Investor Presentaiton
Key Operating Ratios
4Q
3Q
%
FY2021
FY2020
YOY
QoQ
FY2021 FY2021
2Q
FY2021
1Q
4Q
YOY
FY2021 FY2020
Return on Equity 4
9.8
8.1
1.7%
10.0
8.2
1.8%
9.4
11.7
7.7
2.3%
Net Interest Margin 4 (bps)
2.32
2.10
22 bps
2.32
2.26
6 bps
2.37
2.31
2.15
17 bps
Fee to Income Ratio
25.0
32.8
(7.8)%
22.7
23.3
(0.6)%
21.4
31.9
31.3
(8.6)%
Loans-to-Deposit Ratio
1
89.5
90.1
(0.6)%
89.5
88.9
0.6%
89.3
89.0
90.1
(0.6)%
Cost to Income Ratio 2
45.3
45.3
0.0%
46.9
45.9
1.0%
47.3
41.3
45.5
1.4%
Asset Quality
Gross Impaired Loans Ratio
1.99
2.23
(24) bps
1.99
1.93
6 bps
2.18
2.20
2.23
(24) bps
Loans Loss Coverage
111.9
106.3
5.6%
111.9
127.0
(15.1%)
114.8
112.6
106.3
5.6%
Net Charge Off Rate 4 (bps)
(51)
(88)
37 bps
(12)
(86)
74 bps
(40)
(65)
(84)
72 bps
3
Capital Adequacy
CET1 Capital Ratio
Total Capital Ratio
15.40
14.73
67 bps
15.40
14.24
116 bps
14.20
14.18
14.73
67 bps
18.83
18.10
73 bps
18.83
18.21
62 bps
17.42
17.51
18.10
73 bps
Note:
1 LDR excludes loans to banks and Fls.
2 Total cost excludes amortisation of intangibles for Maybank IBG Holdings Limited.
3 The capital ratios are based on an assumption of 85% reinvestment rate for periods relating to dividends under DRP, and based on full cash payment of dividends for period without DRP.
4 Quarterly positions of Return on Equity, Net Interest Margin and Net Charge Off Rate are on an annualised basis
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