Maybank Earnings Summary Q3 & 9M FY2020
Asset Quality by Line of Business in Home Markets
Consumer lines records QoQ improvement across the markets, with slight uptick seen in some business lines
Consumer
Mortgage
Auto Finance
Credit Cards
MBI GIL normalised to
3.12% 3.11%
include IFRS 9 impact
7.98%
5.39%
7.16%
2.38%
4.65%
4.70%
2.22%
1.71% 1.77%
1.88%
1.05%
2.44% 2.35%
2.90%
2.97%
0.98%
0.88%
1.66%
0.91%
0.87% 0.92% 0.85% 0.77%
1.06%
1.05%
0.67%
0.71%
0.53%
0.65%
0.40%
0.59%
0.62%
0.65%
0.11%
0.27%
0.13%
0.56%
0.59%
0.09%
0.16%
0.58%
0.55%
0.64%
0.50% 0.28%
T
Sep 19
Business
Dec 19 Mar 20 Jun 20 Sep 20
Retail SME (RSME)
Sep 19
Dec 19 Mar 20 Jun 20 Sep 20
Sep 19
Business Banking (BB)
Dec 19 Mar 20 Jun 20 Sep 20
Corporate Banking (CB)
Note:
8.85%
9.76%
8.38%
9.40% 9.63%
10.30%
6.49%
8.25%
4.51%
7.92%
8.70% 9.18%
4.21%
4.30%
7.61%
6.39%
7.60% 7.34%
7.43% 7.56%
2.37% 2.42%
2.23%
6.21%
2.27%
2.23%
2.26% 2.35%
2.02%
2.02%
1.67%
2.44%
1.75%
1.76%
1.58% 1.89%
4.37%
2.79% 2.49% 2.37%
4.58%
3.95% 4.08%
2.20% 2.16%
Sep 19
Dec 19 Mar 20
Jun 20 Sep 20
Sep 19
Dec 19
-Malaysia
Mar 20 Jun 20 Sep 20
-Singapore Indonesia
Sep 19
Dec 19 Mar 20
Jun 20 Sep 20
• In Malaysia, industry GIL ratio for mortgage (purchase of residential property) is 0.9%, 0.4% for auto finance and 0.9% for credit cards.
•
In Singapore, industry GIL figure is only available for mortgage, which was 0.5%.
.
Maybank Indonesia's GIL ratios are mapped in accordance to its local regulatory reporting requirements. It has fully adopted IFRS 9 effective 1Q FY2020 reporting.
14
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