FY2023 M25+ Progress: Enhancing Digital Banking
Key Operating Ratios
%
1Q FY2023
1Q FY2022
(Restated)
4Q FY2022
YOY
QoQ
(Not Restated)
Return on Equity 4
10.7
9.4
1.3%
10.5
0.2%
Net Interest Margin * (bps)
4
2.19
2.34
(15) bps
2.39
(20) bps
Fee to Income Ratio
24.2
21.7
2.5%
23.0
1.2%
1
Loans-to-Deposit Ratio
90.7
88.7
2.0%
91.6
(0.9)%
Cost to Income Ratio 2
48.3
43.7
4.6%
49.4
(1.1)%
Asset Quality
Gross Impaired Loans Ratio
1.50
1.95
(45) bps
1.57
(7) bps
Loans Loss Coverage
133.5
106.4
27.1%
131.2
2.30%
4
Net Charge Off Rate * (bps)
(25)
(32)
7 bps
(22)
(3) bps
3
Capital Adequacy
CET1 Capital Ratio
Total Capital Ratio
Note:
1 LDR excludes loans to banks and Fls
15.09
14.95
14 bps
14.78
31 bps
18.48
18.37
11 bps
18.20
28 bps
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
Restated 1QFY2022 comparative information as MFRS 17 has replaced MFRS 4 Insurance Contracts for annual periods on or after 1 January 2023
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