Maybank Earnings Summary Q3 & 9M FY2020
Strong Liquidity & Capital Positions: 30 September 2020
Strong LCR of 146.6%, while Group CET1 capital ratio at 15.28% (assuming 85% reinvestment rate)
Liquidity Risk Indicators
After proposed dividend,
Before proposed dividend assuming 85%
16
-LDR
LTF LTFELCR
reinvestment rate
19.39%
18.95%
18.89%
Group
16.49%
16.09%
16.04%
141.5% 141.0% 138.2% 140.5% 146.6%
15.73%
Dec 19
15.34%
Sep 20
15.28%
Sep 20
95.2%
92.5% 92.4%
90.6%
■Total Capital Ratio Tier 1 Capital Ratio CET 1 Capital Ratio
87.8%
86.5%
85.0% 84.8%
83.0%
19.39%
19.13%
19.02%
80.3%
76.2%
75.0%
74.6%
Bank
16.12%
16.52%
16.42%
73.1%
70.9%
Sep 19
Dec 19 Mar 20 Jun 20
Sep 20
15.31%
Dec 19
Regulatory Requirement:
15.71%
15.61%
Sep 20
Sep 20
Note: 1) BNM's minimum LCR requirement is 100%
2) LTF is gross loans divided by (deposits + borrowings +
subdebt) while LTFE's denominator is (deposits +
borrowings + subdebt + equity + capital securities)
3) LDR, LTF & LTFE excludes loans to banks and Fls
Min. CET 1 Capital Ratio + Capital Conservation Buffer (CCB) is 7.0%,
min. Tier 1 Capital Ratio + CCB is 8.5% and min. Total Capital Ratio +
CCB is 10.5%.
•
1.0% D-SIB Buffer effective 31 January 2021
Pending finalisation of Countercyclical Capital Buffer (0%-2.5%)
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