FY2023 M25+ Progress: Enhancing Digital Banking
Market Share Overview for Community Financial Services Malaysia
Market share
Dec-21
Mar-22 Jun-22 Sep-22
Dec-22
Mar-23
Loans
Total consumer
18.6%
18.6%
18.6%
18.7%
18.7%
18.7%
Auto (Retail Hire Purchase)
30.2%
30.3%
30.3%
30.4%
30.4%
30.2%
Total mortgage
*
14.7%
14.7%
14.7%
14.7%
14.8%
14.8%
Credit cards **
20.3%
20.7%
21.0%
20.9%
21.1%
21.0%
Deposits
Total deposits
***
17.9%
17.9%
18.2%
18.2%
18.0%
18.0%
Total core retail deposits
Λ
18.2%
18.1%
18.3%
18.0%
17.9%
17.8%
Retail CASA ^
25.8%
25.5%
25.7%
25.2%
25.0%
25.3%
Retail savings ^
28.8%
28.5%
28.8%
28.3%
28.3%
28.6%
Demand deposits
Λ
19.7%
19.2%
19.1%
18.7%
18.2%
18.3%
Retail fixed deposits
Λ
13.1%
13.2%
13.4%
13.5%
13.8%
13.6%
Channels
Internet banking - Subscriber base
38.7%
38.5%
38.1%
38.2%
37.8%
37.5%
Mobile banking - Subscriber base
29.3%
29.6%
29.3%
28.7%
27.2%
28.2%
Σ
Internet banking - Transaction Volume ^^
49.6%
49.5%
49.3%
49.5%
50.2%
51.6%
Mobile banking - Transaction Volume
56.3%
54.7%
54.5%
54.0%
53.1%
51.8%
Branch network [
19.5%
19.5%
19.6%
19.6%
19.3%
19.3%
Note:
Refers to housing, shophouse and other mortgage loans
** Credit cards market share refer to receivables for
commercial banks
*** Total bank deposits inclusive of investment asset ("IA")
Industry number from ABM, latest data as at Mar'23
^ Without IA. With IA, the market share as at Mar'23 for
Total Core Retail Deposits, Retail CASA, Retail Savings,
Demand Deposits and Retail Fixed Deposits are 17.9%, 27.1%,
28.6%, 24.2% and 14.1% respectively (against MBB retail IA)
ΛΛ
Excluding non-financial transactions as per BNM guidelines
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