Financial Results Presentation
Asset Quality by Line of Business
Mostly stable AQ trends with some uptick in RSME and BB in Indonesia and CB in Malaysia
Consumer
Mortgage
Auto Finance
Credit Cards
2.59%
2.61% 2.63% 2.73%
2.88%
1.42%
1.36% 1.34% 1.33%
1.27%
1.83%
1.84%
1.86% 1.97%
1.66%
1.78%
1.53%
0.85%
0.90%
0.92%
0.93%
1.41%
0.90%
1.30%
0.67% 0.71% 0.65% 0.61% 0.66%
1.16%
0.88%
0.53% 0.54%
0.34%
0.85%
0.46%
0.44% 0.44%
T
T
Jun 18 Sep 18
Dec 18 Mar 19 Jun 19
0.22%
Jun 18 Sep 18 Dec 18 Mar 19
0.34%
0.29%
0.13%
0.62% 0.63%
0.63%
Jun 19
Jun 18 Sep 18 Dec 18 Mar 19 Jun 19
Business
Retail SME (RSME)
Business Banking (BB)
Corporate Banking (CB)
Note:
11.40%
10.83%
10.51%
3.20%
9.88%
9.95%
2.86%
7.75%
2.64%
2.66%
7.66%
4.22%
7.10% 7.26% 6.86%
2.51%
2.73%
2.70% 2.64% 2.98%
7.05% 6.90%
2.51% 2.56%
2.21% 2.26%
6.59%
2.09%
5.55%
2.61% 2.58%
2.22%
2.38%
5.15%
1.84%
2.19% 2.15%
2.19%
2.10%
2.26% 2.33%
2.86%
1.95%
2.01%
1.79%
Jun 18 Sep 18 Dec 18 Mar 19 Jun 19 Jun 18 Sep 18
Dec 18 Mar 19
Jun 19
Jun 18 Sep 18 Dec 18 Mar 19 Jun 19
-Malaysia
-Singapore
Indonesia
•
In Malaysia, industry GIL ratio for mortgage (purchase of residential property) is 1.1%, 0.8% for auto finance, and 0.9% for credit cards.
• In Singapore, industry GIL figure is only available for mortgage, which was 0.4%.
•
In Indonesia, Business Banking includes Commercial, SME and Micro loans. Maybank Indonesia's GIL ratios are mapped in accordance to its local regulatory reporting requirements and
does not include R&R.
11
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