FY2023 M25+ Progress: Enhancing Digital Banking
1Q FY2023: Good Loans Growth and Stable Liquidity; AQ Improves
Stable liquidity and capital ratios
Good loans growth supported
by moderate deposits growth
As at 31 Mar 2023
31 Mar 2023 vs 31 Mar 2022
Healthy AQ position with high
LLC & low new impairments
As at 31 Mar 2023
Group
Loans
5.3%
RM591.71 billion
Group
Deposits
3.0%
RM651.27 billion
Group
LCR
▲ 145.8%
Group CET1
Capital
▲ 15.09%*
Total
Capital
▲ 18.48%*
Mar 22: 143.2%
Mar 22: 14.95%*
Mar'22: 18.37%*
Loan Loss
Coverage (LLC)
133.5%
Mar'22: 106.4%
Group
GIL
▼1.50%
Mar'22: 1.95%
31 Mar 23 vs
31 Mar 22
•
Group loans grew
5.3% driven by 5.1%
growth in MY and 7.2%
in IDN
Group deposits
increased 3.0% on
fixed (+17.6%) and
other (+13.2%)
deposits growth while
CASA decreased in SG
(43.5%) and MY (3.8%)
•
•
31 Mar 23 vs
31 Dec 22
Group loans was
stable QoQ. Slight
growths across MY of
0.2% and SG of 0.4%,
mitigated by a
(0.9%) decline in IDN
Group deposits
grew 1.9% QoQ led
by 4.1% in SG and
1.2% in MY,
offsetting IDN's
decline of (1.8%)
•
31 Mar 23 vs 31 Mar 22
Group CASA ratio moderated further to 39.1% as
at end Mar'23 (Dec'22: 40.9%, Mar'22: 46.2%),
but remained above pre-pandemic levels
(Dec' 19: 35.5%)
Group LCR and NSFR remained stable at 145.8%
(Dec 22: 145.4%; Mar'22: 143.2%) and 118.1%
(Dec'22: 118.1%; Mar'22: 118.5%) respectively
Group CET1 capital and total capital ratios
strong at 15.09%* and 18.48%* respectively
31 Mar 23 vs 31 Mar 22
Loan loss coverage strengthened
to 133.5% (Dec'22: 131.2%; Mar'22:
106.4%) as newly impaired loan
formation remained low with
improved Group GIL ratio at 1.50%
as at end Mar'23 (Dec'22: 1.57%;
Mar'22: 1.95%)
*Post-dividend
3View entire presentation