Maybank Performance Outlook FY2019
Asset Quality by Line of Business
Improved quarterly trends across business segments, while consumer lines relatively stable
Consumer
Business
Note:
Mortgage
Auto Finance
Credit Cards
2.59% 2.61% 2.63%
2.14% 2.30%
1.42%
1.36% 1.34%
1.75%
1.84% 1.83% 1.84%
1.86%
1.08%
0.98%
1.73% 1.79% 1.78%
1.53%
0.83%
0.90%
0.85%
0.92%
0.69% 0.67%
0.71%
1.41%
0.65%
0.61%
0.50%
0.56%
Dec 17
T
0.51%
0.34%
0.46% 0.44%
0.44%
0.26% 0.24% 0.22%
0.34%
0.77%
0.83%
0.88%
0.85%
0.62%
T
T
T
Mar 18
Jun 18 Sep 18
Dec 18
Dec 17
Mar 18
Jun 18 Sep 18
Dec 18
Dec 17
Mar 18 Jun 18 Sep 18
Dec 18
Retail SME
Business Banking
Corporate Banking
12.05% 12.30%
2.53%
2.86%
11.40%
10.83%
2.64%
2.27%
2.39%
9.77%
2.56%
8.45%
2.27%
7.84%
2.51%
2.41%
7.66% 7.75%
7.10%
2.01%
2.18%
2.19% 2.15%
2.09% 2.68%
2.60% 2.73% 2.70% 2.64%
1.95%
4.14%
4.23%
7.05% 6.90% 6.59%
2.57%
2.61% 2.58%
2.23%
2.08%
2.34%
2.26%
1.58%
Dec 17 Mar 18
Jun 18
Sep 18
Dec 18
Dec 17 Mar 18
Jun 18 Sep 18 Dec 18
Malaysia Singapore Indonesia
Dec 17 Mar 18
2.33%
Jun 18 Sep 18 Dec 18
2.01%
In Malaysia, industry GIL ratio for mortgage (purchase of residential property) is 1.1%, 0.9% for auto finance, and 0.9% for credit cards.
•
• In Singapore, industry GIL figure is only available for mortgage, which was 0.4% as at December 2018.
•
In Indonesia, Business Banking includes Commercial, SME and Micro loans. Maybank Indonesia's GIL ratios are mapped in accordance to its local regulatory reporting requirements and
does not include R&R.
19
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