Investor Presentaiton
CIMB Digital Assets & Group Funding
4Q21
FY21
Touch 'n Go Digital
(RM 'mil)
Q-0-Q
Y-o-Y
BAU*
BAU*
Total Registered Users
(mil)
Annual Transacting
Users (mil)
Net interest income
313
2.0%
1,239
75.0%
+10.5% Y-o-Y
-28.6% Y-o-Y
Non interest income
107
67.2%
395
(47.1%)
16.8
Operating income
420
13.2%
1,634
12.3%
10.5
7.5
Overhead expenses
(216)
18.0%
(732)
(10.4%)
15.2
PPOP
204
8.5%
902
41.4%
(Provisions) / Writeback
(25)
25.0%
(7)
(93.8%)
Dec-20 Dec-21
Dec-20
Dec-21
Share of JV / Associates
(19)
35.7%
(26)
(141.9%)
PBT
160
3.8%
869
48.1%
CIMB Philippines
No. of Customers
(mil)
Deposits Balance
(RM'mil)
>>> YoY PBT improvement driven by higher NII due to the absence of negative impact of
rate cuts. PBT +3.8% QoQ mainly due to MTM gain on unquoted securities
Σ
+64.5% Y-o-Y
+75.3% Y-o-Y
TNGD momentum remains strong with 7.5 mil ATU and 557k total merchants as at
Dec-21. GO+ investors reached 2.0 mil with total AUM of RM492 mil as at Dec-21
5.1
1,292
3.1
737
> Digital businesses continue to grow strongly with CIMB Philippines hitting 5.1 mil
customers as at Dec-21 with a deposit book of RM1.29 bil
Dec-20
Dec-21
Dec-20
Dec-21
Notes: *Excludes: 1Q21: Gain on deconsolidation of Touch 'n Go Digital of RM1, 156mil and exceptional items of RM46 mil
2Q21: Exceptional items of RM258 mil 3Q21: Exceptional items of RM186 mil
4Q21: Exceptional items of RM102 mil
19View entire presentation