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Profit and Loss Summary (RM ‘mil) |
1H19 |
1H18 BAU* |
Y-o-Y |
---|---|---|---|
Operating Income |
8,635 |
8,239 |
4.8% |
Operating expenses |
(4,596) |
(4,228) |
8.7% |
PBT |
3,559 |
3,274 |
8.7% |
Net profit |
2,701 |
2,359 |
14.5% |
PBT by Segments (RM ‘mil) |
1H19 |
1H18 BAU* |
Y-o-Y |
---|---|---|---|
Consumer Banking |
766 |
1,456 |
(47.4%) |
Commercial Banking |
1,011 |
490 |
106.3% |
Wholesale Banking |
976 |
856 |
14.0% |
Corporate Banking |
623 |
665 |
(6.3%) |
Treasury & Markets |
363 |
161 |
125.5% |
Investment Banking |
(10) |
30 |
(133.3%) |
GVPF * |
806 |
472 |
70.8% |
Gross Loans (RM ‘bil) |
Jun-19 |
Jun-18 |
Y-o-Y |
---|---|---|---|
Consumer Banking |
175.8 |
162.3 |
8.3% |
Commercial Banking |
66.4 |
63.6 |
4.4% |
Wholesale Banking |
113.7 |
107.0 |
6.3% |
Total |
355.9 |
332.9 |
6.9% |
By Geography | Y-o-Y |
---|---|
Malaysia |
6.6% |
Indonesia ^ |
2.5% |
Thailand ^ |
10.0% |
Singapore ^ |
(6.8%) |
Others** | 21.1% |
Group^^ |
4.9% |
Deposits (RM ‘bil) |
Jun-19 |
Jun-18 |
Y-o-Y |
---|---|---|---|
Consumer Banking |
171.3 |
147.7 |
16.0% |
Commercial Banking |
62.5 |
64.1 |
(2.5%) |
Wholesale Banking |
155.2 |
142.2 |
9.1% |
Total |
389.0 |
354.0 |
9.9% |
By Geography | Y-o-Y |
---|---|
Malaysia |
10.1% |
Indonesia ^ |
3.3% |
Thailand ^ |
6.5% |
Singapore ^ |
3.0% |
Others ** | 10.9% |
Group ^^ | 8.1% |
Key Operating Ratios (%) |
1H19 |
1H18 BAU* |
---|---|---|
Loan to Deposit (LDR) |
91.5 |
94.0 |
Gross Impaired Loans Ratio |
3.1 |
3.2 |
Allowance Coverage ^ |
96.6 |
106.8 |
Cost-to-Income |
53.2 |
51.3 |
NIM ~*** |
2.46 |
2.53 |
CET1** | 12.9 | 12.0 |
Profit and Loss Summary (RM ‘mil) |
2Q19 |
1Q19 |
2Q18 BAU* | Q-o-Q |
Y-o-Y |
---|---|---|---|---|---|
Operating Income |
4,469 |
4,166 |
3,936 | 7.3% |
13.5% |
Overhead expenses |
(2,294) |
(2,302) |
(2,087) | (0.3%) |
9.9% |
PBT |
1,956 |
1,603 |
1,531 | 22.0% |
27.8% |
Net profit |
1,509 |
1,192 |
1,053 | 26.6% |
43.3% |
PBT by Segments (RM ‘mil) |
2Q19 |
1Q19 |
2Q18 BAU* | Q-o-Q |
Y-o-Y |
---|---|---|---|---|---|
Consumer Banking |
183 |
583 |
709 | (68.6%) |
(74.2%) |
Commercial Banking |
690 |
321 |
365 | 115.0% |
89.0% |
Wholesale Banking |
499 |
477 |
280 | 4.6% |
78.2% |
Corporate Banking |
303 |
320 |
232 | (5.3%) |
30.6% |
Treasury & Markets |
203 |
160 |
46 | 26.9% |
341.3% |
Investment Banking |
(7) |
(3) |
2 | (133.3.%) |
(450.0%) |
GVPF * |
584 |
222 |
177 | 163.1% |
229.9% |
Group Funding | 272 | 164 | 166 | 65.9% | 63.9% |