FY2023 M25+ Progress: Enhancing Digital Banking
Malaysia's Loans Under Relief Reduces to 0.9% of Outstanding Balances;
Continued Reduction in Other Home Markets With Minimal AQ Slippages
% of Loans Under Repayment Assistance, Relief and R&R Programmes Against Respective Total Home Market Loans
allnas Malaysia
لاسد
Singapore
Indonesia
% of Outstanding Loan
Balance^
% of Outstanding Loan
31/01/23 30/04/23
31/01/23 30/04/23
Balance^
% of Outstanding Loan
Balance^
31/01/23
30/04/23
Mortgage
6.7%
5.9%
Auto Finance
2.0%
1.8%
SME
42.9%
39.8%
RSME
11.2%
10.1%
Other Retail Loans
1.8%
1.0%
Business Banking (BB)
SME+
11.1%
10.7%
15.7%
13.8%
SME
1.6%1
0.5%1
Business Banking (BB)
12.3%
11.4%
Total CFS
1.3%
0.5%
Total CFS
5.3%
4.9%
Total CFS
7.8%
7.0%
Global Banking (GB)
2.2%
1.5%
Global Banking (GB)
9.5%
9.3%
Total Malaysia*
1.7%
0.9%
Total Singapore
3.0%
2.7%
Total Indonesia
8.5%
7.9%
*Includes URUS and Flood Relief Assistance Programmes
•
•
• SME: 10.2% missed payments (for loans that
have commenced payments)
•
All remaining loans under relief are under ESG²
96% prompt payments
CFS
• GB: No missed payments for loans still under
the RA and relief programmes. However, 4%
missed payments for loans that have expired
from said programmes (includes non-impaired
and impaired loans)
Outstanding loans still under relief
•
• Principal-only deferment option at 12%
Other relief packages at 88%
• 57% prompt payments
Outstanding loans still under relief
• Principal-only deferment option at 69%
Reduced instalments at 15%
GB
• Conversion of working capital to term loan
instalments and facility extensions at 16%
• 100% prompt payments
^ Against o/s total gross loans by each country's respective segments @ 31 Jan 2023 & 30 Apr 2023 2 ESG is the MAS SGD Facility that provides low-cost funding for banks to grant loans under Enterprise
Includes Special Relief Facility loans disbursed (RMO.69 billion as at 30 Apr 2023)
Singapore's Temporary Bridging Loan Programme and Enterprise Financing Scheme - SME Working Capital Loan
13View entire presentation