9M FY2023 Financial Performance
Malaysia Loans Growth: 30 September 2023
31 Dec 2022
RM billion
Community Financial Services (reported)
Community Financial Services (rebased)1
Consumer
% of Portfolio 30 Sep 2023 30 Jun 2023
QoQ
YTD Ann.
30 Sep 2022
YOY
(Restated)
78%
289.8
283.5
2.2%
278.4
5.5%
272.8
6.2%
78%
289.8
283.5
2.2%
278.2
5.6%
272.8
6.2%
62%
231.2
225.8
2.4%
222.6
5.2%
218.3
5.9%
Total Mortgage
35%
131.4
127.4
3.1%
123.0
9.1%
120.6
8.9%
Auto Finance
17%
62.6
61.2
2.3%
58.8
8.7%
57.6
8.8%
Credit Cards
3%
9.5
9.0
5.7%
8.8
10.3%
8.1
17.1%
Unit Trust
7%
25.3
26.0
(2.6)%
29.7
(19.6)%
29.7
(14.8)%
Other Retail Loans
1%
2.3
2.2
5.2%
2.2
4.9%
2.3
1.9%
Business Banking + SME (reported)
16%
58.6
57.7
1.6%
55.8
6.8%
54.5
7.6%
Business Banking + SME (rebased)¹
16%
58.6
57.7
1.6%
55.7
7.1%
54.5
7.6%
SME (reported)
10%
35.6
27.2
31.0%
26.3
47.3%
25.5
39.5%
SME (rebased)1
10%
35.6
34.9
2.0%
33.3
9.0%
N/A
N/A
Business Banking (reported)
6%
23.1
30.5
(24.5)%
29.5
(29.3)%
29.0
(20.5)%
Business Banking (rebased)1
6%
23.1
22.8
1.1%
22.4
4.1%
29.0
(20.5)%
Global Banking (Corporate) (reported)
22%
80.6
79.6
1.2%
84.3
(5.8)%
84.5
(4.6)%
Term Loan
59%
47.9
46.4
3.4%
48.6
(1.9)%
50.3
(4.7)%
Short Term Revolving Credit
26%
21.0
22.1
(5.2)%
25.5
(23.7)%
23.2
(9.7)%
Trade Finance and Others
15%
11.7
11.2
4.8%
10.2
20.3%
11.0
6.9%
Global Banking (Corporate) (rebased)1
80.6
79.6
1.2%
84.4
(6.0)%
84.5
(4.6)%
Total Malaysia
370.7
363.3
2.0%
362.9
2.8%
357.5
3.7%
Note: 1 Rebased loan growth figures are based on adjusted 31 December 2021 position in line with migration of client accounts, effective 1 January 2022
'Term Loan' includes foreign currency denominated accounts, while 'Trade Finance and Others' is combined with 'Overdraft'
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