a. AMMB Holdings Bhd

COA

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

Mar-2000

Dec-2000

Mar-2001

Jun-2001

Sep-2001

Dec-2001

Mar-2002

Jun-2002

Sep-2002

Dec-2002

Mar-2003

Jun-2003

Sep-2003

Dec-2003

Mar-2004

Jun-2004

Sep-2004

Dec-2004

Mar-2005

Jun-2005

Sep-2005

Dec-2005

Mar-2006

Jun-2006

Sep-2006

Dec-2006

Mar-2007

Jun-2007

Sep-2007

Dec-2007

Mar-2008

Jun-2008

Sep-2008

Dec-2008

Mar-2009

Jun-2009

Sep-2009

Dec-2009

Mar-2010

Jun-2010

Sep-2010

Dec-2010

Mar-2011

Jun-2011

Sep-2011

Dec-2011

Mar-2012

Jun-2012

Sep-2012

Dec-2012

Mar-2013

Jun-2013

Sep-2013

Dec-2013

Mar-2014

Jun-2014

Sep-2014

Dec-2014

Mar-2015

Jun-2015

Sep-2015

Dec-2015

Mar-2016

Jun-2016

Sep-2016

Dec-2016

Mar-2017

Jun-2017

Sep-2017

Dec-2017

Mar-2018

Jun-2018

Sep-2018

Dec-2018

Mar-2019

Jun-2019

Sep-2019

Dec-2019

Mar-2020

Jun-2020

Sep-2020

Dec-2020

Mar-2021

Jun-2021

Sep-2021

Dec-2021

Mar-2022

Jun-2022

Sep-2022

Dec-2022

Mar-2023

Jun-2023

Earnings Quality Score

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

70

88

90

77

51

33

39

47

64

59

58

45

19

17

29

38

47

77

80

22

28

24

31

50

52

57

70

78

77

78

60

35

36

33

11

23

50

43

21

36

31

Period End Date

31-Mar-2000

31-Dec-2000

31-Mar-2001

30-Jun-2001

30-Sep-2001

31-Dec-2001

31-Mar-2002

30-Jun-2002

30-Sep-2002

31-Dec-2002

31-Mar-2003

30-Jun-2003

30-Sep-2003

31-Dec-2003

31-Mar-2004

30-Jun-2004

30-Sep-2004

31-Dec-2004

31-Mar-2005

30-Jun-2005

30-Sep-2005

31-Dec-2005

31-Mar-2006

30-Jun-2006

30-Sep-2006

31-Dec-2006

31-Mar-2007

30-Jun-2007

30-Sep-2007

31-Dec-2007

31-Mar-2008

30-Jun-2008

30-Sep-2008

31-Dec-2008

31-Mar-2009

30-Jun-2009

30-Sep-2009

31-Dec-2009

31-Mar-2010

30-Jun-2010

30-Sep-2010

31-Dec-2010

31-Mar-2011

30-Jun-2011

30-Sep-2011

31-Dec-2011

31-Mar-2012

30-Jun-2012

30-Sep-2012

31-Dec-2012

31-Mar-2013

30-Jun-2013

30-Sep-2013

31-Dec-2013

31-Mar-2014

30-Jun-2014

30-Sep-2014

31-Dec-2014

31-Mar-2015

30-Jun-2015

30-Sep-2015

31-Dec-2015

31-Mar-2016

30-Jun-2016

30-Sep-2016

31-Dec-2016

31-Mar-2017

30-Jun-2017

30-Sep-2017

31-Dec-2017

31-Mar-2018

30-Jun-2018

30-Sep-2018

31-Dec-2018

31-Mar-2019

30-Jun-2019

30-Sep-2019

31-Dec-2019

31-Mar-2020

30-Jun-2020

30-Sep-2020

31-Dec-2020

31-Mar-2021

30-Jun-2021

30-Sep-2021

31-Dec-2021

31-Mar-2022

30-Jun-2022

30-Sep-2022

31-Dec-2022

31-Mar-2023

30-Jun-2023

LDBT

Deposits from Customers - Total(No b/d)

10,682

10,492

11,290

11,271

8,927

10,616

9,379

9,378

8,003

11,809

12,348

11,448

12,161

12,523

11,443

11,781

12,480

12,747

12,187

11,529

13,317

13,849

14,641

14,769

12,268

14,473

17,441

15,776

14,516

15,787

7,117

16,093

15,341

17,166

6,135

5,973

5,623

6,110

4,315

3,908

2,631

6,082

4,272

4,316

3,192

2,247

3,915

3,778

5,570

4,375

3,153

2,982

3,490

5,730

4,121

2,126

2,819

3,023

2,302

3,068

2,861

2,685

1,214

2,507

1,750

3,048

1,529

3,953

3,514

4,555

3,433

7,730

6,810

6,044

7,688

9,208

8,923

10,949

10,022

8,201

7,677

8,682

9,921

10,807

8,422

7,980

9,895

11,985

11,729

10,156

11,462

10,733

Calculate the net deposit drain by subtracting the change the deposits between the quarters (Quarter (3)- 30-Sep-2003) to (Quarter (2)30-Jun-2023) .

(Hint 1: Please consider the use of the change in the deposit drain between quarters as follows as follows:

For example first observation for change of the value of deposits.

= [ Quarter (4)Dec-2003 - Quarter (3)- 30-Sep-2003] / Quarter (3)- 30-Sep-2003

(Hint2: For AMMB bank use deposit from customers.

Assuming normal distribution and 95% confidence level, what is the expected increase or decrease in the deposit size for the third quarter 2023?