Investor Presentaiton
Operating Income
(RM 'mil)
2Q23
Q-0-Q
1H23
Y-o-Y
Net interest income
3,646
3.5%
7,168
(0.8%)
Non interest income
1,688
14.4%
3,163
32.0%
Total
5,334
6.7%
10,331
7.4%
NII +3.5% QoQ underpinned by loan growth.
NII was muted YoY with NIM contraction from
elevated cost of deposits and T&M operations
ā NIM weakened QoQ and YoY driven by T&M.
Loan-related NIM recovered in 2Q23
> Strong NOIl growth QoQ and YoY from T&M
and FX income, as well as gains on sale of
impaired loans in Indonesia and Thailand
Net Interest Margin*
NOII Breakdown
1H22
1H23
Fee & others
Trading & FX
2.47%
2.25%
+14.4% Q-o-Q
+32.0% Y-o-Y
2.55% 2.57%
3,163
2.47%
1,688
2,397
1,475
2.26%
2.24%
+16.0%
+6.0%
1,577
847
730
1,488
745 +12.9%
841
+74.5% 1,586
909
2Q22
3Q22
4Q22
1Q23
2Q23
1Q23
2Q23
1H22
1H23
Notes: * Annualised
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