Malayan Banking Berhad Financial Analysis
Islamic Banking: Performance Overview
Group Islamic Banking Financial Performance
→ Maybank
Islamic
Maybank Islamic: Total Gross Financing¹ grew to RM244.0 billion
RM million
Total Income
Profit Before Tax
Financing & Advances
FY2022
FY2021
YOY
7,756.9
4,785.5
257,842.51 234,331.21 10.0%
6,684.1
4,429.7
16.0%
8.0%
Deposits & Investment Account:
249,914.1 222,690.5
Deposits from Customers
Investment Account
224,276.4 193,969.7
25,637.7 28,720.8
12.2%
15.6%
(10.7)%
Maybank Islamic: Key Financial Ratios
Total Capital
Ratio (TCR)
17.84%
Net Profit
Margin (YTD)
2.34%
Cost to Income
Ratio (CIR)
30.0%
Direct
FDR²
92.3%
FY2021: 20.08%
FY2021: 2.08%
FY2021: 27.2%
FY2021: 93.8%
Note:
RM billion
+10%
74.1
+13%
67.1
+10%
54.1
50.3
49.4
44.7
Dec 21
Dec 22
0%
+19%
30.1 30.2
AITAB
Mortgage
Term Financing
▲ +26%
8.6 10.8
Others (CFS) Term Financing
24.6
20.7
Others (GB)
CFS:
+11%
1GB:
+8%
Note: Figures are as per latest segmentation breakdown
Maybank Islamic Contribution to Maybank Malaysia Loans and
Financing as at 31 December 2022
Maybank
Islamic, 67.2%
Dec 2021
64.9%
Mar 2022
66.0%
Jun 2022
65.7%
Sep 2022
66.1%
Malaysia, 32.8%
Dec 2022
67.2%
Maybank
Conventional,
1 Including Financing managed by the Bank i.e. RPSIA financing that are treated as off-balance sheet effective from 31 December 2021
2 Direct Financing to Deposits Ratio (FDR) comprising gross financing against deposit and Unrestricted Investment Account (exc. RPSIA assets and liabilities)
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