Investor Presentaiton
Key Ratios
(%)
ROE ~
4Q21
3Q21
FY21
Q-0-Q
FY20
Y-o-Y
BAU^
BAU^
BAU^
5.5
8.4
8.1
2.1
NIM
*
~
2.41
2.40
2.45
2.27
Non-interest income / total income
23.1
21.3
24.0
26.3
Cost to income
51.6
49.2
48.6
51.7
Allowance coverage (including regulatory reserve)
101.2
105.3
101.2
93.4
Allowance coverage (excluding regulatory reserve)
100.2
105.1
100.2
91.6
Loan loss charge ~
0.84
0.62
0.73
1.51
Gross impaired loans ratio
3.5
3.4
3.5
3.6
Net impaired loans ratio (Net of IA and PA)
(0.0)
(0.2)
(0.0)
0.3
ROA~
0.50
0.79
0.78
0.20
Book value per share (RM)
5.77
5.95
5.80
5.64
Loan to Deposit (LDR)
85.8
84.5
85.8
89.0
CASA ratio
42.5
41.5
42.5
41.3
Notes:
Annualised
* Daily Average
>>
^ Excludes (net of tax): 1Q21: Gain on deconsolidation of Touch 'n Go Digital of RM1, 156 mil and exceptional items of RM35 mil
2Q21: Exceptional items of RM196 mil
3Q21: Exceptional items of RM1,322 mil
4Q21: Exceptional items of RM74 mil and DTA on cukai makmur of RM118 mil
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