Investor Presentaiton
Maybank Singapore: Overview of Loans and Deposits Portfolio
Diversified Loan Portfolio
Business deposits remained core contributor at 52.3% of total deposits
SGD Billion
% of
Portfolio
31-Dec 30-Sep
31-Dec
(6.9)% YoY
QoQ
YOY
2021
2021
2020
51.6
49.5
48.0
■Consumer - Time
Deposits
CFS
58%
24.6
24.2
1.3%
22.6
8.5%
16.0
12.5
11.8
Consumer
47.7%
Consumer CASA
11.2
11.1
Consumer
42%
18.2
17.8
2.3%
16.4 11.3%
10.2
Housing Loan
29%
12.7
12.3
3.2%
11.0
15.7%
Auto Loan
5%
2.3
2.3
(1.0)%
2.3
0.8%
SGD billion
14.4
12.7
16.3
Corporate
52.3%
■Business Time
Deposits
11.4
12.4
■Business CASA
9.1
Cards
1%
0.3
0.3
1.8%
0.3
(4.9)%
Sep 21
Others
7%
2.9
2.9
1.0%
2.8
4.4%
Non-Individuals
15%
6.3
6.4
(1.6)% 6.2
1.1%
■
RSME
4%
1.8
1.8
(0.1)% 1.7
2.1%
Business Banking
8%
3.2
3.4
(3.3)%
3.2
0.3%
Others
3%
1.3
1.3
0.9%
1.3
1.5%
Corporate Banking
17.9
17.8
0.3%
16.3
9.5%
Dec 20
Fixed deposits were SGD 7.9 billion lower YoY. At SGD 24.5 billion, fixed deposits
constituted 51% of total deposits.
CASA deposits were SGD 4.2 billion higher YoY at SGD 23.5 billion.
CASA ratio higher at 48.8% on expanded demand deposits, whilst
time deposits reduced
■Time Deposits
■Demand Deposits
Dec 21
42%
Loans to Related
32.3
26.8
24.6
■Savings
0.9
0.7
27.6%
0.9
1.0%
Corporations
Total
100% 43.4
42.9
1.3%
40.0
8.7%
SGD billion
13.3
14.2
10.7
45.7%
CASA Ratio:
37.5%
48.8%
8.6
9.3
9.2
Dec 20
Sep 21
Dec 21
46
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