Investor Presentaiton
Financing Support for Customers
% of Loans Under Repayment Assistance, Relief and R&R Programmes
Against Respective Total Home Market Loans
27.1%
30.6%
Malaysia
% of Outstanding
Loan Balance^
Mortgage
As at
12/11/21
32.7%
15.6%
Auto Finance
29.2%
9.6%
20.6%
Unit Trust
24.4%
12.0%
As at
11/02/22
17.3% of total CFS loans outstanding (o/s)
is under relief programmes:
。 Deferred instalment is 53%
o Reduced instalment is 8%
。 Customised/hybrid packages is 39%
Missed payments is 6% of loans under
relief.
Of total CFS loans under relief:
Malaysia
Singapore
Indonesia
16.9%
О
B40: 14%
Other Retail Loans
4.7%
5.2%
。 M40: 16%
15.3%
SME
39.8%
39.1%1
13.4%
15.2%
。 T20: 31%
12.4%
Business Banking
30.1%
29.4%¹
o Retail SME: 21%
6.7%
May'21
6.1%
Aug 21
Total CFS
30.4%
17.3%
3.9%
Nov'21
3.4%
Global Banking
31.6%
31.8%
Feb'22
Total Malaysia
30.6%
20.6%
О Business Banking: 18%
31.8% of total GB loans o/s is under relief
programmes:
。 Missed payments is 1.0%.
Including URUS and Flood Relief Assistance Programmes, Malaysia's % of loans under relief increases by 0.2% to 20.8%
Singapore
Indonesia
% of Outstanding
Loan Balance^
As at
12/11/21
As at
11/02/22
Mortgage
0.9%
0.0%
5.8% of total CFS loans o/s is under
relief programmes:
% of Outstanding
Loan Balance^
As at
12/11/21
As at
14/02/22
Mortgage
14.8%
14.5%
Auto Finance
0.0%
0.0%
。 Partial deferment options and
other types of schemes is 6%
Auto Finance
2.9%2
1.8%2
Credit Cards & Personal
4.4%
4.0%
。 ESG4 is 94%
Credit Cards &
Loans
10.8%
2.9%
95% prompt payments.
Personal Loans
Other Retail Loans
1.8%
0.0%
RSME
20.0%
18.3%
SME
40.0%³
40.6%³
•
Business Banking
22.3%³
21.2%3
0.3% of total GB loans o/s is under
relief programmes:
SME+
20.3%
18.9%
Business Banking
17.8%
16.9%
Total CFS
6.8%
5.8%
o Moratorium schemes is 1%
。 ESG4 is 99%
Total CFS
15.9%
14.4%
Global Banking
0.3%
0.3%
100% prompt payments.
Global Banking
14.2%
9.6%
Total Singapore
3.9%
3.4%
Total Indonesia
15.2%
12.4%
Λ
Against o/s total gross loans by each country's respective segments @ 31 Oct 2021 & 31 Jan 2022
Includes Government relief loans.
1
Includes Special Relief Facility loans disbursed (RM1.77 billion as at Feb 2022)
2 Bank-only, not including subsidiaries i.e., WOM and Maybank Finance.
14.4% of total CFS loans o/s is under
relief programmes:
o Principal-only deferment option is 19%
。 Other relief packages is 81%
81% prompt payments.
9.6% of total GB loans o/s is under relief
programmes:
o Principal-only deferment option is 54%
o Reduced instalments is 15%
。 Conversion of working capital to term
loan instalments and facility
extensions is 31%
84% prompt payments.
4 ESG is the MAS SGD Facility that provides low-cost funding for banks to grant loans under Enterprise Singapore's Temporary
Bridging Loan Programme and Enterprise Financing Scheme - SME Working Capital Loan
•
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