Investor Presentaiton
Islamic Banking: Performance Overview
Group Islamic Banking Financial Performance
Maybank
Islamic
Maybank Islamic: Total Gross Financing grew to RM220.6 billion
RM million
Total Income
Profit Before Tax
FY2021
FY2020
YOY
6,684.1
5,357.1
24.8%
9%
67.1
61.5
8%
7%
49.4
44.7
45.7
■Dec 20
Dec 21
41.7
4,429.7
2,328.2
90.3%
(2)%
Financing & Advances
Deposits & Investment Account:
Deposits from Customers
Investment Account
234,331.21 220,230.5
222,690.5 202,392.8
193,969.7 178,552.0
28,720.8 23,840.8
6.4%
10.0%
8.6%
20.5%
RM billion
30.7 30.1
7%
12%
19.4 20.7
7.7 8.6
AITAB
Mortgage
Term Financing
Others (CFS) Term Financing
Others (GB)
CFS:
8%
1GB:
2%
Note: Figures are as per latest segmentation breakdown
Maybank Islamic: Key Financial Ratios
Key Financial Ratios
FY2021
FY2020
Total Capital Ratio (TCR)
20.07%
18.06%
Net Profit Margin (YTD)
2.08%
1.73%
Cost to Income Ratio (CIR)
Direct FDR²
27.2%
33.4%
93.8%
95.3%
Note:
Maybank Islamic Contribution to Maybank Malaysia Loans
and Financing as at December 2021
Year
Contribution
Maybank Islamic,
64.9%
Dec 2020
62.6%
Mar 2021
63.6%
Maybank
Conventional,
Jun 2021
63.8%
Malaysia, 35.1%
Sep 2021
64.0%
Dec 2021
64.9%
1 Included Financing managed by the Bank as well. Financing managed by the Bank refers to RPSIA financing that are treated as off-BS effective from Dec 2021
2 Direct Financing to Deposits Ratio (FDR) comprising gross financing against deposit and Unrestricted Investment Account (exc. RPSIA assets and liabilities)
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