Slide 1: Analyst Presentation 9M16 Results
Analyst Presentation 9M16 Results 16 November 2016
Slide 2: Agenda
Agenda 1. Key Highlights 2. CIMB Group 9M16 Financials 3. PBT by Segment 3.1 Regional Consumer Banking 3.2 Regional Commercial Banking 3.3 Regional Wholesale Banking 3.4 Group Asset Management & Investments 3.5 Group Funding 3.6 CIMB Islamic 4. T18 Updates 5. Final Remarks 2
Slide 3: 1. Key Highlights
CIMB Group : 9M16 Results 1. Key Highlights
Slide 4: Key Financial Highlights
Key Financial Highlights Operating Income (RM ‘mil) Overhead Expenses (RM ‘mil) Loan Impairment (RM ‘mil) +3.5% Y-o-Y +0.6% Y-o-Y +4.3% Y-o-Y +5.7% Q-o-Q +2.4% Q-o-Q ^ +4.9% Q-o-Q Net Profit (RM ‘mil) Gross Loans * (RM ‘mil) Deposits (RM ‘mil) +8.0% Y-o-Y +2.4% Y-o-Y +5.8% Y-o-Y +6.4% Q-o-Q +17.2% Q
Slide 5: Key Ratios
Key Ratios ROE NIM CI +110bps Q-o-Q -4bps Y-o-Y -160bps Y-o-Y -5bps Q-o-Q -30bps Y-o-Y -40bps Q-o-Q ^ ^~ LD Loan Loss Charge CET 1 -510bps Y-o-Y +160bps Y-o-Y Flat Q-o-Q +2bps Y-o-Y -370bps Q-o-Q +20bps Q-o-Q Notes: ^ Excluding 1Q15: IB restructuring cost (RM202 mil); 2Q15: MY MSS cost (RM316 mil);
Slide 6: PBT By Segments
PBT By Segments 9M16 9M15^~ 9M16 PBT Growth by Key Divisions Consumer Commercial Wholesale Group Asset Group Banking Banking Banking Management Funding & Investments PPOP Y-o-Y +18.2% +10.4% +4.5%^ -25.3%~ -48.8%~ PBT Y-o-Y +33.0% -32.0% +4.8%^ +1.0%~ -50.2%~ PBT Q-o-Q -18.3% Flat +6.9% -1.6% +597.7
Slide 7: PBT By Country
PBT By Country 9M16* 9M15*^~+ 9M16* PBT Y-o-Y Growth by Key Countries PPOP Y-o-Y +16.3%~ +33.6%+ +11.3% +0.1% # PBT Y-o-Y +7.5% ~ +104.2%+ -37.8% -37.6% # PBT Q-o-Q +10.8% +18.8% +628.6% -4.3% Notes: ^ Excluding IB restructuring cost (RM202 mil) # Excluding IB restructuring cost (RM41 mil) ~ Excludi
Slide 8: 2. CIMB Group 9M16 Financials
CIMB Group : 9M16 Results 2. CIMB Group 9M16 Financials
Slide 9: Quarterly Earnings Trend
Quarterly Earnings Trend *RM ’mil Notes: FY15: 1Q15 Excluding IB restructuring cost (RM202 mil) 2Q15 Excluding MY MSS cost (RM316 mil) and tax on MY MSS (RM79 mil) 3Q15 Excluding tax and MI on ID MSS (RM36 mil) and ID MSS cost (RM134 mil) 4Q15: ID MSS cost (RM32mil) and tax on ID MSS (RM8 mil) FY14:
Slide 10: Earnings Summary
Earnings Summary 9M15 (RM ‘mil) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU* Net interest income 8,247 7,885 4.6% 2,796 2,720 2.8% Non interest income 3,505 ^ 3,469 1.0% 1,328 ^ 1,183 12.3% Operating income 11,752 11,354 3.5% 4,124 3,903 5.7% Overhead expenses (6,421) (6,385) 0.6% (2,193) (2,091) 4.9% PPOP 5,331
Slide 11: Key Ratios
Key Ratios 9M15 (%) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU* ROE ~ 8.5 8.8 9.5 8.4 NIM ~** 2.61 2.65 2.58 2.63 Non-interest income / total income 29.8 30.5 32.2 30.3 Cost to income 54.6 56.2 53.2 53.6 Allowance coverage # 80.6 76.6 80.6 83.5 Loan loss charge ~ 0.73 0.71 0.79 0.79 Gross impaired loans ratio 3
Slide 12: Operating Expenses
Operating Expenses 9M15 (RM ‘mil) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU* Personnel 3,583 3,597 (0.4%) 1,223 1,205 1.5% Establishment 1,443 1,455 (0.8%) 478 448 6.7% Marketing 238 271 (12.2%) 95 60 58.3% Admin & General 1,157 1,062 8.9% 397 378 5.0% Total 6,421 6,385 0.6% 2,193 2,091 4.9% Total (Actual) 6,4
Slide 13: Gross Loans Growth
Gross Loans Growth Loans by Country as at 30 Sep 16 # Divisions / Products (RM ‘bil) 30 Sep 16 30 Sep 15 Y-o-Y 30 Jun 16 Q-o-Q Consumer Banking (51.5%) 155.3 144.0 7.8% 151.5 2.5% Mortgages 77.2 70.3 9.8% 74.9 3.1% Term Loans 34.7 32.5 6.8% 33.8 2.7% Auto 19.7 20.1 (2.0%) 19.9 (1.0%) Credit Cards 9.
Slide 14: Deposits Growth
Deposits Growth Deposits by Country as at 30 Sep 16 Divisions / Products (RM ‘bil) 30 Sep 16 30 Sep 15 Y-o-Y 30 Jun 16 Q-o-Q Consumer Banking (43.1%) 146.1 130.6 11.9% 139.4 4.8% Commercial Banking (13.5%) 45.6 43.0 6.0% 43.4 5.1% Wholesale Banking # (43.4%) 147.2 140.3 4.9% 135.6 8.6% Total * 338.9
Slide 15: CASA Growth
CASA Growth CASA by Country as at 30 Sep 16 Country (RM ‘bil) 30 Sep 16 30 Sep 15 Y-o-Y 30 Jun 16 Q-o-Q Malaysia 59.8 59.7 0.2% 60.7 (1.5%) Indonesia ** 29.9 26.7 12.0% 28.5 4.9% Thailand 11.4 7.5 52.0% 10.2 11.8% Singapore 12.2 11.7 4.3% 10.9 11.9% Others + 2.5 1.6 56.3% 2.2 13.6% Total * 115.8 107
Slide 16: Capital Management : CIMB Group
Capital Management : CIMB Group Capital Ratios Min Req. 10.6% 10.7% 10.9% CET1 5.125% 10.4% 9.3% 11.8% 11.8% 12.2% 12.4% Tier 1 6.625% 10.6% 15.4% 15.4% 15.6% 15.8% 13.4% Total Capital 8.625% + ^ # # Sep-15 Dec-15 ^ Mar-16 Jun-16 Sep-16 Leverage Ratio (times) Gearing Ratio Double Leverage Ratio + ^
Slide 17: 3. PBT by Segment
CIMB Group : 9M16 Results 3. PBT by Segment
Slide 18: PPOP by Segments
PPOP by Segments 9M15 PPOP (RM ‘mil) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU* Consumer Banking (41.7%) 2,225 1,883 18.2% 739 801 (7.7%) Commercial Banking (12.6%) 671 608 10.4% 222 209 6.2% Wholesale Banking (41.7%) 2,220 2,125 4.5% 705 816 (13.6%) Corporate Banking (26.7%) 1,421 1,538 (7.6%) 493 471 4.7% Tr
Slide 19: PBT by Segments
PBT by Segments 9M15 PBT (RM ‘mil) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU* Consumer Banking (46.6%) 1,711 1,286 33.0% 519 635 (18.3%) Commercial Banking (8.5%) 314 462 (32.0%) 84 84 - Wholesale Banking (36.5%) 1,341 1,279 4.8% 482 451 6.9% Corporate Banking (15.5%) 572 693 (17.5%) 221 171 29.2% Treasury & M
Slide 20: 3.1 Regional Consumer Banking
CIMB Group : 9M16 Results 3.1 Regional Consumer Banking
Slide 21: Consumer Banking
Consumer Banking (RM ‘mil) 9M16 9M15 Y-o-Y 3Q16 2Q16 Q-o-Q Net interest income 3,942 3,761 4.8% 1,344 1,309 2.7% Non interest income 1,333 1,183 12.7% 425 468 (9.2%) Operating income 5,275 4,944 6.7% 1,769 1,777 (0.5%) Overhead expenses (3,050) (3,061) (0.4%) (1,030) (976) 5.5% PPOP 2,225 1,883 18.2
Slide 22: Consumer Banking : Gross Loans
Consumer Banking : Gross Loans Country 30 Sep 16 30 Sep 15 Y-o-Y 30 Jun 16 Q-o-Q Malaysia (RM ‘bil) 117.2 107.8 8.7% 114.6 2.3% Indonesia (IDR ‘bil) 51,012 51,395 (0.7%) 51,908 (1.7%) Thailand (THB ‘bil) 101.0 93.6 7.9% 98.6 2.4% Singapore (SGD ‘mil) 2,902 2,683 8.2% 2,900 0.1% Others * (RM ‘bil) 0.
Slide 23: Consumer Banking : Deposits
Consumer Banking : Deposits Country 30 Sep 16 30 Sep 15 Y-o-Y 30 Jun 16 Q-o-Q Malaysia (RM ‘bil) 87.9 76.9 14.3% 84.7 3.8% Indonesia (IDR ‘bil) 92,409 93,000 (0.6%) 90,856 1.7% Thailand (THB ‘bil) 106.6 112.4 (5.2%) 105.0 1.5% Singapore (SGD ‘mil) 5,383 4,609 16.8% 5,078 6.0% Others * (RM ‘bil) 0.8
Slide 24: 3.2 Regional Commercial Banking
CIMB Group : 9M16 Results 3.2 Regional Commercial Banking
Slide 25: Commercial Banking
Commercial Banking (RM ‘mil) 9M16 9M15 Y-o-Y 3Q16 2Q16 Q-o-Q Net interest income 1,258 1,195 5.3% 421 406 3.7% Non interest income 242 249 (2.8%) 79 85 (7.1%) Operating income 1,500 1,444 3.9% 500 491 1.8% Overhead expenses (829) (836) (0.8%) (278) (282) (1.4%) PPOP 671 608 10.4% 222 209 6.2% (Provi
Slide 26: Commercial Banking : Gross Loans
Commercial Banking : Gross Loans Country 30 Sep 16 30 Sep 15 Y-o-Y 30 Jun 16 Q-o-Q Malaysia (RM ‘bil) 15.5 13.4 15.7% 15.2 2.0% Indonesia (IDR ‘bil) 33,043 35,267 (6.3%) 33,535 (1.5%) Thailand (THB ‘bil) 43.5 51.0 (14.7%) 46.6 (6.7%) Singapore (SGD ‘mil) 2,569 2,777 (7.5%) 2,557 0.5% Others * (RM ‘b
Slide 27: Commercial Banking : Deposits
Commercial Banking : Deposits Country 30 Sep 16 30 Sep 15 Y-o-Y 30 Jun 16 Q-o-Q Malaysia (RM ‘bil) 18.2 16.7 9.0% 17.9 1.7% Indonesia (IDR ‘bil) 35,677 35,064 1.7% 34,676 2.9% Thailand (THB ‘bil) 13.0 20.6 (36.9%) 13.8 (5.8%) Singapore (SGD ‘mil) 4,604 3,744 23.0% 4,313 6.7% Others * (RM ‘bil) 0.4 0
Slide 28: 3.3 Regional Wholesale Banking
CIMB Group : 9M16 Results 3.3 Regional Wholesale Banking
Slide 29: ASEAN Capital Markets Activities
ASEAN Capital Markets Activities Industry ASEAN ECM Industry ASEAN DCM USD ‘mil USD ‘bil -27.8% Y-o-Y +25.6% Y-o-Y +26.9% Q-o-Q +5.9% Q-o-Q Industry ASEAN IPO Industry ASEAN M&A USD ‘mil USD ‘bil -13.6% Y-o-Y +127.4% Y-o-Y -45.9% Q-o-Q +133.3% Q-o-Q 29 Sources: Bloomberg and Dealogic
Slide 30: Wholesale Banking
Wholesale Banking 9M15 (RM ‘mil) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU* Net interest income 2,724 2,603 4.6% 899 908 (1.0%) Non interest income 1,454 1,491 (2.5%) 508 511 (0.6%) Operating income 4,178 4,094 2.1% 1,407 1,419 (0.8%) Overhead expenses (1,958) (1,969) (0.6%) (702) (603) 16.4% PPOP 2,220 2,125
Slide 31: Wholesale Banking : Corporate Banking
Wholesale Banking : Corporate Banking (RM ‘mil) 9M16 9M15 Y-o-Y 3Q16 2Q16 Q-o-Q Net interest income 1,742 1,717 1.5% 601 561 7.1% Non interest income 452 525 (13.9%) 169 159 6.3% Operating income 2,194 2,242 (2.1%) 770 720 6.9% Overhead expenses (773) (704) 9.8% (277) (249) 11.2% PPOP 1,421 1,538 (7
Slide 32: Wholesale Banking : Gross Loans
Wholesale Banking : Gross Loans Country 30 Sep 16 30 Sep 15 Y-o-Y 30 Jun 16 Q-o-Q Malaysia (RM ‘bil) 34.1 33.0 3.3% 32.4 5.2% Indonesia (IDR ‘bil) 90,029 92,226 (2.4%) 89,893 0.2% Thailand (THB ‘bil) 55.7 51.5 8.2% 53.6 3.9% Singapore (SGD ‘mil) 5,232 5,988 (12.6%) 5,253 (0.4%) Others * (RM ‘bil) 16
Slide 33: Wholesale Banking : Deposits
Wholesale Banking : Deposits Country 30 Sep 16 30 Sep 15 Y-o-Y 30 Jun 16 Q-o-Q Malaysia (RM ‘bil) 54.4 51.2 6.3% 52.3 4.0% Indonesia (IDR ‘bil) 50,582 57,651 (12.3%) 53,760 (5.9%) Thailand (THB ‘bil) 61.2 38.0 61.1% 47.5 28.8% Singapore (SGD ‘mil) 2,413 2,034 18.6% 2,661 (9.3%) Others * (RM ‘bil) 15
Slide 34: Wholesale Banking : Treasury & Markets
Wholesale Banking : Treasury & Markets (RM ‘mil) 9M16 9M15 Y-o-Y 3Q16 2Q16 Q-o-Q Net interest income 811 757 7.1% 241 278 (13.3%) Non interest income 377 326 15.6% 101 165 (38.8%) Operating income 1,188 1,083 9.7% 342 443 (22.8%) Overhead expenses (447) (446) 0.2% (176) (123) 43.1% PPOP 741 637 16.3
Slide 35: Wholesale Banking : Investment Banking
Wholesale Banking : Investment Banking 9M15 (RM ‘mil) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU^ Net interest income 171 129 32.6% 57 69 (17.4%) Non interest income 625 640 (2.3%) 238 187 27.3% Operating income 796 769 3.5% 295 256 15.2% Overhead expenses (738) (819) (9.9%) (249) (231) 7.8% PPOP 58 (50) 216.0%
Slide 36: IB Market Share and Ranking (1)
IB Market Share and Ranking (1) 9M16 9M15 9M16 9M15 Market Market Market Market Rank Rank Rank Rank Share Share Share Share Cash Equities 10.5% 2 11.0% 1 Cash Equities 4.7% 3 4.9% 3 IPO 31.0% 1 9.9% 3 IPO - - 2.0% 13 ECM 20.2% 2 28.2% 1 ECM 1.6% 12 0.4% 20 EQL Products - - - - EQL Products - - - - M
Slide 37: IB Market Share and Ranking (2)
IB Market Share and Ranking (2) 9M16 9M15 9M16 9M15 Market Market ASEAN Market Market Rank Rank Rank Rank Share Share Share Share Cash Equities 0.3% 55 0.3% 51 Cash Equities 6.8% 2 7.4% 2 IPO 0.5% 33 0.8% 24 IPO 2.3% 20 3.7% 6 ECM 0.8% 31 0.5% 35 ECM 5.6% 5 6.4% 4 EQL Products 4.9% 7 - - EQL Product
Slide 38: 3.4 Group Asset Management & Investments
CIMB Group : 9M16 Results 3.4 Group Asset Management & Investments
Slide 39: Group Asset Management & Investments
Group Asset Management & Investments 9M15 PBT (RM ‘mil) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU* Public Markets 72 79 (8.9%) 32 12 166.7% Private Markets 132 123 7.3% 29 50 (42.0%) Direct Investments & Others 123 120 2.5% 31 43 (27.9%) Private Equity Fund Management 10 (3) 433.3% 2 7 (71.4%) Passive Fund Inv
Slide 40: 3.5 Group Funding
CIMB Group : 9M16 Results 3.5 Group Funding
Slide 41: Group Funding
Group Funding 9M15 (RM ’mil) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU* Net interest income 290 298 (2.7%) 123 84 46.4% Non interest income 130 ^ 148 (12.2%) 194 ^ 8 >1000% Total Income 420 446 (5.8%) 317 92 244.6% Overhead expenses (314) (239) (31.4%) (102) (133) 23.3% PPOP 106 207 (48.8%) 215 (41) 624.4% (Pr
Slide 42: 3.6 CIMB Islamic
CIMB Group : 9M16 Results 3.6 CIMB Islamic
Slide 43: Islamic: Earnings Summary
Islamic: Earnings Summary 9M15 (RM ‘mil) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU * Net financing income 958 900 6.4% 313 329 (4.9%) Non financing income 292 228 28.1% 104 66 57.6% Operating income 1,250 1,128 10.8% 417 395 5.6% Overhead expenses (463) (488) (5.1%) (155) (147) 5.4% PPOP 787 640 23.0% 262 248
Slide 44: Malaysia : CIMB Islamic
Malaysia : CIMB Islamic Islamic Financing and Deposits Islamic Residential Mortgages RM ‘bil RM ‘mil +9.8% Y-o-Y +19.9% Y-o-Y +9.8% Y-o-Y +2.3% Q-o-Q +11.4% Q-o-Q +2.4% Q-o-Q Ranking of Total Islamic Assets as at 30 Jun 2016 9M16 9M15 Sukuk Total Assets Market Market Market Rank Company Rank Rank RM
Slide 45: 4. T18 Updates
CIMB Group : 9M16 Results 4. T18 Updates
Slide 46: T18 Progress Update
T18 Progress Update A total of 18 programmes have been identified to propel the Group towards its T18 targets T18 Oversight Committee Project Management Office Focus Areas of the T18 Programmes Wholesale Commercial Consumer Banking Banking Banking Programme sponsors identified for each Further profi
Slide 47: T18: 3Q16 Key highlights
T18: 3Q16 Key highlights Digital Banking Development of new enhanced digital propositions, pending regulatory approval on certain aspects Digital sales enablement initiatives replicated in Indonesia, Singapore and Thailand Consumer Branch Productivity Banking Branch and sales productivity opti
Slide 48: T18: 3Q16 Key highlights
T18: 3Q16 Key highlights Product development and sales initiatives: CASA initiatives - increased focus on payroll accounts Islamic Simplifying product suite and working to improve customer experience Banking Positive momentum in Bancatakaful (Takaful Suria) “Islamic first” initiative for selec
Slide 49: T18: 3Q16 Key highlights
T18: 3Q16 Key highlights Culture Launched business sponsors and informal leaders network across the region to further strengthen the network of culture influencers Various staff engagement activities on-going Strategic Manpower Planning HR initiatives 2017 headcount planning and various job ev
Slide 50: 5. Final Remarks
CIMB Group : 9M16 Results 5. Final Remarks
Slide 51: Targets for 2016
Targets for 2016 9M16 FY16 Target 1,3 ROE 8.5% 10.0% Dividend Payout Ratio 26% 40% Total Loans Growth * 2.4% (2.2%**) 10.0% Loan Loss Charge 73bps 1 60-70 bps 2 CET 1 (CIMB Group) 10.9% 11.0% 3 Cost to income 54.6% <53.0% Notes: * Excluding bad bank ** Excluding FX fluctuations 1. 9M16 Annualised 2.
Slide 52: Final Remarks
Final Remarks Outlook remains challenging given market conditions Steady improvements in loan growth whilst cost and asset quality management remain as priorities Continued momentum in Malaysia across business segments with asset quality remaining stable CIMB Niaga to continue focus on CASA with sel
Slide 53: Thank You
THANK YOU 53
Slide 54: Appendices
CIMB Group : 9M16 Results Appendices
Slide 55: Consumer Banking Key Highlights
Consumer Banking Key Highlights Y-o-Y Q-o-Q Y-o-Y Q-o-Q Consumer Gross Loans * 8.7% 2.3% Consumer Gross Loans (0.7%) (1.7%) Mortgages 11.5% 2.9% Mortgages 1.6% 0.5% Term loans 6.2% 1.7% Auto (17.4%) (10.6%) Auto 3.7% 1.5% Credit cards 33.1% 9.1% Credit cards 3.9% - Consumer Deposits (0.6%) 1.7% Cons
Slide 56: Consolidated Balance Sheet Changes
Consolidated Balance Sheet Changes (RM ‘mil) 30 Sep 16 30 Sep 15 Y-o-Y 30 Jun 16 Q-o-Q Cash & short term funds 37,584 28,184 33.4% 31,613 18.9% Securities purchased under resale agreements 9,328 6,361 46.6% 7,076 31.8% Deposits & placements with financial institutions 3,023 4,372 (30.9%) 2,914 3.7%
Slide 57: Asset Quality Ratios – CIMB Group
Asset Quality Ratios – CIMB Group 84.8% 84.2% 84.7% 84.8% 83.5% 83.8% 82.7% 82.2% 79.2% 80.6% 77.9% 84.4% 83.7% 83.6% 76.6% 84.4% 83.0% 82.6% 74.2% 81.8% 81.7% 80.0% 77.4% 76.9% 75.6% 71.9% 3.4% 3.3% 3.3% 3.4% 3.2% 3.2% 3.1% 3.1% 3.1% 3.2% 3.0% 3.0% 3.2% 2.9% 2.8% 2.9% 3.1% 3.2% 2.9% 3.0% 3.1% 2.7%
Slide 58: AFS MTM (Q-o-Q) Position
AFS MTM (Q-o-Q) Position Sep-15 Dec-15 Mar-15 Jun-16 Sep-16 58
Slide 59: CIMB Niaga : Earnings Summary
CIMB Niaga : Earnings Summary 9M15 (IDR ‘bil) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU* Net interest income 8,887 8,524 4.3% 3,074 2,976 3.3% Non interest income 2,239 1,736 29.0% 775 748 3.6% Operating income 11,126 10,260 8.4% 3,849 3,724 3.4% Overhead expenses (5,543) (5,440) 1.9% (1,874) (1,847) 1.5% PPOP
Slide 60: CIMB Niaga : Key Ratios
CIMB Niaga : Key Ratios 9M15 (Consolidated, %) 9M16 Y-o-Y 3Q16 2Q16 Q-o-Q BAU + ROE ^ 5.5 2.9 6.8 5.7 NIM ^ 5.54 5.19 5.67 5.62 Cost to Income 49.8 53.0 48.7 49.6 Loan Loss Coverage # 107.0 121.0 107.0 120.9 Allowance Coverage 85.5 74.0 85.5 95.6 Loan Loss Charge ^ 2.7 2.9 2.6 2.8 Gross Impaired Loa
Slide 61: CIMB Thai : Earnings Summary
CIMB Thai : Earnings Summary Before GAAP Adjustments 9M16 9M15 Y-o-Y 3Q16 2Q16 Q-o-Q (THB ‘mil) Net interest income 7,338 6,159 19.1% 2,462 2,486 (1.0%) Non interest income 2,356 3,115 (24.4%) 744 688 8.2% Operating income 9,693 9,274 4.5% 3,205 3,173 1.0% Overhead expenses (5,311) (5,312) (0.02%) (
Slide 62: CIMB Thai : Key Ratios
CIMB Thai : Key Ratios (Consolidated, %) 9M16 9M15 Y-o-Y 3Q16 2Q16 Q-o-Q ROE ^ 3.9 4.9 6.3 0.6 NIM ^ 3.76 3.16 3.71 3.86 Cost to Income 54.8 57.3 56.8 54.7 Loan Loss Coverage ** 81.6 89.2 81.6 92.8 Loan Loss Charge ^ 2.2 1.9 1.6 2.8 Gross NPL ratio ** 4.2 4.3 4.2 4.3 Net NPL ratio ** 2.5 2.2 2.5 2.3
Slide 63: 3Q16 Notable Deals
3Q16 Notable Deals DCM ECM CIMB Islamic Bank Berhad KHAZANAH Khazanah Nasional Berhad RM20.0 bil Islamic asset backed securities NASIONAL RM1.2 bil TNB Block Trade programme based on the Islamic principle of BERHAD (Largest block trade in Southeast Asia YTD Oct-16) Wakalah Bi Al-Istithmar (First Isl
Slide 64: Corporate Responsibility (1)
Corporate Responsibility (1) CIMB Foundation Regional CSR Launch of Feeding the Needy Programme in Donation Brickfields Donation to Yayasan Onkologi Anak Indonesia (YOAI) Food distribution of 100 vegetarian packet meals, 5 as part of The Color Run activities Community days a week to the homeless Gre
Slide 65: Corporate Responsibility (2)
Corporate Responsibility (2) Water Filtration Programme Feeding the Needy Distribution of Qurban Livestock ICT Programme at Sawassdee CEO’S Office Raya Lunch CIMB-UUM Chair Talk Wittaya School 65