Maybank Performance Outlook FY2019
RM million
Asset Quality
Moderating Group GIL ratio of 2.41% QoQ due to better asset quality trends across home markets
Allowances for losses on loans
Group Gross Impaired Loans (GIL) Ratio Composition
Loan loss coverage incl. Regulatory Reserve
Dec
Loan loss coverage
GIL Ratio Components
2018
Sep
2018
Jun
2018
Mar
2018
Dec
2017
Allowances for losses on loans
Non Performing Loans
(NPL)
1.74%
1.90% 1.81% 1.87% 1.80%
99.6%
95.3%
93.6% 92.6% 93.6%
Restructured &
0.12%
0.16%
0.22% 0.26% 0.27%
Rescheduled (R&R)
Performing Loans
87.9% 80.7% 79.6%
83.6%
71.5%
Impaired Due to
0.55% 0.59%
0.61%
0.24% 0.27%
Judgmental/ Obligatory
Triggers (IPL)
GIL Ratio
2.41% 2.65% 2.64%
2.37% 2.34%
509.3 582.1
418.5
199.8
81.3
GIL Ratio by Home Markets
1,959.1
1,591.3
4.21%
4.05%
4.13%
3.56%
3.72%
2.36%
2.34%
3.68%
3.70%
3.43%
2.22%
2.13%
1.91%
2.11%
1.88%
FY2017 FY2018
Dec 2017
Mar 2018
Jun 2018
Sep 2018
Dec 2018
Malaysia
Singapore
- Indonesia
4Q
1Q 2Q за 4Q
FY2017 FY2018 FY2018 FY2018 FY2018
Note:
1 Loan loss coverage for 1Q FY2018 onwards include ECL for loans at FVOCI as per Note A11(xii) of the Group's Financial Statements
18
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