Investor Presentaiton
Consumer Banking
Personal
(RM 'mil)
2Q23
Q-o-Q
1H23
Y-o-Y
Financing Others
3%
4%
Net interest income
1,683
7.1%
3,254
0.9%
Credit Cards
4%
Non interest income
499
(6.4%)
1,032
(4.3%)
Auto
12%
Operating income
2,182
3.7%
4,286
(0.4%)
Gross Loans
RM 220.9 bil
Overhead expenses
(1,246)
5.1%
(2,432)
9.9%
Term
Loans
6.7%
PPOP
936
2.0%
1,854
(11.3%)
15%
Mortgages
62%
(Provisions) / Write back.
(218)
(0.9%)
(438)
(28.3%)
Share of JV / Associates
2
(166.7%)
(1)
(106.7%)
PBT
720
3.6%
1,415
(5.4%)
Current
Account
>>> 2Q23 PBT growth of 3.6% supported by strong NII growth. Despite improved 1H23
provisions, PBT -5.4% YoY due to lower NOII and higher opex.
☑
>>
NII rose 7.1% QoQ from 2.3% loan growth and improved NIM, while the 0.9% YoY
rise was supported by 6.7% loan growth as NIM contracted. NOII declined from
lower investment fees and credit card fees from higher loyalty cost
Σ
Σ Provisions were lower largely from writeback of overlays in Malaysia
>>
Consumer loans grew 6.7% YoY driven by all core markets. Deposits +16.3% YoY
on the back of higher fixed deposits
9%
Savings
Account
31%
Fixed and
Structured
Deposits
Deposits
RM208.7 bil
▲16.3%
60%
14View entire presentation