% >100% (75%) >100% (77%) >100% 87 112 (20) 49 4 28 (36) (36) Net Interest Non-Interest Impairment (charge)/ RM' mil Total Income Expenses PBP PBT Tax & Zak
Slide 33: Investment Banking, Funds Management & Private Banking
Investment Banking, Funds Management & Private Banking Investment Banking, Funds Management & Private Banking League Table PAT Trend (RM’ mil) Market Share1 As At Rank2 QoQ Growth: (48%) 30 June 2026 YoY Growth: (2%) DCM 8.5% 4 (Overall MYR Bonds) FY26: 95 Islamic Sukuk 7.2% 4 Unit Trust 7.0%
Slide 34: Investment Banking, Funds Management & Private Banking
Investment Banking, Funds Management & Private Banking Investment Banking, Funds Management & Private Banking Income Statement YoY Growth (14%) 4% 1% 1% 2% (>100%) (4%) (11%) ≈ 3 20 1 20 (1) (2) (2) Net Interest Non-Interest Impairment (charge)/ RM' mil Total Income Expenses PBP PBT
Slide 35: Group Wealth Management
Group Wealth Management Group Wealth Management1 Income Statement YoY Growth (9%) 43% 41% 13% >100% N/A >100% >100% >100% 32 - (7) 37 (6) (5) 18 (0) (1) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PAT Income Income Q1FY27 3 106 110 (63) 47 0
Slide 36: AmBank (M)
AmBank (M) entity level AmBank (M) Income Statement YoY Growth 9% 6% (3%) 26% 11% 6% 8% 2% 13% 9% >100% 12% 7% 8% 7% 8% 9% 54 355 327 (6) (8) (5) (8) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax PAT Income Income Q1FY27 667 213 880 (367) 512 (
Slide 37: AmBank Islamic
AmBank Islamic entity level AmBank Islamic Income Statement YoY Growth (4%) 11% 54% 77% 15% 6% 9% 9% 19% 5% (27%) >100% 11% (2%) (3%) 9% 11% 33 9 151 136 (12) (4) (11) Net Financing Non-Financing RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PATZ Income Income
Slide 38: Glossary & Disclaimer
Glossary & Disclaimer Glossary & Disclaimer of warranty and limitation of liability Reported Performance Reported performance refers to the financial performance as reported in the audited financial statements and disclosed to the market Growth Definition QoQ growth refers to Q1FY27 vs Q4FY26 YoY gr
AMMB Holdings Berhad — Q1 FY2027 Earnings Presentation on 6ix