Malayan Banking Berhad Financial Analysis
Healthy Liquidity Levels
Liquidity Indicators
Key Drivers
LCR
LDR
NSFR
•
Liquidity Position
Healthy Group liquidity ratios with NSFR and LCR levels
above regulatory requirements
144.2%
136.4%
117.0%
145.4%
118.1%
107.9%
•
89.5%
91.6%
91.6%
Dec 21
Sep 22
Group Gross Deposits
Dec 22
4Q'22 vs 3Q'22
(0.0)%
4Q'22 vs 4Q'21
+3.5%
Deposits
617.7
639.4
82.8
88.5
639.4
89.1
+0.7%
+7.7%
RM billion
244.1
270.8
288.6
+6.6%
+18.2%
290.8
280.1
261.7
(6.6)%
(10.0)%
Dec 21
Group
CASA
Ratio
47.1%
Sep-22
43.8%
Dec 22
40.9%
CASA
■FD
Others
Note:
1)
BNM's minimum LCR and NSFR requirements are 100%
2)
LDR excludes loans to banks and Fls
•
Group gross deposits grew 3.5% YoY supported by:
。 5.4% increase in MY driven by growth of 17.1% in FD and 8.2%
in other deposits while CASA reduced -2.8%
。 0.4% increase in SG as FD grew 33.7% offset with CASA decline
of 34.5% as customers were more price sensitive
。 Offset with 7.9% reduction in IDN on FD reduction (-15.3%)
while CASA remained strong (+0.4%)
Although Group CASA ratio was lower at 40.9% from 47.1% a year
ago, it remained above pre-pandemic levels (Dec' 19: 35.5%):
。 MY CASA ratio 45.1% at Dec'22 (Dec'21: 49.3%, Dec' 19: 38.7%)
。 SG CASA ratio 31.9% at Dec 22 (Dec'21: 48.8%, Dec' 19: 29.1%)
。 IDN CASA ratio 51.3% at Dec'22 (Dec'21: 47.0%, Dec' 19: 36.5%)
.
QoQ, Group deposits remained stable as reduction of 0.7% in MY
and 1.1% in IDN was offset with growth of 0.9% in SG. FDs grew
6.6% offsetting CASA outflow of 6.6%
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