9M FY2023 Financial Performance
Key Operating Ratios
9M FY2022
%
9M FY2023
YOY
3Q FY2023
2Q FY2023
QoQ
(Restated)
3Q FY2022
(Restated)
YOY
Return on Equity 4
10.7
9.3
1.4%
10.9
11.1
(0.2)%
10.3
0.6%
Net Interest Margin * (bps)
4
2.14
2.39
(25) bps
2.09
2.14
(5) bps
2.42
(33) bps
Fee to Income Ratio
29.2
22.0
7.2%
28.8
34.0
(5.2)%
25.7
3.1%
1
Loans-to-Deposit Ratio
93.0
91.6
1.4%
93.0
92.3
0.7%
91.6
1.4%
Cost to Income Ratio 2
47.9
44.9
3.0%
48.8
46.8
2.0%
45.1
3.7%
Asset Quality
Gross Impaired Loans Ratio
1.43
1.70
(27) bps
1.43
1.47
(4) bps
1.70
(27) bps
Loans Loss Coverage
127.1
122.3
4.8%
127.1
130.3
(3.2)%
122.3
4.8%
4
Net Charge Off Rate * (bps)
(31)
(45)
14 bps
(30)
(38)
8 bps
(43)
13 bps
3
Capital Adequacy
CET1 Capital Ratio
Total Capital Ratio
15.41
13.84
157 bps
15.41
15.18
23 bps
13.84
157 bps
18.77
17.15
162 bps
18.77
18.53
24 bps
17.15
162 bps
Note:
1 LDR excludes loans to banks and Fls
2 Total cost excludes amortisation of intangibles for Maybank IBG Holdings Limited
3 The capital ratios are based on an assumption of 85% reinvestment rate for periods relating to dividends under DRP, and based on full cash payment of dividends for period without DRP.
4 Quarterly positions of Return on Equity, Net Interest Margin and Net Charge Off Rate are on an annualised basis
Restated 9MFY2022 comparative information as MFRS 17 has replaced MFRS 4 Insurance Contracts for annual periods on or after 1 January 2023
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