Investor Presentaiton
P&L Summary: FY2021
PPOP rises 2.9% YoY as net fund based income grows on lower interest expense and moderate cost growth
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details on
RM million
FY2021
FY2020
YOY
4Q
FY2021
3Q
FY2021
QoQ
4Q
FY2020
YOY
s.28
Net fund based income *
19,089.0
16,650.5 14.6% 4,868.6 4,719.2
3.2%
4,337.5 12.2%
s.13/14/28 Net fee based income *
6,359.4
8,112.7 (21.6)% 1,431.1
1,430.8
0.0%
1,975.2 (27.6)%
i
S.26/27
Net operating income
25,448.4 24,763.2 | 2.8% | 6,299.6
6,149.9 |
2.4%
| 6,312.7 (0.2)%
s.15
Overhead expenses
(11,518.5) (11,221.9)
2.6% (2,954.8)
(2,821.3)
4.7%
(2,869.2)! 3.0%
S.27
Pre-provisioning operating profit (PPOP) 1
13,929.9 13,541.3
2.9%
3,344.9
3,328.6
0.5% 3,443.6 (2.9)%
Net impairment losses
Operating profit
10,700.4
8,447.8 26.7%
2,676.5
s.26
Profit before taxation and zakat (PBT)
10,886.6
8,657.0
25.8%
(3,229.4) (5,093.5) (36.6) % (668.4)
(1,125.3) (40.6) % (1,522.6) (56.1)%
2,203.3 21.5% 1,921.0 39.3%
19.9% 1,992.1 36.5%
2,720.2 2,268.8
Net Profit 2
8,096.2
6,481.2 24.9%
2,056.9 1,684.7
22.1% 1,537.4 33.8%
EPS - Basic (sen)
69.7
57.7
20.8%
17.3
14.4
j 20.2% j 13.7 i 26.6%
Note:
* From consolidated Full Year FY2021 Group numbers, Insurance and Takaful accounts for 11.4% of net fund based income and 9.1% of net fee based income
1 Pre-provisioning operating profit (PPOP) is equivalent to operating profit before impairment losses
2 Net Profit is equivalent to profit attributable to equity holders of the Bank
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