Malayan Banking Berhad Financial Analysis
Robust Capital Positions
Capital Ratios
Before proposed
dividend
After proposed
dividend
19.52%
19.08%
.
18.83%
18.20%
Group
16.81%
16.38%
16.12%
15.49%
16.09%
15.67%
15.40%
14.78%
Dec 21
Dec 22
Dec 21
Dec 22
■Total Capital Ratio
Tier 1 Capital Ratio ■CET 1 Capital Ratio
18.79%
18.64%
17.60%
17.07%
Bank
16.22%
16.05%
15.04%
14.48%
15.46%
15.26%
14.28%
13.70%
Dec 21
Dec 22
Dec 21
Dec 22
•
Regulatory Requirements:
.
• Min. CET 1 Capital Ratio + Capital Conservation Buffer (CCB) is 7.0%, min. Tier 1 Capital
Ratio + CCB is 8.5% and min. Total Capital Ratio + CCB is 10.5%
• 1.0% D-SIB Buffer effective 31 January 2021
•
Pending announcement of the countercyclical capital buffer (CCYB) rate by BNM
Key Drivers
•
Capital ratios remain robust post proposed dividend, above regulatory
requirements
Credit RWA growth well below loans growth, ensuring optimal capital
utilisation
Growth (%)
YOY
QoQ
Group Gross Loans
6.0%
0.0%
Total Group RWA
1.0%
(3.7)%
- Group Credit RWA
2.4%
(4.3)%
Declared full cash second interim dividend of 30 sen. Including first
interim dividend of 28 sen, total dividend for FY2022 at 58 sen per share,
similar to FY2021.
Effective cash dividend paid out from FY2022 net profit is 76.7% (FY2021:
57.8%) while total dividend payout ratio is 84.6% (FY2021: 84.5%)
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