FY2023 M25+ Progress: Enhancing Digital Banking
Robust Capital Positions
Capital Ratios
Post dividend
18.20%
18.48%
Group
15.49%
15.79%
•
Key Drivers
Capital ratios remain robust with Group CET1 capital ratio at 15.09% and
Group total capital ratio at 18.48%, well above regulatory requirements
Credit RWA growth of 2.7% YoY remains below Group gross loans growth of
5.3%, as a result of ongoing RWA optimisation initiatives to ensure optimal
capital utilisation
14.78%
15.09%
Growth (%)
YOY
YTD Ann.
Dec 22
Mar 23
■Total Capital Ratio
Group Gross Loans
5.3%
3.3%
Tier 1 Capital Ratio CET 1 Capital Ratio
Total Group RWA
1.4%
3.6%
- Group Credit RWA
2.7%
6.4%
17.07%
17.40%
Bank
14.48%
14.78%
13.70%
13.99%
Dec 22
Mar 23
Regulatory Requirements:
Min. CET 1 Capital Ratio + Capital Conservation Buffer (CCB) is 7.0%, min. Tier 1
Capital Ratio + CCB is 8.5% and min. Total Capital Ratio + CCB is 10.5%
• 1.0% D-SIB Buffer effective 31 January 2021
.
Pending announcement of the countercyclical capital buffer (CCyB) rate by BNM
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