Cimb Group Holdings Bhd · MYX:CIMB
Cimb Group Holdings Bhd — FY2016 Earnings Presentation
68 slides from Cimb Group Holdings Bhd's earnings presentation, Feb 28, 2017
Slide 1: Analyst Presentation FY16 Results
CIMB Group Analyst Presentation FY16 Results Tengku Dato’ Sri Zafrul Aziz 28 February 2017
Slide 2: Agenda
Agenda 1. Key Highlights 2. CIMB Group FY16 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 : FY16 Results 1. Key Highlights
Slide 4: Key Financial Highlights
Key Financial Highlights Operating Income (RM ‘mil) Overhead Expenses (RM ‘mil) Loan Impairment (RM ‘mil) +4.4% Y-o-Y +1.0% Y-o-Y +11.1% Y-o-Y +4.6% Q-o-Q +1.7% Q-o-Q +24.7% Q-o-Q ^ Net Profit (RM ‘mil) Gross Loans * (RM ‘mil) Deposits (RM ‘mil) +8.7% Y-o-Y +5.6% Y-o-Y +4.5% Y-o-Y -16.5% Q-o-Q +6.3%
Slide 5: Key Ratios
Key Ratios ROE NIM CI -30bps Y-o-Y +11bps Q-o-Q -170bps Y-o-Y -180bps Q-o-Q -3bps Y-o-Y -150bps Q-o-Q ^ ^~ LD Loan Loss Charge CET 1 +270bps Y-o-Y +90bps Y-o-Y +14bps Q-o-Q +1bps Y-o-Y +40bps Q-o-Q +580bps 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 FY16 FY15^~ FY16 PBT Growth by Key Divisions Consumer Commercial Wholesale Group Asset Group Banking Banking Banking Management Funding & Investments PPOP Y-o-Y +22.1% +9.8% +4.9% ^ -36.9% ~ -32.5% ~ PBT Y-o-Y +35.0% -55.3% +11.3% ^ -2.5% ~ -50.3% ~ PBT Q-o-Q +6.9% -136.9% +28.4% -54
Slide 7: PBT By Country
PBT By Country FY16* FY15*^~ + FY16* PBT Y-o-Y Growth by Key Countries PPOP Y-o-Y +14.7%~ +36.2% + +19.1% +1.9% # PBT Y-o-Y +7.4% ~ +134.6% + -90.8% -36.2% # PBT Q-o-Q +11.1% +39.8% -356.9% -37.3% Notes: ^ Excluding IB restructuring cost (RM202 mil) # Excluding IB restructuring cost (RM41 mil) ~ Exc
Slide 8: Targets for 2016
Targets for 2016 FY16 FY16 Target ROE 8.3% 10.0% Dividend Payout Ratio 49.5% 40% Total Loans Growth * 8.7% 10.0% Loan Loss Charge 74 bps 60-70 bps CET 1 (CIMB Group) 11.3% 11.0% Cost to income 53.9% <53.0% 8 Notes: * Excluding bad bank
Slide 9: 2. CIMB Group FY16 Financials
CIMB Group : FY16 Results 2. CIMB Group FY16 Financials
Slide 10: Yearly Earnings Trend
Yearly Earnings Trend Average BAU ROE from 2012 – 2016 11.3% *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 ID MSS cost (RM134 mil) and tax and MI on ID MSS (RM36 mil) 4Q15: ID MSS cost (RM32m
Slide 11: Earnings Summary
Earnings Summary FY15 (RM ‘mil) FY16 Y-o-Y 4Q16 3Q16 Q-o-Q BAU* Net interest income 11,263 10,695 5.3% 3,016 2,796 7.9% Non interest income 4,802 ^ 4,700 2.2% 1,297 1,328 ^ (2.3%) Operating income 16,065 15,395 4.4% 4,313 4,124 4.6% Overhead expenses (8,651) (8,565) 1.0% (2,230) (2,193) 1.7% PPOP 7,
Slide 12: Key Ratios
Key Ratios FY15 (%) FY16^ Y-o-Y 4Q16 3Q16^ Q-o-Q BAU* ROE ~ 8.3 8.6 7.7 9.5 NIM ~** 2.63 2.66 2.69 2.58 Non-interest income / total income 29.9 30.5 30.1 32.2 Cost to income 53.9 55.6 51.7 53.2 Allowance coverage # 79.8 84.7 79.8 80.6 Loan loss charge ~ 0.74 0.73 0.93 0.79 Gross impaired loans ratio
Slide 13: Operating Expenses
Operating Expenses FY15 (RM ‘mil) FY16 Y-o-Y 4Q16 3Q16 Q-o-Q BAU* Personnel 4,821 4,771 1.0% 1,238 1,223 1.2% Establishment 1,927 1,942 (0.8%) 484 478 1.3% Marketing 311 359 (13.4%) 73 95 (23.2%) Admin & General 1,592 1,493 6.6% 435 397 9.6% Total 8,651 8,565 1.0% 2,230 2,193 1.7% Total (Actual) 8,6
Slide 14: Gross Loans Growth
Gross Loans Growth Loans by Country as at 31 Dec 16 # Divisions / Products (RM ‘bil) 31 Dec 16 31 Dec 15 Y-o-Y 30 Sep 16 Q-o-Q Consumer Banking (50.2%) 160.9 147.8 8.9% 155.3 3.6% Mortgages 80.2 72.2 11.1% 77.2 3.9% Term Loans 36.3 33.4 8.7% 34.7 4.6% Auto 19.7 20.1 (2.0%) 19.7 - Credit Cards 9.8 8.
Slide 15: Deposits Growth
Deposits Growth Deposits by Country as at 31 Dec 16 Divisions / Products (RM ‘bil) 31 Dec 16 31 Dec 15 Y-o-Y 30 Sep 16 Q-o-Q Consumer Banking (44.7%) 151.4 134.6 12.5% 146.1 3.6% Commercial Banking (13.6%) 45.9 42.9 7.0% 45.6 0.7% Wholesale Banking # (41.7%) 141.2 143.0 (1.3%) 147.2 (4.1%) Total * 3
Slide 16: CASA Growth
CASA Growth CASA by Country as at 31 Dec 16 Country (RM ‘bil) 31 Dec 16 31 Dec 15 Y-o-Y 30 Sep 16 Q-o-Q Malaysia 63.1 60.8 3.8% 59.8 5.5% Indonesia ** 30.7 26.0 18.1% 29.9 2.7% Thailand 10.6 9.3 14.0% 11.4 (7.0%) Singapore 14.1 11.4 23.7% 12.2 15.6% Others + 2.3 1.9 21.1% 2.5 (8.0%) Total * 120.8 10
Slide 17: Capital Management : CIMB Group
Capital Management : CIMB Group Capital Ratios Min Req. 11.3% CET1 5.125% 10.4% 10.6% 10.7% 10.9% 11.8% 12.2% 12.4% 12.9% 11.8% Tier 1 6.625% 15.4% 15.4% 15.6% 15.8% 16.4% Total Capital 8.625% Dec-15 ^ Mar-16 ^ Jun-16 # Sep-16 # Dec-16 + Leverage Ratio (times) Gearing Ratio Double Leverage Ratio 16.
Slide 18: 3. PBT by Segment
CIMB Group : FY16 Results 3. PBT by Segment
Slide 19: PPOP by Segments
PPOP by Segments FY15 PPOP (RM ‘mil) FY16 Y-o-Y 4Q16 3Q16 Q-o-Q BAU* Consumer Banking (41.5%) 3,074 2,517 22.1% 849 739 14.9% Commercial Banking (12.6%) 933 850 9.8% 262 222 18.0% Wholesale Banking (40.8%) 3,034 2,892 4.9% 814 705 15.5% Corporate Banking (27.4%) 2,035 2,025 0.5% 614 493 24.5% Treasu
Slide 20: PBT by Segments
PBT by Segments FY15 PBT (RM ‘mil) FY16 Y-o-Y 4Q16 3Q16 Q-o-Q BAU* Consumer Banking (46.4%) 2,266 1,678 35.0% 555 519 6.9% Commercial Banking (5.8%) 283 633 (55.3%) (31) 84 (136.9%) Wholesale Banking (40.1%) 1,960 1,761 11.3% 619 482 28.4% Corporate Banking (20.2%) 988 910 8.6% 416 221 88.2% Treasur
Slide 21: 3.1 Regional Consumer Banking
CIMB Group : FY16 Results 3.1 Regional Consumer Banking
Slide 22: Consumer Banking
Consumer Banking (RM ‘mil) FY16 FY15 Y-o-Y 4Q16 3Q16 Q-o-Q Net interest income 5,365 5,051 6.2% 1,423 1,344 5.9% Non interest income 1,833 1,604 14.3% 500 425 17.6% Operating income 7,198 6,655 8.2% 1,923 1,769 8.7% Overhead expenses (4,124) (4,138) (0.3%) (1,074) (1,030) 4.3% PPOP 3,074 2,517 22.1%
Slide 23: Consumer Banking : Gross Loans
Consumer Banking : Gross Loans Country 31 Dec 16 31 Dec 15 Y-o-Y 30 Sep 16 Q-o-Q Malaysia (RM ‘bil) 121.1 111.0 9.1% 117.2 3.3% Indonesia (IDR ‘bil) 50,205 51,973 (3.4%) 51,012 (1.6%) Thailand (THB ‘bil) 102.9 93.6 9.9% 101.0 1.9% Singapore (SGD ‘mil) 2,923 2,798 4.5% 2,902 0.7% Others * (RM ‘bil) 0
Slide 24: Consumer Banking : Deposits
Consumer Banking : Deposits Country 31 Dec 16 31 Dec 15 Y-o-Y 30 Sep 16 Q-o-Q Malaysia (RM ‘bil) 89.7 81.2 10.5% 87.9 2.0% Indonesia (IDR ‘bil) 93,677 92,216 1.6% 92,409 1.4% Thailand (THB ‘bil) 105.6 103.8 1.7% 106.6 (0.9%) Singapore (SGD ‘mil) 5,648 4,631 22.0% 5,383 4.9% Others * (RM ‘bil) 0.9 0.
Slide 25: 3.2 Regional Commercial Banking
CIMB Group : FY16 Results 3.2 Regional Commercial Banking
Slide 26: Commercial Banking
Commercial Banking (RM ‘mil) FY16 FY15 Y-o-Y 4Q16 3Q16 Q-o-Q Net interest income 1,704 1,630 4.5% 446 421 5.9% Non interest income 339 321 5.6% 97 79 22.8% Operating income 2,043 1,951 4.7% 543 500 8.6% Overhead expenses (1,110) (1,101) 0.8% (281) (278) 1.1% PPOP 933 850 9.8% 262 222 18.0% (Provisio
Slide 27: Commercial Banking : Gross Loans
Commercial Banking : Gross Loans Country 31 Dec 16 31 Dec 15 Y-o-Y 30 Sep 16 Q-o-Q Malaysia (RM ‘bil) 16.3 14.4 13.2% 15.5 5.2% Indonesia (IDR ‘bil) 34,509 34,184 1.0% 33,043 4.4% Thailand (THB ‘bil) 41.3 50.6 (18.4%) 43.5 (5.1%) Singapore (SGD ‘mil) 2,588 2,634 (1.7%) 2,569 0.7% Others * (RM ‘bil)
Slide 28: Commercial Banking : Deposits
Commercial Banking : Deposits Country 31 Dec 16 31 Dec 15 Y-o-Y 30 Sep 16 Q-o-Q Malaysia (RM ‘bil) 18.9 18.0 5.0% 18.2 3.8% Indonesia (IDR ‘bil) 34,319 32,724 4.9% 35,677 (3.8%) Thailand (THB ‘bil) 13.1 17.6 (25.6%) 13.0 0.8% Singapore (SGD ‘mil) 4,323 3,776 14.5% 4,604 (6.1%) Others * (RM ‘bil) 0.5
Slide 29: 3.3 Regional Wholesale Banking
CIMB Group : FY16 Results 3.3 Regional Wholesale Banking
Slide 30: ASEAN Capital Markets Activities
ASEAN Capital Markets Activities Industry ASEAN ECM Industry ASEAN DCM USD ‘mil USD ‘mil -20.8% Y-o-Y +17.9% Y-o-Y Industry ASEAN IPO Industry ASEAN M&A USD ‘mil USD ‘bil +140.2% Y-o-Y -6.3% Y-o-Y Sources: Bloomberg and Dealogic 30
Slide 31: Wholesale Banking
Wholesale Banking FY15 (RM ‘mil) FY16 Y-o-Y 4Q16 3Q16 Q-o-Q BAU* Net interest income 3,731 3,571 4.5% 1,007 899 12.0% Non interest income 1,967 1,992 (1.3%) 513 508 1.0% Operating income 5,698 5,563 2.4% 1,520 1,407 8.0% Overhead expenses (2,664) (2,671) (0.3%) (706) (702) 0.6% PPOP 3,034 2,892 4.9%
Slide 32: Wholesale Banking : Corporate Banking
Wholesale Banking : Corporate Banking (RM ‘mil) FY16 FY15 Y-o-Y 4Q16 3Q16 Q-o-Q Net interest income 2,422 2,320 4.4% 680 601 13.1% Non interest income 676 666 1.5% 224 169 32.5% Operating income 3,098 2,986 3.8% 904 770 17.4% Overhead expenses (1,063) (961) 10.6% (290) (277) 4.7% PPOP 2,035 2,025 0.
Slide 33: Wholesale Banking : Gross Loans
Wholesale Banking : Gross Loans Country 31 Dec 16 31 Dec 15 Y-o-Y 30 Sep 16 Q-o-Q Malaysia (RM ‘bil) 36.6 32.4 13.0% 34.1 7.3% Indonesia (IDR ‘bil) 95,450 91,199 4.7% 90,029 6.0% Thailand (THB ‘bil) 55.7 51.6 7.9% 55.7 - Singapore (SGD ‘mil) 5,784 5,403 7.1% 5,222 10.8% Others * (RM ‘bil) 19.1 19.8
Slide 34: Wholesale Banking : Deposits
Wholesale Banking : Deposits Country 31 Dec 16 31 Dec 15 Y-o-Y 30 Sep 16 Q-o-Q Malaysia (RM ‘bil) 56.9 53.6 6.2% 54.4 4.6% Indonesia (IDR ‘bil) 52,575 53,593 (1.9%) 50,582 3.9% Thailand (THB ‘bil) 65.0 48.8 33.2% 61.2 6.2% Singapore (SGD ‘mil) 1,499 3,247 (53.8%) 2,413 (37.9%) Others * (RM ‘bil) 10.
Slide 35: Wholesale Banking : Treasury & Markets
Wholesale Banking : Treasury & Markets (RM ‘mil) FY16 FY15 Y-o-Y 4Q16 3Q16 Q-o-Q Net interest income 1,071 1,081 (0.9%) 260 241 7.9% Non interest income 461 445 3.6% 84 101 (16.8%) Operating income 1,532 1,526 0.4% 344 342 0.6% Overhead expenses (603) (619) (2.6%) (156) (176) (11.4%) PPOP 929 907 2.
Slide 36: Wholesale Banking : Investment Banking
Wholesale Banking : Investment Banking FY15 (RM ’mil) FY16 Y-o-Y 4Q16 3Q16 Q-o-Q BAU^ Net interest income 238 170 40.0% 67 57 17.5% Non interest income 830 881 (5.8%) 205 238 (13.9%) Operating income 1,068 1,051 1.6% 272 295 (7.8%) Overhead expenses (998) (1,091) (8.5%) (260) (249) 4.4% PPOP 70 (40)
Slide 37: IB Market Share and Ranking (1)
IB Market Share and Ranking (1) FY16 FY15 FY16 FY15 Market Market Market Market Rank Rank Rank Rank Share Share Share Share Cash Equities 10.4% 2 10.8% 2 Cash Equities 4.2% 3 4.8% 4 IPO 26.9% 1 13.1% 3 IPO - - 1.6% 19 ECM 20.2% 2 24.5% 1 ECM 1.1% 12 2.4% 11 EQL Products - - - - EQL Products - - - -
Slide 38: IB Market Share and Ranking (2)
IB Market Share and Ranking (2) FY16 FY15 FY16 FY15 Market Market ASEAN Market Market Rank Rank Rank Rank Share Share Share Share Cash Equities 0.3% 55 0.3% 54 Cash Equities 6.6% 2 7.3% 2 IPO 0.4% 36 0.8% 30 IPO 3.0% 11 4.1% 6 ECM 0.6% 36 0.5% 36 ECM 5.6% 5 6.7% 3 EQL Products 3.1% 9 - - EQL Product
Slide 39: 3.4 Group Asset Management & Investments
CIMB Group : FY16 Results 3.4 Group Asset Management & Investments
Slide 40: Group Asset Management & Investments
Group Asset Management & Investments FY15 PBT (RM ‘mil) FY16 Y-o-Y 4Q16 3Q16 Q-o-Q BAU* Public Markets 106 105 1.0% 33 32 3.1% Private Markets 126 133 (5.3%) (5) 29 (117.2%) Direct Investments & Others ~ 128 124 3.2% 6 31 (80.6%) Private Equity Fund Management 34 3 >1,000% 25 2 >1,000% Passive Fund
Slide 41: 3.5 Group Funding
CIMB Group : FY16 Results 3.5 Group Funding
Slide 42: Group Funding
Group Funding FY15 (RM ’mil) FY16 Y-o-Y 4Q16 3Q16 Q-o-Q BAU* Net interest income 424 402 5.5% 134 123 8.9% Non interest income 178 ^ 174 2.3% 48 194 ^ (75.3%) Total Income 602 576 4.5% 182 317 (42.6%) Overhead expenses (405) (284) 42.6% (91) (102) (10.8%) PPOP 197 292 (32.5%) 91 215 (57.7%) (Provisi
Slide 43: 3.6 CIMB Islamic
CIMB Group : FY16 Results 3.6 CIMB Islamic
Slide 44: Group Islamic: Earnings Summary
Group Islamic: Earnings Summary FY15 (RM ‘mil) FY16 Y-o-Y 4Q16 3Q16 Q-o-Q BAU * Net financing income 1,296 1,210 7.1% 338 313 8.0% Non financing income 380 329 15.5% 88 104 (15.4%) Operating income 1,676 1,539 8.9% 426 417 2.2% Overhead expenses (616) (649) (5.1%) (153) (155) (1.3%) PPOP 1,060 890 1
Slide 45: Malaysia : CIMB Islamic
Malaysia : CIMB Islamic Islamic Financing and Deposits Islamic Residential Mortgages RM ‘bil RM ‘mil +9.8% CAGR +9.2% CAGR +10.6% CAGR +6.6% Y-o-Y +16.7% Y-o-Y +19.5% Y-o-Y Ranking of Total Islamic Assets as at 30 Sep 2016 FY16 FY15 Sukuk Total Assets Market Market Market Rank Company Rank Rank RM ’
Slide 46: 4. T18 Updates
CIMB Group : FY16 Results 4. T18 Updates
Slide 47: Systematic Oversight Over The T18 Initiatives In Place
Systematic Oversight Over The T18 Initiatives In Place 18 Programmes to Drive the Group Towards T18 Full execution mode for all T18 programmes – key sponsors and stakeholders Focus Areas of the T18 Programmes identified Wholesale Banking Commercial Banking Consumer Banking >300 projects approved and
Slide 48: T18 Progress Summary (1/2)
T18 Progress Summary (1/2) We are mid-way through our T18 journey and have made progress in multiple dimensions 2015 2016 2017 2018 Progress Highlights What’s next Group-wide reorganisation and regional Cost discipline and Capital optimisation operating model institutionalisation emphasis to be sust
Slide 49: T18 Progress Summary (2/2)
T18 Progress Summary (2/2) T18 Financial Progress 1Q15-4Q15 (Quarterly Trend) 58.1% 57.4% C/I ratio moving in the right Cost-to- 55.4% 55.4% 53.9% direction post structural 53.6% 53.2% Income efforts and better financial 51.7% discipline 11.3% 10.7% 10.9% Capital and RWA optimisation 10.6% 10.4% ini
Slide 50: T18 Progress: Key Highlights by Area (1/3)
T18 Progress: Key Highlights by Area (1/3) Client profitability and wallet share optimisation Wholesale Cascaded RAROC KPI setting deeper within organisation Banking On-going efforts to increase coverage of systematic account planning Strengthened operating structure through new key hires, harmo
Slide 51: T18 Progress: Key Highlights by Area (2/3)
T18 Progress: Key Highlights by Area (2/3) On-going efforts to embed Islamic teams within relevant business units Malaysia Islamic: Implemented product, service and process enhancements for better customer Islamic experience Banking “Islamic first” initiative rolled-out across 10 branches Indone
Slide 52: T18 Progress: Key Highlights by Area (3/3)
T18 Progress: Key Highlights by Area (3/3) Group Customer Experience department fully set up and operational Key Customer Experience performance metrics identified and dashboards Customer developed Experience On-going implementation of various projects to improve customer experience via a holistic g
Slide 53: 5. Final Remarks
CIMB Group : FY16 Results 5. Final Remarks
Slide 54: Targets for 2017
Targets for 2017 FY17 ROE 9.5% Dividend Payout Ratio 40% - 60% Total Loans Growth * 7.0% Loan Loss Charge 0.60% - 0.65% CET 1 (CIMB Group) >11.5% Cost to income <53.0% 54 Note: *Excluding bad bank
Slide 55: Final Remarks
Final Remarks Optimism for 2017 with sustainable loan growth, steadily improving provisions and continued cost controls Malaysia driven by steady Consumer Banking with asset quality remaining relatively benign CIMB Niaga’s loans growth expected to improve in 2017; Continued focus on CASA; Provisions
Slide 56: Thank You
THANK YOU 56
Slide 57: Appendices
CIMB Group : FY16 Results Appendices
Slide 58: Consumer Banking Key Highlights
Consumer Banking Key Highlights Y-o-Y Q-o-Q Y-o-Y Q-o-Q Consumer Gross Loans * 9.1% 3.3% Consumer Gross Loans (3.4%) (1.6%) Mortgages 11.5% 3.4% Mortgages 2.7% 2.0% Term loans 8.1% 4.8% Auto (26.8%) (12.5%) Auto 3.7% 0.7% Credit cards 29.5% 5.3% Credit cards 5.7% 5.7% Consumer Deposits 1.6% 1.4% Con
Slide 59: Consolidated Balance Sheet Changes
Consolidated Balance Sheet Changes (RM ‘mil) 31 Dec 16 31 Dec 15 Y-o-Y 30 Sep 16 Q-o-Q Cash & short term funds 26,710 29,319 (8.9%) 37,584 (28.9%) Securities purchased under resale agreements 5,315 9,714 (45.3%) 9,328 (43.0%) Deposits & placements with financial institutions 2,308 1,829 26.2% 3,023
Slide 60: Asset Quality Ratios – CIMB Group
Asset Quality Ratios – CIMB Group 84.8% 83.8% 84.2% 84.7% 84.8% 82.7% 83.5% 80.6% 79.2% 79.8% 77.9% 76.6% 84.4% 84.4% 83.0% 83.7% 82.6% 83.6% 74.2% 81.8% 80.0% 79.3% 77.4% 76.9% 75.6% 71.9% 3.3% 3.4% 3.3% 3.2% 3.1% 3.1% 3.3% 3.1% 3.2% 3.0% 3.0% 3.2% 3.2% 3.1% 3.2% 3.0% 3.1% 3.2% 2.7% 2.9% 2.9% 2.9%
Slide 61: AFS MTM (Q-o-Q) Position
AFS MTM (Q-o-Q) Position Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 61
Slide 62: CIMB Niaga : Earnings Summary
CIMB Niaga : Earnings Summary FY16 FY15 4Q16 (IDR ‘bil) Y-o-Y 3Q16 Q-o-Q BAU^ BAU* BAU^ Net interest income 12,094 11,386 6.2% 3,207 3,074 4.3% Non interest income 2,822 2,350 20.1% 583 775 (24.8%) Operating income 14,916 13,736 8.6% 3,790 3,849 (1.5%) Overhead expenses (7,368) (7,234) 1.9% (1,825)
Slide 63: CIMB Niaga : Key Ratios
CIMB Niaga : Key Ratios FY16 FY15 4Q16 (Consolidated, %) Y-o-Y 3Q16 Q-o-Q BAU ** BAU + BAU ** ROE ^ 5.8 3.0 6.8 6.8 NIM ^ 5.64 5.21 5.91 5.67 Cost to Income 49.4 52.7 48.1 48.7 Loan Loss Coverage # 117.7 111.5 117.7 107.0 Allowance Coverage 86.1 83.0 86.1 85.5 Loan Loss Charge ^ 2.7 3.0 2.6 2.6 Gros
Slide 64: CIMB Thai : Earnings Summary
CIMB Thai : Earnings Summary Before GAAP Adjustments FY16 FY15 Y-o-Y 4Q16 3Q16 Q-o-Q (THB ‘mil) Net interest income 9,866 8,477 16.4% 2,528 2,462 2.7% Non interest income 3,062 3,757 (18.5%) 707 744 (5.0%) Operating income 12,928 12,234 5.7% 3,235 3,205 0.9% Overhead expenses (7,424) (7,127) 4.2% (2
Slide 65: CIMB Thai : Key Ratios
CIMB Thai : Key Ratios (Consolidated, %) FY16 FY15 Y-o-Y 4Q16 3Q16 Q-o-Q ROE ^ (2.3) 4.4 (20.4) 6.3 NIM ^ 3.77 3.27 3.79 3.71 Cost to Income 57.4 58.3 65.3 56.8 Loan Loss Coverage ** 77.3 106.5 77.3 81.6 Loan Loss Charge ^ 3.1 1.9 5.6 1.6 Gross NPL ratio ** 6.1 3.1 6.1 4.2 Net NPL ratio ** 3.5 2.2 3
Slide 66: FY16 Notable Deals
FY16 Notable Deals DCM DCM Lembaga Pembiayaan Perumahan Sektor BANK FOR Bank for Agriculture & Agricultural Awam AGRICULTURE & Cooperatives AGRICULTURAL RM25.0 bil ICP/IMTN Programme and CP/MTN COOPERATIVES THB22.0 bil Senior Unsecured Debentures Programme irrevocably and unconditionally guaranteed
Slide 67: Corporate Responsibility (1)
Corporate Responsibility (1) CIMB Foundation Regional CSR Reforestation Project at Setapak, Kuala Lumpur CIMB Niaga Scholarship Program Inauguration in Dato’ Hamidah, Tun Jeanne , Tun Abdullah Ahmad Yogyakarta Badawi and CIMB Bank staff planted 1,500 trees at 286 students from 23 universities receiv
Slide 68: Corporate Responsibility (2)
Corporate Responsibility (2) Launch of ‘Be$mart’ Financial Reforestation Project at Setapak, CIMB Young ASEAN Leaders Literacy Programme Kuala Lumpur Socio Economic Programme for Launch of Melaka Junior CIMB Niaga Scholarship Program in Single Mothers in Sabah Tranquerah Yogyakarta 68
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