Investor Presentaiton
Earnings Summary
1H22
2Q22
(RM 'mil)
2Q23
1Q23
Q-o-Q
1H23
Y-o-Y
Y-o-Y
BAU^
BAU^
Net interest income
3,646
3,522
3.5%
7,168
7,224
(0.8%)
3,675
(0.8%)
Non interest income
1,688
1,475
14.4%
3,163
2,397
32.0%
1,210
39.5%
Operating income
5,334
4,997
6.7%
10,331
9,621
7.4%
4,885
9.2%
Overhead expenses
(2,405)
(2,343)
2.6%
(4,748)
(4,471)
6.2%
(2,247)
7.0%
PPOP
2,929
2,654
10.4%
5,583
5,150
8.4%
2,638
11.0%
Loan impairment
(558)
(306)
82.4%
(864)
(743)
16.3%
(456)
22.4%
Other provisions
123
(139)
(188.5%)
(16)
(163)
(90.2%)
(26)
(573.1%)
Share of JV / Associates
(12)
27
(144.4%)
15
14
7.1%
1
(>1,000%)
PBT
2,482
2,236
11.0%
4,718
4,258
10.8%
2,157
15.1%
PBT (Reported)
2,482
2,236
11.0%
4,718
4,153
13.6%
2,105
17.9%
Net profit
1,773
1,645
7.8%
3,418
3,097
10.4%
1,547
14.6%
Net profit (Reported)
1,773
1,645
7.8%
3,418
2,708
26.2%
1,281
38.4%
EPS (sen)
16.6
15.4
7.8%
32.0
30.0
6.7%
14.8
12.2%
ROE (Annualised)
10.7%
10.3%
40bps
10.6%
10.4%
20bps
10.3%
40bps
ROE (Annualised) (Reported)
10.7%
10.3%
40bps
10.6%
9.1%
150bps
8.5%
220bps
Σ
29
Notes: Excludes (net of tax): 1Q22: Exceptional items of RM45 mil and cukai makmur of RM78 mil; 2Q22: Exceptional items of RM44 mil and cukai makmur of RM222 milView entire presentation