Q3 2023 Financial Results slide image

Q3 2023 Financial Results

9M 2023 Financial Highlights Sustaining a double-digit ROE of 13.1% and healthy balance sheet Profit before tax (RM'bil) ■ Higher profitability in 9M Q3 2023, underpinned by growth in non-interest income and lower loan loss allowances ↑ 2.6% ↑3.4% ■ 6.3 6.5 2.1 2.2 Above-industry loans and deposits growth 9M Q3 2022 9M Q3 2023 Q2 2023 Q3 2023 Net profit (RM'bil) ↑ 14.3% ↑5.1% 1.7 5.0 1.6 4.4 ■ Normalised net interest margin of 2.22% ■ Credit cost remained low at 2 basis points ■ Prudent level of loan loss coverage at 186.9% ◉ Healthy capital and liquidity position ↑5.9%* 376.9 393.6 Of which: NIM Cost-to-income Net ROE 9M Q3 2022 9M Q3 2023 Q2 2023 Q3 2023 ratio Gross impaired loans ratio 33.7% Gross loans (RM'bil) Domestic operations ↑5.7%* 13.1% 0.58% 2.22% Dec-22: 31.5% Dec-22: 2.39% 352.1 367.2 Dec-22: 12.8% Dec-22: 0.42% Loan loss Dec-22 Sep-23 Dec-22 Sep-23 Credit cost coverage ratio ratio Liquidity coverage ratio Total capital ratio Customer deposits (RM'bil) ↑4.7%* Domestic operations 186.9% 17.4% 394.7 408.6 Of which: 0.02% 131.4% ↑4.6%* 367.1 379.7 Dec-22: 272.0% Dec-22: 17.6%" Dec-22: 0.10% Dec-22: 127.7% Dec-22 Sep-23 Dec-22 Sep-23 * Annualised growth π After deducting interim dividends declared subsequent to end of period/year 2
View entire presentation