Investor Presentaiton
Asset Composition and Growth
Growth momentum continued to improve on areas we would like to invest
To be the loading focused ASEAN bak
Strategic Themes
Purpose-drive
Наше сараи
Asset Composition
Gross Loan Composition
Year
Consumer
Commercial
Wholesale
CDA and
Group
Year
Consumer
Commercial
Wholesale
Funding
Dec-19
33%
11%
43%
12%
Dec-19
Jun-23
32%
10%
42%
17%
Jun-23
50%
52%
18%
16%
32%
32% ▼
Loan Growth (YoY)
Initiatives Comments
1H23
-
2019 1H23
Focused teet
Invest
Consumer
+7%
+19%
>>>
Malaysia
+5%
+17%
Malaysia Commercial
+8%
+26%
Indonesia Consumer
+8%
+28%
Σ
Consumer loans growth driven by Thailand and Indonesia
Malaysia loans growth driven by Commercial segment
Malaysia Commercial growth driven by Business Banking
Indonesia Consumer holding strong
Fix
Indonesia Commercial (ex-SME)
+1%
+7%
Σ
Singapore Commercial (ex-SME)
-3%
-50%
>
Indonesia Commercial portfolio optimisation completed. Growing cautiously
Singapore Commercial showing improved LLC
> Exit
Thailand Commercial
-29%
-71%
> Thailand Commercial - Continued portfolio run down
Σ
21
Note: Malaysia includes London, Hong Kong and ShanghaiView entire presentation