Maybank Earnings Summary Q3 & 9M FY2020
Maybank Singapore: Overview of Loans and Deposits Portfolio
Diversified Loan Portfolio
Consumer deposits on par with business deposits
SGD Billion
% of
Portfolio
30 Sep
2020
31 Dec
2019
YTD
Ann.
30 Sep
2019
+10.2% YoY
YOY
47.6
48.3
CFS
57%
21.9
22.1 (1.4)% 22.7 (3.5%
Consumer
41%
15.8
16.0
(2.0)%
16.4
(3.9)%
Housing Loan
27%
10.5
10.6
(1.6)%
10.9
(4.2)%
Auto Loan
6%
2.3
2.4
(8.5)%
2.5
(8.3)%
Cards
1%
0.3
0.4
(27.0)%
0.4
(18.0)%
SGD billion
Others
7%
2.7
2.6
6.5%
2.6
3.8%
Non-Individuals
16%
6.1
6.1
0.0%
6.3
(2.7)%
52.5
Consumer -
Time Deposits
18.2
18.3
16.5
Consumer
49.8%
Consumer CASA
9.7
8.1
8.8
18.2
15.8
15.9
Corporate
50.2%
Business Time
Deposits
Business CASA
5.4
5.3
8.2
Sep 19
Dec 19
Sep 20
RSME
4%
1.7
1.5
17.9%
Business Banking
8%
3.2
3.2
0.3%
Others
4%
1.3
1.5
Global Banking
43%
16.4
18.5
Total
100%
38.6
1.5
3.4
(18.4)% 1.5 (12.8)%
(14.7)% 19.0 (13.5)%
40.7 (7.1)% 41.8 (7.8)%
13.6%
(5.4)%
Business deposits expanded SGD5.2 billion YoY, contributed mainly by
demand and fixed deposits growth.
Consumer CASA deposits grew, offsetting fixed deposits decline.
The pandemic situation impacted lending activities, with
declines in Maybank Singapore's loans portfolio.
% YoY change
4.7%
4.2%
8.3%
2.1%
-0.2%
-0.1%
-3.9%
-5.6%
-9.1%
-7.8%
Sep 19
Dec 19
Mar 20
Jun 20
Sep 20
Maybank Singapore Growth
-Industry Growth
CASA ratio lifted to 34.0% from 29.1% in December 2019
and from 28.4% September last year, on expanded
individual savings and demand deposits.
SGD billion
34.1
34.3
34.6
■Time Deposits
■Demand Deposits
■Savings
6.2
6.1
9.6
7.4
7.9
CASA Ratio:
34.0%
8.3
Sep 19
Dec 19
Sep 20
40
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