Financial Results Presentation
Key Operating Ratios
Note:
1H
1H
2Q
1Q
2Q
%
YOY
QoQ
YOY
FY2019 FY2018
FY2019 FY2019
FY2018
Return on Equity
9.8
10.8
(1.0)%
10.2
9.7
0.5%
11.1
(0.9)%
Net Interest Margin
2.24
2.33
(9) bps
2.19
2.30
(11) bps
2.27
(8) bps
Fee to Income Ratio
27.9
27.9
0.0%
29.3
26.5
2.8%
28.6
0.7%
Loans-to-Deposit Ratio 1
93.4
92.8
0.6%
93.4
92.4
1.0%
92.8
0.6%
2
Cost to Income Ratio
47.9
46.7
1.2%
47.9
47.9
0.0%
46.0
1.9%
Asset Quality
Gross Impaired Loans Ratio
2.62
2.64
(2) bps
2.62
2.48
14 bps
2.64
(2) bps
Loans Loss Coverage
78.0
80.7
(2.7)%
78.0
82.6
(4.6)%
80.7
(2.7)%
Net Charge off rate (bps)
(38)
(44)
6 bps
(30)
(47)
17 bps
(47)
17 bps
Capital Adequacy 3
CET1 Capital Ratio
14.23
Total Capital Ratio
17.98
13.16
107 bps
14.23
17.78 20 bps 17.98
14.55
(32) bps
19.00 (102) bps
13.16
107 bps.
17.78
20 bps
1 LDR excludes loans to banks and Fls.
2 Total cost excludes amortisation of intangibles for Maybank Indonesia and Maybank Kim Eng.
3 The capital ratios are adjusted based on the assumption of 85% reinvestment rate under the DRP for the period. 2Q & 1H FY2019 capital ratios are based on full cash payment of
interim dividend for FY2019.
29
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