Malayan Banking Berhad Financial Analysis
4Q
FY2022
FY2021
YOY
FY2022
3Q
FY2022
QoQ
2Q
FY2022
1Q
FY2022
4Q
FY2021
YOY
Key Operating Ratios
%
Return on Equity 4
10.0
9.8
0.2%
10.5
10.4
0.1%
9.0
9.4
10.0
0.5%
Net Interest Margin * (bps)
4
2.39
2.32
7 bps
2.39
2.42
(3) bps
2.41
2.34
2.32
7 bps
Fee to Income Ratio
25.1
25.0
0.1%
23.0
28.6
(5.6)%
24.2
24.4
22.7
0.3%
1
Loans-to-Deposit Ratio
91.6
89.5
2.1%
91.6
91.6
0.0%
90.2
88.7
89.5
2.1%
Cost to Income Ratio 2
46.4
45.3
1.1%
49.4
45.8
3.6%
44.7
45.6
46.9
2.5%
Asset Quality
Gross Impaired Loans Ratio
1.57
1.99
(42) bps
1.57
1.70
(13) bps
1.81
1.95
1.99
(42) bps
Loans Loss Coverage
131.2
111.9
19.3%
131.2
122.3
8.9%
122.3
106.4
111.9
19.3%
4
Net Charge Off Rate * (bps)
(40)
(51)
11 bps
(22)
(43)
21 bps
(60)
(32)
(12)
(10) bps
Capital Adequacy ³
3
CET1 Capital Ratio
Total Capital Ratio
14.78
15.40
(62) bps
14.78
13.84
94 bps
14.34
14.95
15.40
(62) bps
18.20
18.83
(63) bps
18.20
17.15
104 bps
17.71
18.37
18.83
(63) bps
Note:
1 LDR excludes loans to banks and Fls
2 Total cost excludes amortisation of intangibles for Maybank IBG Holdings Limited
4
3 The capital ratios are based on an assumption of 85% reinvestment rate for periods relating to dividends under DRP, and based on full cash payment of dividends for period without DRP.
Quarterly positions of Return on Equity, Net Interest Margin and Net Charge Off Rate are on an annualised basis
40
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