Investor Presentaiton
PBT By Country
Others
Singapore -2%
Thailand
5%
9%
FY21
Group PBT
Indonesia
25%
RM6,345 mil
▲ 314.7%
Malaysia
63%
> Malaysia PBT +122.9% YoY from improved NIM and lower
Corporate provisions YoY. QoQ decline mainly from higher.
Corporate provisions in 4Q21
> Stronger YoY performance in Indonesia from topline expansion
and lower provisions. However, higher provisions from
Consumer leading to 5.0% QoQ decline in PBT
> Thailand PBT rose YoY from lower provisions and operating
expenses. QoQ PBT decline mainly due to weaker income from
lower asset base
> Singapore PBT stronger YoY from better income, lower
Corporate provisions and Commercial recoveries. QoQ decline.
with higher overheads from accrued expenses
Malaysia
Indonesia"
+
Thailand
Singapore
PBT
RM (mil)
3,995
1,575
305
575
Y-o-Y
▲ 122.9%
89.9%
82.6%
155.3%
Q-o-Q
43.8%
Notes: Excludes exceptional items of:
~RM1,618 mil;
^RM42 mil;
+RM11 mil;
*RM42 mil
5.0%
7.6%
58.2%
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