AMMB's Q1FY25 PATMI Increases 32% To RM500 Million
AMMB's Q1FY25 PATMI Increases 32% To RM500 Million
Net impairment charges this quarter were lower at RM12.3 million (Q1FY24: RM190.4 million) due to lower impairment charges in Retail Banking and Business Banking with higher forward-looking reversals arising from favourable changes in macroeconomic variables.AMMB reported a net income of RM1.17 billion while NII grew 6.4% YoY to RM860.9 million (Q1FY24: RM808.7 million), on the back of a 13-bps NIM expansion to 1.89% (Q1FY24: 1.76%).
AmmB公佈的淨收入爲11.7令吉，而NII同比增長6.4％，至86090萬令吉（Q1FY24：80870萬令吉），這要歸因於Nim增長了13個點子至1.89％（Q1FY24：1.76％）。
The bank said gross loans, advances and financing grew 2.9% YoY mainly led by Business Banking loans growth of 16.5% YoY. NoII was 19.2% lower YoY to RM317.6 million (Q1FY24: RM393.2 million) due to non-repeat of the AmGen divestment gain of RM51.1 million and lower trading and securities gain. Continuing Operations' net income of RM1,178.5 million was 2.4% higher YoY, led by NII growth of 6.4%, offset by a 7.1% decline in NoII.
該銀行表示，貸款、預付款和融資總額同比增長2.9％，主要受商業銀行貸款同比增長16.5％的帶動。NoII同比下降19.2％，至31760萬令吉（Q1FY24：39320萬令吉），這是由於安進撤資收益5110萬令吉沒有重複，交易和證券收益也有所減少。持續經營業務淨收入爲117850萬令吉，同比增長2.4％，其中NII增長6.4％，被NOII下降7.1％所抵消。
Overall expenses were up by 2.5% YoY to RM520.6 million, increasing CTI to 44.2% (Q1FY24: 42.2%). PBP was 5.2% lower YoY at RM657.9 million (Q1FY24: RM694.2 million). Continuing Operations' PBP of RM657.9 million, however, was 2.3% higher YoY.
總支出同比增長2.5％，達到52060萬令吉，使CTI增加到44.2％（Q1FY24：42.2％）。人民銀行同比下降5.2％，至65790萬令吉（Q1FY24：69420萬令吉）。然而，持續經營業務的市盈率爲65790萬令吉，同比增長2.3％。
Net impairment charges this quarter were lower at RM12.3 million (Q1FY24: RM190.4 million) due to lower impairment charges in Retail Banking and Business Banking with higher forward-looking reversals arising from favourable changes in macroeconomic variables.
本季度的淨減值費用下降至1230萬令吉（Q1FY24：19040萬令吉），這是由於零售銀行和商業銀行的減值費用降低，以及宏觀經濟變量的有利變化導致前瞻性逆轉增加。
As a result, AMMB said its PATMI grew 32.2% YoY to RM500.2 million, culminating in an improved annualised ROE of 10.2%. ROA also improved to 1.02% (Q1FY24: 0.83%). Continuing Operations' PATMI of RM500.2 million grew 42.0% YoYThe Group's GIL ratio was at 1.70% (FY24: 1.67%) with a LLC (including regulatory reserves) of 107.6% (FY24: 109.5%). The Group continues to monitor its asset quality vigilantly.
因此，AmmB表示，其PATMI同比增長32.2％，至5002萬令吉，最終年化投資回報率提高了10.2％。投資回報率也提高到1.02％（Q1FY24：0.83％）。持續經營業務的5002萬令吉的PATMI同比增長42.0％。該集團的GIL比率爲1.70％（24財年：1.67％），有限責任公司（包括監管儲備金）爲107.6％（24財年：109.5％）。該集團繼續警惕地監測其資產質量。
Total gross loans, advances and financing decreased by a marginal 1.1% YTD to RM132.7 billion (FY24: RM134.1 billion), mainly due to a large loan repayment in Wholesale Banking, offset by growth in Business Banking (increased RM0.6 billion or + 1.5% YTD)
貸款、預付款和融資總額年初至今小幅下降了1.1％，至1327令吉（24財年：1341令吉），這主要是由於批發銀行的巨額貸款還款，但商業銀行業務的增長（年初至今增長了6令吉或+ 1.5％）所抵消
AmBank Group Chief Executive Officer, Mr Jamie Ling said, "We have achieved a strong start to our FY25. We delivered a 32% increase in PATMI to RM500.2 million. We improved our NIM and delivered an annualised ROE of 10.2% and ROA of 1.02%."
大馬銀行集團首席執行官傑米·林表示：「我們在25財年取得了良好的開端。我們的PATMI增長了32％，達到50020萬令吉。我們提高了淨資產收益率，年化投資回報率爲10.2％，投資回報率爲1.02％。」
譯文內容由第三人軟體翻譯。
