FY2023 M25+ Progress: Enhancing Digital Banking
Malaysia Loans Growth: 31 March 2023
RM billion
Community Financial Services (reported)
Community Financial Services (rebased)1
Consumer
Total Mortgage
Auto Finance
% of Portfolio 31 Mar 2023
31 Dec 2022
QoQ
YTD Annualised 31 Mar 2022
YOY
77%
279.7
278.4
▲ 0.5%
1.9%
263.0
6.4%
77%
279.7
278.2
0.5%
2.1%
263.0
6.4%
61%
223.3
222.6
0.4%
1.4%
210.6
6.0%
34%
125.1
123.0
1.6%
6.6%
117.0
6.9%
16%
60.0
58.8
2.0%
8.0%
54.8
9.4%
Credit Cards
2%
8.8
8.8
(0.6)%
(2.3)%
7.4
18.2%
Unit Trust
8%
27.4
29.7
(7.8)%
(31.0)%
29.1
(6.1)%
Other Retail Loans
1%
2.2
2.2
(2.7)%
(10.8)%
2.2
(3.3)%
Business Banking + SME (reported)
15%
56.4
55.8
1.0%
3.9%
52.4
7.6%
Business Banking + SME (rebased)1
15%
56.4
55.7
1.2%
4.8%
52.4
7.6%
SME (reported)
7%
26.4
26.3
0.4%
1.4%
24.2
8.8%
SME (rebased)1
7%
26.4
25.7
2.5%
10.1%
24.2
8.8%
Business Banking (reported)
8%
30.0
29.5
1.5%
6.2%
28.1
6.6%
Business Banking (rebased)1
8%
30.0
30.0
0.1%
0.3%
28.1
6.6%
Global Banking (Corporate) (reported)
23%
83.5
84.3
(0.9)%
(3.6)%
83.0
0.6%
Term Loan
58%
48.7
48.6
0.2%
0.7%
49.0
(0.6)%
Short Term Revolving Credit
29%
24.2
25.5
(5.1)%
(20.6)%
22.4
8.0%
Trade Finance and Others
13%
10.6
10.2
4.6%
18.5%
11.6
(8.5)%
Global Banking (Corporate) (rebased)1
23%
83.5
84.4
(1.0)%
(4.2)%
83.0
0.6%
Total Malaysia
363.7
362.9
0.2%
0.8%
345.9
5.1%
Note: 1 Rebased loan growth figures are based on adjusted 31 December 2021 position in line with migration of client accounts, effective 1 January 2022
'Term Loan' includes foreign currency denominated accounts, while 'Trade Finance and Others' is combined with 'Overdraft'
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