Investor Presentaiton
CIMB Thai: Earnings Summary
CIMB THAI
ชีไอเอ็มบี ไทย
Before GAAP Adjustments
2Q23
1Q23
Q-o-Q
1H23
1H22
Y-o-Y
(THB 'mil)
Net interest income
2,533
2,346
8.0%
4,879
4,665
4.6%
Non interest income
797
1,483
(46.3%)
2,278
2,441
(6.7%)
Operating income
3,330
3,829
(13.0%)
7,157
7,106
0.7%
Overhead expenses
(2,092)
(1,960)
6.7%
(4,051)
(3,754)
7.9%
PPOP
1,237
1,868
(33.8%)
3,107
3,352
(7.3%)
Provisions
(547)
(830)
(34.1%)
(1,377)
(709)
94.2%
PBT
690
1,038
(33.5%)
1,728
2,642
(34.6%)
Net Profit
539
830
(35.1%)
1,369
2,116
(35.3%)
EPS (THB)
0.02
0.02
0.04
0.06
(33.3%)
Net Profit (RM 'mil) ~
70
107
(34.6%)
178
268
(33.6%)
PBT (RM 'mil) *
98
115
(14.8%)
214
341
(37.2%)
Net profit (RM 'mil) *
77
92
(16.3%)
170
273
(37.7%)
ROE (Annualised)
4.6%
7.3%
(270bps)
5.9%
9.7%
(380bps)
Notes:
*
Local GAAP
After GAAP and MFRS 139 adjustments
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