Investor Presentaiton
Total Provisions
4Q21
3Q21
FY21
(RM 'mil)
Q-0-Q
FY20
Y-o-Y
BAU^
BAU^
BAU^
Loan Impairment
717
529
35.5%
2,614
5,342
(51.1%)
Commitment & Contingencies
68
44
54.5%
110
192
(42.7%)
Debt instruments / securities
104
18
477.7%
153
749
(79.6%)
Others
259
10
>1,000%
280
515
(45.6%)
Total
1,148
601
91.0% 3,157
6,798
(53.6%)
Total Provisions Breakdown
(RM 'mil)
I
6,798
MEF & Overlay
1,148
1,663
Covid-19 related
328
I
601
Underlying
1,801
3,157
O Credit related/
400
435
893
Significant IA
1,716
675
One-off non
13
311
recurring write
1,506
238
1,682
back
109
83
(85)
(64)
3Q21
BAU^
4Q21
BAU^
FY20
FY21
BAU^
Σ
Λ
Notes: Excludes exceptional items of 2Q21: RM11 mil; 3Q21: RM1,204 mil
> Commitments & contingencies lower.
YoY from lower MEF & overlays
> Debt Instruments / securities were
significantly lower YoY but higher
QoQ due to impact of provisions on
an Oil and Gas exposure
> Others significantly lower YoY despite
booking a provision amounting to
RM281 mil in 4Q21 related to the
double crediting of customers as we
made large provisions in 2020 for the
airline-related derivatives exposure
FY21 overlays mainly attributed to
Malaysia and Indonesia Consumer
and Commercial
> Covid-19 related provisions QoQ
higher due to Malaysia corporate,
however significantly lower on YoY
basis
> Credit related QoQ mainly higher from
Indonesia Corporate. YoY lower from
absence of large provision from
Singapore Commercial and Corporate
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