Financial Results Presentation
38
Maybank Singapore: Overview of Loans and Deposits Portfolio
Diversified Loan Portfolio
Consumer deposits' composition rose to 53% of total deposits
SGD Billion
% of
Portfolio
30 Jun 31 Dec
YTD
30 Jun
YOY
2019
2018
Ann.
2018
(3.0)% YoY
CFS
54%
22.9
22.6
2.7%
22.5
1.6%
47.0
46.2
45.6
Consumer
39%
16.6
16.4
3.0%
16.4
1.5%
■Consumer -
Time Deposits
16.5
15.9
16.2
Housing Loan
25%
10.9
10.9
0.7%
10.9
(0.1)%
Consumer
53 %
Consumer CASA
Auto Loan
6%
2.5
2.4
10.6%
2.3
8.0%
7.0
7.8
7.8
Cards
1%
0.4
0.4
(6.0)%
0.4
(0.2)%
Others
7%
2.8
2.7
7.2%
2.7
2.7%
Non-Individuals
15%
6.3
6.2
1.8%
6.2
1.8%
SGD billion
16.5
15.5
15.2
Corporate
47 %
■■■Business Time
Deposits
7.0
6.9
6.3
Business CASA
RSME
3%
1.5
1.4
9.2%
1.3
14.6%
Jun 18
Dec 18
Jun 19
Business Banking
8%
3.4
3.4
(1.4)%
3.4
(1.8)%
Others
3%
1.5
1.4
1.9%
1.5
1 (0.8)%
Global Banking
46%
19.9
19.7
1.9%
19.3
3.0%
Total
100% 42.9
42.4 i 2.4%
41.9 2.3%
Maybank Singapore loans rose 2.3% YoY
Deposits fell 3.0% YoY largely due to lower business time and
CASA deposit. Share of consumer deposit improved from 50%
to 53% YoY
Growth in consumer CASA led to higher overall CASA ratio from
29.8% to 30.8% YoY
% YoY change
9.9%
7.8%
5.3%
8.9%
7.1%
4.5%
3.8%
3.4%
3.9%
2.3%
Jun 18
Sep 18
Dec 18
Mar 19
Jun 19
Maybank Singapore Growth
Industry Growth
SGD billion
■Time Deposits
■Demand Deposits
33.0
31.5
31.5
■Savings
7.8
7.6
7.0
CASA Ratio:
30.8%
6.2
7.0
7.1
Jun 18
Dec 18
Jun 19
MaybankView entire presentation