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AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL
AMMB Holdings Berhad
Cheah Tek KuangGroup Managing Director
AmBank Group
Invest Malaysia 2011
Kuala Lumpur12 - 13 April 2011
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 1(Conventional + Islamic)
AmBank Group – staying focused on profitable growth, diversification and sustainability
• On track to deliver 4th consecutive year of record performance
• AmBank (M) & AmInvestment Bank upgraded to BBB/A-2/Stable by S&P
• FY2011 Priorities
Profitable growth, diversification & rebalancing
Faster non-interest income & deposit growth
Staying Ahead
• 30+ years banking franchise
• Top 20 on Bursa Saham
• Strategic partnership with ANZ
• Retail Banking and Business Banking
sound contributions
• Life Assurance, General Insurance and Markets
diversified portfolios yielding higher profits
• Corporate & Institutional Banking and Investment Banking
good pipeline
Well diversified Divisional contributions
• Proactive risk management
• Balance sheet positioned for rising interest rates and Basel III
• Implemented new funds transfer pricing and FRS disciplines
Improved risk and financial disciplines
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 2(Conventional + Islamic)
47.6 bil 52.6 bil 56.9 bil 64.4 bil 10.6 % 69.5 bil2 8.2%3
42.4 bil 55.8 bil 64.1 bil 70.3 bil4 18.4 % 76.9 bil5 14.2%
10.1% 14.1 % 15.2 % 15.8 % 1.9 % 15.1% 0.2%
112.3 % 94.3 % 88.8 % 91.7 % -6.9 % 90.5%6 5.0%
Transformational changes have delivered tangible results
Notes :1 CAGR based on underlying PATMI of RM556.9 mil in FY07 and RM1,009.4 mil in FY102 Includes Islamic loans sold with recourse : 9MFY10 = RM365mil and 9MFY11 =RM1,582mil3 AmBank Group’s 2-year net loans growth CAGR = 9.6%; system 2-year loans growth CAGR = 10.1%4 Includes Senior Notes of RM1.42 bil issued as at FY20105 Adjusted customer deposits includes Senior Notes RM3.39 bil, credit‐linked notes RM0.17bil, loans sold with and without recourse6 Based on net loans including loans sold with recourse, over adjusted customer deposits as above
FY07 FY10FY08 FY09CAGR
(FY07 – FY10)
Change (9MFY11vs 9MFY10)
Pe
rfo
rma
nce
PATMI
EPS
ROA
ROE
Gro
wth
Ris
k, C
apit
al &
Fu
nd
ing
Pro
file
Net Lending
Customer Deposits
Net NPL RatioGross impaired
loans
RWCR
LD Ratio
(282.5) mil 668.5 mil 860.8 mil 1,008.6 mil 21.9%1 1,026.5mil 34.0%
-5.8 % 11.5 % 11.7 % 11.5 % flat 13.9% 2.0%
-0.37 % 0.82% 1.04% 1.13% 0.50 % 1.43% 0.28%
-13.3 sen 28.2 sen 31.6 sen 34.7 sen 10.0 %1 45.3 sen 28.0%
6.2% 3.7% 2.6% 1.5% -1.6%
3.8% 3.4%
9M FY11
Annualised
N/A N/A
(Conventional + Islamic) CONFIDENTIAL AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011 3(Conventional + Islamic)
69.1%
61.5%
37.7%
36.6%
28.7%
-3.0%
10.2%
-10.0% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0%
RHB
AMMB
CIMB
PBB
HLFG
MBB
KLCIRatings FY07 9MFY2011
Am
Ban
k (M
)
RAM A2/P1/Stable AA3/P1/Stable
Fitch BBB-/F3/Stable BBB/F3/Stable
S&P BBB-/A-3/Stable BBB/A-2/Stable
Moody’s Baa2/P-3/D-/Stable Baa2/P-3/D/Stable
Capital Intelligence BBB-/A3/Stable BBB/A3/Stable
Am
Inve
stm
en
t RAM AA3/P1/Stable AA3/P1/Stable
Fitch BB+/B/Stable BBB/F3/Stable
S&P BB+/B/Stable BBB/A-2/Stable
MARC AA-/MARC-1/Stable AA-/MARC-1/Positive
Am
Isla
mic
RAM A2/P1/Stable AA3/P1/Stable
Upgraded ratingsBanking Sector Share Price Movement relative to FBM KLCI
Greater investor confidence on performances, strategy & execution focus
Source: Bloomberg, as at 11 Mar 2011
Consistent support from analysts
Index change market price close of 11 Mar 11 vs. 4 Mar 11P/EPS : EPS annualized Jan 10 – Dec 10P/BV : BV as at 31 Dec 2010Notes: TP: target price CP: weekly average closing price
Sell/Underperform/Fully valued/Reduce/Underweight
Hold / Neutral / Market perform
Buy/Outperform/Overweight/Add
Ranking Company 31 Dec 2010 1 Jan 2010YTD
Change%
1 RHBCAP 8.72 5.30 3.42 64.5%
2 AXIATA 4.74 3.05 1.69 55.4%
3 GENTING 11.24 7.34 3.90 53.1%
4 GAMUDA 3.92 2.60 1.32 50.8%
5 7.05 5.00 2.05 41.0%
6 PLUS 4.57 3.26 1.31 40.2%
7 PETDAG 12.00 8.70 3.30 37.9%
8 KLK 22.38 16.50 5.88 35.6%
9 CIMB 8.62 6.42 2.20 34.3%
10 GENM 3.51 2.81 0.70 24.9%
Rank #5…
Source: Bloomberg
Rank #2…
2010 performance of FBM KLCI's 30 components
(Note: 18 May 2007 vs. 14 Mar 2011)
AMMB
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 4(Conventional + Islamic)
Note :1in-house research as at 4 April 2011
Opportunity
• Malaysian economic recovery led by domestic demand & higher retail consumption(GDP CY 2011e : 5.5%1)
• Supportive monetary policies, continued trade surplus; domestic demand leadingthe way
• Economic Transformation Programme (ETP) & recently announced EPP’s (entry pointprojects) to mitigate global risk & moderating external demand
• System lending growth may moderate in CY2011
• Anticipating OPR hike of circa 25bps in CY2011
• Higher common equity & stable funding requirements under Basel III, but withlonger transition period
• Execute to strategic themes & strengthen market positions
• Leverage opportunities in domestic economy
• Better positioned for rising interest rates
• Leverage ANZ’s international connectivity
2Industry :Emerging
Opportunities & Challenges
1Malaysia :
Stable Outlook
3AHB :
Leveraging Tailwinds
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 5(Conventional + Islamic)
Announcement Major NKEAsTotalEPPs
InvestmentRM’bil
New jobs
Round 4(8 Mar 2011)
Wholesale & retailOil, gas & energyTourism
23 15 88k
Round 3(11 Jan 2011)
Oil, gas & energyWholesale & retailGreater KLTourism
19 67 52k
Round 2(30 Nov 2010)
Oil, gas & energy 9 8 71k
Round 1(25 Oct 2010)
Greater KL, E&EWholesale & retail
9 5 13k
ContentsEconomic Transformation Programme will benefit the banking sector– Propelling Malaysia towards becoming a High-Income, Developed Nation
4 strategic thrusts to transform Malaysia towards Vision 2020
1 Malaysia
10th Malaysia Plan
Government Transformation
Programme
Economic Transformation
Programme
Economic Transformation Programme (ETP) roadmap
RM661bil
RM442b
RM359b
RM275b RM1.7tril
USD188bil
USD523bil
USD138b
USD112b
USD86b
2009 GNI Entry Point Projects (EPP)
(BO) Biz opportunities
Other sector growth
2020 GNI target
RM23.7k GNI (USD6.7k)per capita
1 2 3
National Key Economic Activities (NKEA)
131 EPPs
>RM48k GNI (USD15k) per capita
3.3 mil new jobs
Rural 25
Urban 106
131 EPPs across Malaysia
Rural 8.7mil
Urban 19.3 mil
EPP allocation vis-à-vis population
breakdown
Total investment : USD 444 bil
Public 8%USD34 bil
Private sector 92% USD410 bil
73% domestic direct investment
8% public funding (USD34 bil) & 92% private funding (USD410 bil)
Note :GNI = gross national income NKEA = National Key Economic Activities EPP = Entry Point ProjectsSource : www.pemandu.gov.my
Shift to service-based economy to contribute 65% (current 58%)
Entry Point Projects announced todate
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL
AMMB Holdings Berhad
AmBank Group
9MFY2011
Financial Results
Ashok RamamurthyDeputy Group Managing Director &
Group Chief Financial Officer
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 7(Conventional + Islamic)
Net interest income 1,797.1 2,085.5 2,289.2 2,518.5 2,053.7 +11.1%
Fee and commission 461.3 582.1 511.2 618.2 513.0 +9.4%
Investment and trading 340.2 245.6 6.6 298.5 236.3 -5.0%
Insurance business 84.7 94.1 121.3 123.7 136.1 +46.5%
Others 61.6 28.8 (0.9) 18.2 12.4 +9.7%
Total income 2,744.9 3,036.1 2,927.4 3,577.0 2,951.4 +10.5%
Expenses 1,066.6 1,221.3 1,268.8 1,501.4 1,165.9 +7.0%
PBP 1,678.3 1,814.8 1,658.6 2,075.7 1,785.5 +13.0%
Impairments / Allowances 1,762.9 620.4 441.0 699.0 345.9 -32.5%
PATMI (282.5) 668.5 860.8 1,008.6 1,026.5 +34.0%
Strong and consistent financial performance for 9MFY2011
REPORTED
FY07 FY08 FY09 FY10RM mil 9M FY119M FY11
vs 9M FY10
Favourable growth in 9M FY11 Unfavourable growth in 9M FY11
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 8(Conventional + Islamic)
Diversified and sustainable divisional contributions
Note 1 : Life Assurance surplus is transferred into life policy shareholders’ fund in overall Group accounts
PATMI (by division)
9MFY10 results Positive growth in 9MFY11 Contraction in 9MFY11
RM'mil 9MFY10 9MFY11
Retail Banking 399.3 450.1 +12.7%
Business Banking 125.9 148.8 +18.2%
Corporate & Institutional
Banking (CIB) 124.8 153.5 +23.0%
Investment Banking 104.2 90.5 -13.1%
Markets 88.6 151.2 +70.7%
Assurance 56.7 97.8 +72.5%
Life Assurance 19.1 51.6 +>100%
General Insurance 37.6 46.2 +22.9%
Operating Segments (132.6) (65.4) +50.7%
9MFY11 vs
9MFY10
Retail, 44%
Business,14%CIB, 15%
Investment, 9%
Markets, 15%
Life, 5%
General,4%
Operating-6%
PATMI contribution %
10%
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 9(Conventional + Islamic)
53.5 56.9 59.766.6
71.9
FY07 FY08 FY09 FY10 9MFY11
RM'bilGross Loans
Balancing loans and strong customer deposits growth
9MFY10 results Positive growth in 9MFY11 Contraction in 9MFY11
40.2
51.658.4 62.4
67.35.3
6.3
6.88.4
9.5
FY07 FY08 FY09 FY10 9MFY11
RM'bil
Customer Deposits
CASA All other deposits
Customer 45.5b 57.9b 65.2b 70.8b 76.9bdeposits 1
p 7.9% p 8.6%
RM'mil 9MFY10 9MFY11
Balance Sheet - Lending / Financing
Gross Loans / Financing 66,311.7 71,874.8 +8.4%
Net Loans / Financing 64,238.9 69,529.0 +8.2%
Balance Sheet - Deposits
Customer Deposits 67,292.6 76,851.6 +14.2%
LD Ratio 95.5% 90.5% -5.0%
CASA Deposits 8,227.8 9,540.2 +16.0%
CASA Proportion 12.3% 13.5% +1.2%
9MFY11 vs 9MFY10
1
2
2
Note :1Adjusted Customer Deposits : includes RM3.39 bil Senior Notes, RM0.17bil credit-linked notes, loans sold with and without recourse2LD : net loans including loans sold with recourse / adjusted customer deposits + loans sold with and without recourse
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 10(Conventional + Islamic)
Asset quality benefitting from differentiated product growth strategies
Asset Quality Indicators
Net NPL Gross NPL Loan loss coverage Gross impaired loans Allowance coverage
4.28 5.78
4.60 3.18
2.02 1.50 1.01 2.54 2.47 2.56 2.41
39.3% 32.2% 36.7%
56.6%67.3%
75.1%
99.5%89.1% 93.7% 95.5% 97.4%
-60%
-20%
20%
60%
100%
-
5.0
10.0
15.0
RM'bil
6.06
7.60
6.145.53
3.602.43
1.87
FRS 139
Allowance coverage9MFY11 / Day1 change h8.3%
Gross impaired loans9MFY11 / Day1 change i5.1%
2.24%1.92% 1.73% 3.18%
0.97% 0.60%0.88%
0.56% 0.59% 0.69%
14.8%
17.4%
12.4%
10.4%
6.3%
4.1%2.8%
3.8% 3.6% 3.6% 3.4%
10.9%
13.8%
9.6%
6.2%
3.7%2.6%
1.5%
0%
5%
10%
15%
20%
FRS 139
Gross impaired loans %9MFY11 / Day1 change i0.4%
Gross impaired loans Loan loss chargeGross NPL ratio Net NPL ratio Net provisions charge
FY2004 FY 2005 FY 2006 FY 2007 FY 2008 FY 2009 FY2010 Day 1 Q1FY11 H1FY11 9MFY11
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 11(Conventional + Islamic)
Portfolio rebalancing towards viable segments and diversification on track
Gross Loan / Financing movement (gross before netting loans sold to Cagamas)
by Interest Rate Typeby Retail & Business / Corporate
FY08
RM'bil
Retail
Biz / Corp & others10.8 9.9
1.2
13.8
11.6
1.4
Business Banking (ex GLR)
Corporate & Institutional
Banking
Others
17.9%
12.7%
27.2%
FY08
RM'bil
Retail
Biz / Corp & others
24.4
13.6
0.9 0.9 2.0 2.5
14.0
1.02.3
Auto Financing Mortgage Credit Cards Line of Credit Co-Op Asset Financing
RM'bil Dec '10 Dec '09
3.3%
7.4%
4.9%11.0%
10.9%
0.2%
2.6
0.8
24.3
Loan Composition %33.9% 19.6% 1.4% 1.2% 3.7%3.1% 19.2% 16.2% 1.9%
Retail (63%) Business / Corporate (37%)
Retail banking loans growth : 1.6%
RM'bil Mar-08 Mar-09 Mar-10 Dec-10
Retail 74% 72% 65% 63%
Biz / Corp & others 26% 28% 35% 37%
RM'bil Mar-08 Mar-09 Mar-10 Dec-10
Fixed rate :
Conventional 47% 43% 39% 36%
Islamic 15% 17% 17% 15%
62% 60% 56% 51%
Variable rate :
Conventional 38% 40% 43% 46%
Islamic 0.1% 0.3% 1.6% 3.7%
38% 40% 44% 49%
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 12(Conventional + Islamic)
1,165 1,430 1,701 2,035
2,388 2,583
341 383 352 449
583 428
-1200
-400
400
-
2,000
4,000
Gross PremiumFund Assets
Life Fund Assets Gross Premium
602 696
811 902
1,017
1,135
438 476 546 586 624 488
-2,000
-1,000
0
-
500
1,000
1,500
Gross PremiumFund Assets
General Fund Assets* Gross Premium
39,941 92,845 49,908 46,596
60,497
7%8% 8% 8% 8%
-5.0%
0.0%
5.0%
10.0%
-
40,000
80,000
120,000
Market ShareTrading Value
Trading Value Market Share
10,219
14,976 18,291
15,954 19,273
24,215
14%
17%15%
14%13% 12%
-10.0%
0.0%
10.0%
-
10,000
20,000
30,000
Market ShareAUM
Asset Under Management Market Share
Institutional & Unit Trust AUM
p 26%
Good momentum in Assurance and key Investment Banking portfolios
FY06 FY07 FY08 FY09 FY10 9MFY11 FY06 FY07 FY08 FY09 FY10 9MFY11
General Insurance
*Prior to December 2008, based on general funds per BNM DGI returns. December 2008 & post December 2008 based on BNM DGI returns with total asset (general funds + shareholders’ funds)
RM’mil
2006 2007 2008 2009 2010
Brokerage
Life Assurance
p 8%p 12%
Unit trust : Institutional funds at ratio 55% : 45%
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 13(Conventional + Islamic)
Strong capital position and improving returns
Notes :
1 Proforma including unappropriated profits of AmIslamic and AmInvestment Group
2 Capital adequacy by legal entity, 9MFY2011 (after proposed dividends)
- AmBank (M) Berhad Tier 1 : 10.1%, RWCA : 15.0% - AmInvestment Bank Berhad Tier 1 : 25.1%, RWCA : 25.1% - AmIslamic Bank Berhad Tier 1 : 9.1%, RWCA : 14.0%
5.8% 7.6% 7.7% 8.1% 7.3%
6.8%8.5% 9.7% 10.3% 9.4%10.1%
14.1%15.2% 15.8% 15.1%
FY2007 FY2008 FY2009 FY2010 9MFY2011RWCA Tier 1 Ratio Common Equity Ratio
Proforma 1
15.2%
9.5%
7.4%
Capital adequacy Capital management plan
1. Optimise capital profile & buffer
2. Increase scenario modeling
3. Streamline corporate structures
4. Develop dynamic dividend policy
5. Proactively manage Basel III requirements
(13.3)
28.2 31.6 34.7 45.3
EPS, basicsen/share
-0.17%
1.02% 1.04% 1.13% 1.43%
ROA, %
FY07 FY08 FY09 FY10 9MFY11 FY07 FY08 FY09 FY10 9MFY11 FY07 FY08 FY09 FY10 9MFY11
9MFY11 / FY10 change h2.4%FY10 / FY09 change i0.2%
9MFY11 / FY10 change h0.30%FY10 / FY09 change h0.09%
9MFY11 / FY10 change h30.5%FY10 / FY09 change h9.8%
Profitability
(Conventional + Islamic) CONFIDENTIAL AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011 14(Conventional + Islamic)
ANZ’s super regional presence and aspirations, a significant advantage to AmBank Group
2011 – 2017
Realise full potential of Super Regional aspiration
Capturing value:
• To Asia
• Within Asia
• From Asia
( ) – number of branches & representative offices in each country
Director
Dr. Robert John EdgarBoard
Director
Alex Thursby
Senior Management
Deputy Group MD & Group CFO
Ashok Ramamurthy
Chief Risk Officer
Andrew Kerr
Chief General Manager, Transformation, Channels & Sales
ManagementHead, Governance &
ProvisioningHead, Market Risk
Head, Systems Accounting2
Chief Operations Officer
Ross Neil Foden
Director
Mark Whelan
Head, FX & Derivatives
ANZ has provided key resources and support to AmBank Group
Senior General Manager,
Transaction Banking
APEA sourced revenue to drive 25% - 30% of Group profit1
Notes :1 ANZ’s 2017 aspiration2 support role
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 15(Conventional + Islamic)
Competitive positioning continues to strengthen
Sound size and market position in key business segments
Recognized brand name & customer franchise
Wide market reach and multiple distribution channels
Strategic partnership with global partner, ANZ
Experienced management team
Solid corporate structure & franchise value
• Well diversified universal bank & # 4 largest banking group (market capitalization)
• # 4 retail bank, # 5 business and CIB lending
• Top 2 investment bank, #5 Islamic banking, #7 general insurance
• Strong customer-focus, lead in customer satisfaction
• Large retail and corporate client base provides high cross-selling potential
• Award-winning products and services
• 190 branches, #4 largest ATM network (804), 402 ATMs @ 7/11 and 143 EBC’s
• eChannels : internet banking, mobile banking and 24 hour call centre
• Pioneer in weekend banking concept
• ANZ value adds through leadership & management, product development, technical expertise and two way customer flows
• Experienced management team with key ANZ appointments
• Industry experts, international and domestic best practices
• Performance based culture, all levels
• Strong key shareholders, common aspirations
• Improvement in stock valuation & upgrades in credit ratings
(Conventional + Islamic) CONFIDENTIAL AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011 16(Conventional + Islamic)
Strategic business transformation
• Complete structural realignment to improve target segment focus• Develop customer centric retail business model - part of AmHorizon• Implement account plans for business customers and increase SOW• Expand product offerings and build new capabilities in Markets Division
Growth initiatives
• Commence leveraging ANZ international connectivity – agree business principles and priorities
• Develop new wealth management strategy and commence execution• Enhance international trade and cash management business• Develop new family Takaful business with FP
Governance and
Enablement Functions
• Implement new retail and non retail PD/ LGD models, Security Indicators, Collateral Management, and Market risk systems (VIPER)
• Implement Basel III, capital allocations and new ALM system• Consolidate Operations into a new Centre of Excellence• Finalize vendor and commence core banking system replacement
* FTP = funds transfer pricing
To become Malaysia’s Preferred Banking Group with International Connectivity
• customer satisfaction
• sound financial performances
• well diversified and sustainable growth
As measured by
Key Strategic Thrusts1
Note 1 : for FY2011
(Conventional + Islamic) CONFIDENTIAL AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011 17(Conventional + Islamic)
PATMI ~
ROE
CTI
Net NPL ratio /Gross impaired loans
Dividend:Gross
Payout
Medium Term Aspirations and estimates
# Previous guidance : 25-30%
* Adjusted for possible Basel III impacts on ACE^ Previously 12-15% sustainable profit growth
*
~ PATMI = profit after tax and minority interests
FY07 FY 08 FY 09 FY 10 9MFY 11 FY 2011 EstimateMedium Term
Aspirations (MTA)2012 - 2016
- RM282.5 mil
RM668.5
mil
RM860.8mil
RM1,008.6
mil
RM1,026.5
mil
circa 30%
#
14 – 18%
CAGR ^
- 5.8% 11.5% 11.7% 11.5% 13.9% circa 13% *FY13 onwards :
15 – 18% *
37.1% 39.6% 43.3% 42.0% 39.5% circa 40% 40 - 42%
6.2% 3.7% 2.6% 1.5% / 3.8% 3.4% circa 3.5% circa 2.5%
5.0 sen / share
(loss year)
6.0 sen / share
18.3%
8.0 sen / share
19.0%
10.5 sen / share
28.1%
H1FY11 interim
6.0 sen / share
25.8%
35 – 40% *
payout
≥ 40% *
payout
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL 18(Conventional + Islamic)
1. Good 9MFY2011 performance, portfoliodiversification on track for FY2011
2. Growth momentum expected tomoderate in FY2012 due to lower GDPgrowth (CY2011)
3. Strong foundations and clear mediumterm strategies
4. International connectivity with ANZ andaccess to world class “IP” and resources
5. Disciplined execution and governancerequired for sustainable performance
(Conventional + Islamic) CONFIDENTIAL AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011 19(Conventional + Islamic)
Diversified (public) and committed major shareholders
As at 31 December 2010
# ANZ Funds Pty Ltd : a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (“ANZ”)
100% 70%*100%
100%
AmInvestmentBank Berhad
16.8% 11.8% 47.6%
Employees Provident Fund Board
AMMB Holdings Bhd
Amcorp Group Bhd Other shareholders
AmBank (M) Berhad
AmIslamic Bank Bhd
^ Insurance Australia Group Ltd – 49%
ANZ Funds Pty Ltd #
23.8%
AMFB Holdings Bhd
100%
51%^
AMAB Holdings Sdn Bhd
100%
AmG Insurance Berhad
AmLife Insurance Berhad
* Friends Provident Fund PLC – 30%
AmInvestmentGroup Berhad
100%
AHB completed acquisition of 100% equity interest in AmIslamic on 28 Feb 2011
AMBANK GROUP – INVESTOR RELATIONS – PRESENTATION INVEST MALAYSIA 12-13 APRIL 2011CONFIDENTIAL
The material in this presentation is general background information about AmBank Group’s activities current at the date of the presentation. It is information given in summary form and does not purport to be complete. It is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor.
These should be considered, with or without professional advice when deciding if an investment is appropriate.
For further information, visit :
www.ambankgroup.com
or contact
Ganesh Kumar Nadarajah
Group General Manager, Group Investor Relations
Tel : +603 2036 1435 Fax : +603 2031 7384 e-mail : ganesh-kumar@ambankgroup.com or+6012 2974799 ir@ambankgroup.com
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