FY2023 M25+ Progress: Enhancing Digital Banking
Healthy Liquidity Levels
Liquidity Indicators
•
LCR
LDR
NSFR
Liquidity Position
143.2%
145.4%
145.8%
118.5%
118.1%
118.1%
88.7%
91.6%
90.7%
Mar 22
Dec 22
Group Gross Deposits
Mar 23
+1.9%
1Q'23 vs 4Q'22
+3.0%
1Q'23 vs 1Q'22
632.5
639.4
Deposits
QoQ
82.4
89.1
651.3
93.3
YOY
+4.7%
+13.2%
RM billion
258.0
288.6
303.4
+5.1%
+17.6%
292.1
261.7
254.5
(2.7)%
(12.9)%
Group
CASA
Ratio
Mar 22
46.2%
Dec 22
Mar 23
40.9%
39.1%
CASA
■FD Others
Note:
1)
BNM's minimum LCR and NSFR requirements are 100%
2)
LDR excludes loans to banks and Fls
Key Drivers
Healthy Group liquidity ratios with NSFR and LCR levels
above regulatory requirements
Group gross deposits grew 3.0% YoY supported by:
。 5.2% increase in MY as FD grew 14.1% and other deposits rose
12.9% while CASA reduced 3.8%
。 0.3% increase in SG as FD grew 42.8% offset by CASA decline
of 43.5% as customers remain price sensitive
。 Offset by 2.0% reduction in IDN on lower FD (-11.0%) while
CASA grew +8.2%
•
Group CASA ratio moderated to 39.1% from 46.2% a year ago, but
remains above pre-pandemic level (Dec' 19: 35.5%):
。 MY CASA ratio 44.1% at Mar'23 (Mar'22: 48.3%, Dec' 19: 38.7%)
。 SG CASA ratio 27.8% at Mar'23 (Mar'22: 49.3%, Dec' 19: 29.1%)
。 IDN CASA ratio 51.8% at Mar'23 (Mar'22: 46.9%, Dec' 19: 36.5%)
QoQ, Group deposits grew 1.9% driven by growth of 1.2% in MY
and 4.1% in SG offset by reduction of 1.8% in IDN. FDs grew 5.1%
offsetting CASA outflow of 2.7%
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