9M FY2023 Financial Performance
9M FY2023: Strong Loans Growth & Liquidity; AQ Remained Healthy
Strong YTD loans growth supported
by healthy deposits growth
30 Sep 2023 vs 31 Dec 2022 (YTD)
.
•
•
Group
Loans
6.8%
RM616.96
billion
Group
Deposits
4.7%
RM661.81
billion
30 Sep 2023 (YTD)
Group loans rose 6.8% YTD as MY, SG, IDN and other
markets grew 2.8%, 7.0%, 4.2% and 12.1% respectively
Group deposits rose 4.7% YTD on growth in SG of 13.7%
and IDN of 11.4%, offsetting MY's decline of 1.9%. Group
CASA declined 3.3% across MY and SG
(YoY)
Group loans grew 5.1% YoY driven by 3.7% growth in
MY, 3.0% in SG and 5.5% in other markets
Group deposits increased 3.5% YoY as fixed deposits
grew 20.3% offset by a decline of 8.8% in other deposits
while Group CASA decreased 8.9% in MY and SG
(QoQ)
Group loans rose 1.8% QoQ as MY, SG and IDN grew
2.0%, 2.2% and 1.8% respectively
Group deposits rose 1.1% QoQ on growth of 3.7% in IDN
and 3.5% in SG while MY was flat. Group CASA grew 3.5%
across home markets
Stable liquidity position; Group
CASA ratio improved QoQ
Group
NSFR
116.8%
As at 30 Sep 2023
Group
CASA Ratio
Group
LCR
▼137.4%
Jun 2023:
37.7%
Jun 2023:
140.7%
Jun 2023:
117.6%
•
•
38.6%
30 Sep 2023 (QoQ)
Group CASA ratio improved to 38.6% as at end
Sep 2023 from 37.7% as at end June 2023 as Group
CASA grew 3.5%, with growth of 3.5% in MY, 4.8% in
SG and 4.7% in IDN
Although Group CASA ratio has reduced YTD and
YoY (Dec 2022: 40.9%, Sep 2022: 43.8%), it
remained above pre-pandemic levels (Dec 2019:
35.5%)
Group LCR and NSFR remained stable at 137.4%
(Jun 2023: 140.7%; Dec 2022: 145.4%; Sep 2022:
144.2%) and 116.8% (Jun 2023: 117.6%; Dec 2022:
118.1%; Sep 2022: 117.0%) respectively
Healthy LLC as GIL continued
to trend lower QoQ
As at 30 Sep 2023
•
Loan Loss
Coverage
▼127.1%
Jun 2023:
130.3%
Group
GIL Ratio
1.43%
Jun 2023:
1.47%
30 Sep 2023 (QoQ)
Healthy loan loss coverage (LLC) at
127.1% (Jun 2023: 130.3%; Dec 2022:
131.2%; Sep 2022: 122.3%) as newly
impaired loans formation remains low
Group GIL ratio improved to 1.43%
as at end Sep 2023 (Jun 2023: 1.47%;
Dec 2022: 1.57%; Sep 2022: 1.70%) on
write-offs and recoveries
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