Malayan Banking Berhad Financial Analysis
Loans Under Relief Continue To Expire with Minimal AQ Slippage
% of Loans Under Repayment Assistance, Relief and R&R Programmes Against Respective Total Home Market Loans
Malaysia
Singapore
Indonesia
% of Outstanding Loan
31/10/22
31/01/23
Balance^
% of Outstanding Loan
Balance^
31/10/22 31/01/23
% of Outstanding Loan
Balance^
31/10/22
31/01/23
Mortgage
3.4%
1.1%
Mortgage
8.3%
6.7%
SME
44.9%
42.9%
Auto Finance
2.1%
2.0%
RSME
14.7%
11.2%
Unit Trust
3.2%
1.1%
Other Retail Loans
2.2%
1.8%
Business Banking (BB)
16.8%
15.7%
SME+
15.1%
11.1%
SME
11.5%1
Business Banking (BB)
14.3%
12.3%
1.6%1
Total CFS
5.8%
5.3%
Total CFS
10.0%
7.8%
Total CFS
3.5%
1.3%
Global Banking (GB)
3.7%
2.2%
Global Banking (GB)
8.2%
9.5%
Total Malaysia*
Total Singapore
3.3%
3.0%
3.7%
1.7%
Total Indonesia
9.2%
8.5%
*Includes URUS and Flood Relief Assistance Programmes
Loans that have commenced payments:
• SME: 9.9% missed payments
GB: 6% missed payments
•
All remaining loans under relief are under ESG²
96% prompt payments
CFS
GB
Outstanding loans still under relief
Principal-only deferment option at 12%
•Other relief packages at 88%
• 57% prompt payments
Outstanding loans still under relief
Principal-only deferment option at 69%
Reduced instalments at 15%
• Conversion of working capital to term loan
instalments and facility extensions at 16%
• 100% prompt payments
SME: Excludes all loans under expired programmes (no longer
under deferred or reduced payments)
GB: Excludes all loans that have commenced repayment
^ Against o/s total gross loans by each country's respective segments @ 31 Oct 2022 & 31 Jan 2023 2 ESG is the MAS SGD Facility that provides low-cost funding for banks to grant loans under Enterprise
Includes Special Relief Facility loans disbursed (RM0.74 billion as at Jan 2023)
Singapore's Temporary Bridging Loan Programme and Enterprise Financing Scheme - SME Working Capital Loan
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