Investor Presentaiton
Key Ratios
1H22
2Q22
(%)
2Q23
1Q23
Q-0-Q
1H23
Y-o-Y
Y-o-Y
BAU^
BAU^
ROE ~
Reported ROE
10.7
10.3
10.6
10.4
10.3
10.7
10.3
10.6
9.1
8.5
NIM
~*
2.24
2.26
2.25
2.47
2.47
Non-interest income / total income
31.6
29.5
30.6
24.9
24.8
Cost to income
45.1
46.9
46.0
46.5
46.0
Allowance coverage (including regulatory reserve)
97.9
98.3
97.9
102.0
102.0
Allowance coverage (excluding regulatory reserve)
91.6
94.2
91.6
99.6
99.6
Loan loss charge ~
0.39
0.37
0.38
0.41
0.49
Gross impaired loans ratio.
3.3
3.2
3.3
3.5
3.5
Net impaired loans ratio (Net of IA and PA).
0.3
0.2
0.3
0.0
0.0
ROA~
1.00
0.97
0.99
0.97
0.97
Book value per share (RM)
6.28
6.13
6.28
5.80
5.78
Loan to Deposit (LDR)
87.8
88.3
87.8
88.7
88.7
CASA ratio
38.5
37.9
38.5
42.3
42.3
Notes: Annualised
>>
Daily Average
^ Excludes (net of tax): 1Q22: Exceptional items of RM45 mil and cukai makmur of RM78 mil; 2Q22: Exceptional items of RM44 mil and cukai makmur of RM222 mil
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