Malayan Banking Berhad Financial Analysis
Asset Quality
Allowances for losses on loans
GIL Ratio Composition
P&L ECL
(RM million)
4Q
FY2021
1Q
2Q
3Q
FY2022 FY2022 FY2022
4Q
FY2022
FY2021 FY2022
Dec
2021
Mar
Jun Sep
2022 2022 2022
Dec
2022
Stage 1, net
(320)
(166)
(52)
329
(205)
(590)
(94)
Non Performing Loans
(NPL)
1.28%
1.59% 1.41%
1.27% 1.22%
Stage 2, net
(1,062)
27
(57)
(274)
129
602
(175)
Stage 3, net
1,604
647
1,059
655
563
2,873
2,924
Restructured &
0.05%
0.04% 0.04% 0.07% 0.07%
Rescheduled (R&R)
Write-offs
34
22
17
21
27
83
87
Performing Loans
Recoveries
(103)
(87)
(130)
(139)
(207)
(325)
(563)
Impaired Due to
0.66%
0.32% 0.36% 0.36% 0.28%
Other debts
4
0
1
8
2
15
11
Judgmental/ Obligatory
Triggers (IPL)
Total
157
443
838
600
309
2,659
2,189
GIL Ratio
1.99%
Of which:
Group Community Financial Services (GCFS)
840
657
Malaysia
Group Global Banking (GGB)
1,815
1,522
Singapore
Group Insurance & Takaful (Etiqa)
4
11
Indonesia
1.95% 1.81% 1.70% 1.57%
1.19% 1.22% 1.28% 1.45% 1.38%
1.68% 1.38% 0.67% 0.64%
5.14% 5.38% 4.99%
0.57%
4.10%
4.19%
Net Charge Off Rate (bps)
(51)
(40)
Loan loss coverage
4Q
FY2021
111.9%
1Q
FY2022
106.4%
2Q
FY2022
122.3%
3Q
4Q
FY2022
FY2022
122.3%
131.2%
Loan loss coverage incl.
Regulatory Reserve
113.9%
110.9%
131.5%
133.3%
146.9%
Note:
Loan loss coverage includes ECL for loans at FVOCI as per Note A11(xii) of the Group's Financial Statements
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