Malayan Banking Berhad Financial Analysis
Net Fund Based Income Driven by Loan Growth and Better NIM
NIM and Net Fund Based Income
2.42%
2.39%
2.39%
NIM
2.32%
2.32%
(Ann.)
RM billion
+0.3%
4Q'22 vs 3Q'22
+9.1%
4Q'22 vs 4Q'21
4.87
5.30
5.31
+8.4% YoY
20.69
19.09
4QFY2021 3QFY2022 4QFY2022
FY2021
FY2022
Volume growth
Margin trends
Key Drivers
•
Group loans grew 6.0% YoY led by:
.
○ 6.7% in MY: 6.8% in Mortgage, 9.0% in
Auto, 19.9% in Credit Cards, 9.1% in
SME and 6.8% in BB
○ 5.8% in IDN: 22.6% in Auto Loan, 4.6% in
Mortgage, 4.5% in RSME and 15.2% in GB
。 Corporate Banking SG grew 3.6%
QoQ, Group loans was flat as MY growth of
1.5% offset with reduction of 2.5% in
International markets
•
•
NIM expanded 7 bps YoY given higher interest
rates in key markets; mitigated by rising
funding costs and CASA outflow in MY and SG
QoQ, NIM compressed 3 bps on higher funding
cost growth vs interest income growth
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