Investor Presentaiton
Asset Quality (1/2)
Loan loss coverage moderates QoQ to 113.9% on new corporate loan impairments on balance sheet
Allowances for losses on loans
122.2%
124.3%
137.8%
113.9%
115.9%
Loan loss coverage incl.
Regulatory Reserve
FY2021 ECL includes:
~RM746 mil in management
overlay for loans under
repayment assistance and model
changes
Loan loss coverage
127.0%
106.3%
112.6%
114.8%
111.9%
Top-ups for new and existing
impaired accounts and to
facilitate write-offs
ECL (RM million)
4Q FY2020
1Q FY2021
2Q FY2021
3Q FY2021
4Q FY2021
FY2020
FY2021
Stage 1, net
330
(201)
(76)
7
(320)
236
(590)
Stage 2, net
748
595
293
776
(1,062)
2,499
602
Stage 3, net
155
498
356
415
1,604
2,157
2,874
Write-offs
26
16
21
12
34
94
83
Recoveries
(168)
(60)
(72)
(90)
(103)
(398)
(325)
Other debts
Total
1
1
4
6
4
11
15
1,093
850
525
1,126
157
4,599
2,659
Of which, represented by:
Group Community Financial Services (GCFS)
1,987
840
Group Global Banking (GGB)
2,606
1,815
Group Insurance & Takaful (Etiqa)
6
4
Net Charge Off Rate
Note:
Loan loss coverage includes ECL for loans at FVOCI as per Note A11(xii) of the Group's Financial Statements
(88) bps
(51) bps
16View entire presentation