Investor Presentaiton
I
Σ
Key Business/Operational Highlights
Operating income strong QoQ and YoY
Total Operating Income (RM 'mil)
+4.8% QoQ
+8.2% YoY
18,372
16,987
4,604
4,393
NIM~
FY21 NIM expanded to 2.45%, 18bps improvement YoY
FY21^
2.45%
FY20
2.27%
2.52%
2.51%
2.40%
2.41%
2.37%
3Q21
BAU^
4Q21
BAU^
FY20
FY21
BAU^
4Q20
1Q21
BAU
2Q21
Λ
3Q21
BAU
4Q21
Λ
Provisions down YoY from lower overlays and non-retail
Ended the year with stronger CIR from positive JAW
provisions
51.7%
Total Provision (RM'mil)
CIR
48.6%
+91.0% QoQ
-53.6% YoY
(RM 'mil)
6,798
16,987
+8.2%
18,372^
Operating Income
1,148
3,157
JAW
+6.4%
601
Operating expenses
8,775
+1.8%
8,938
PPOP
8,212
-+14.9%
9,434
3Q21
BAU*
4Q21
BAU*
FY20
FY21
BAU*
FY20
FY21
BAU
Notes: Excludes gain on deconsolidation of Touch 'n Go Digital of RM1,156 mil and exceptional items of RM15 mil
# Excludes: Exceptional items of RM482 mil
* Excludes 2Q21: Exceptional items of RM11 mil; 3Q21: Exceptional items of RM1,204 mil
~Annualised
5
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