Malayan Banking Berhad Financial Analysis
FY2022: Strong Loans Growth & Liquidity Position; Better Asset Quality
Good loans growth momentum
supported by deposits growth
31 Dec 2022 vs 31 Dec 2021
Strong liquidity position;
CASA ratio remained above
pre-pandemic levels
As at 31 Dec 2022
Maintained provision levels
and overlays despite low new
impaired loan formation
As at 31 Dec 2022
Group
Loans
6.0%
RM587.12 billion
Group
Deposits
3.5%
RM639.40 billion
Group CASA
Ratio
▼40.9%
Group
LCR
145.4%
Group
NSFR
118.1%
Dec'21: 107.9%
Dec'21: 47.1%
Dec'21: 136.4%
Loan Loss
Coverage
▲ 131.2%
Dec'21: 111.9%
Group
GIL
▼1.57%
Dec'21: 1.99%
31 Dec 22 vs
30 Sep 22
Group loans and
deposits remained
flat QoQ. Loans
growth in MY of
1.5% offset the
decline in SG (2.1%)
and IDN (3.4%)
Deposits growth in
SG of 0.9% offset
decline in MY
(0.7%) and IDN
•
31 Dec 22 vs
31 Dec 21
Group loans grew
6.0% driven by
6.7% in MY and
5.8% in IDN
Group deposits
increased 3.5% as
fixed deposits rose
18.2% mitigating
lower CASA
balances
31 Dec 22 vs 31 Dec 21
Group CASA ratio moderated to 40.9% as at
Dec 22 (Dec 21: 47.1%), but remained above
pre-pandemic levels (Dec' 19: 35.5%)
Group LCR and NSFR strengthened to 145.4%
(Sep'22: 144.2%; Dec'21: 136.4%) and 118.1%
(Sep 22: 117.0%; Dec'21: 107.9%) respectively
31 Dec 22 vs 31 Dec 21
Loan loss coverage strengthened
to 131.2% (Sep’22: 122.3%; Dec'21:
111.9%) as newly impaired loan
formation remained low with Group
GIL ratio at 1.57% as at end Dec'22
(Sep 22: 1.70%; Dec'21: 1.99%)
(1.1%)
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