Cimb Group Holdings Bhd · MYX:CIMB
Cimb Group Holdings Bhd — Q3 2012 Earnings Presentation
69 slides from Cimb Group Holdings Bhd's earnings presentation, Nov 20, 2012
Slide 1: Analysts Presentation 3Q12 Results
Analysts Presentation 3Q12 Results 20 November 2012
Slide 2: Key Highlights
CIMB Group : 3Q12 Results Key Highlights
Slide 3: Key Financial Highlights (1)
Key Financial Highlights (1) Revenue Net Profit ROE Cost to Income RM’ mil RM’ mil % % +15.8% +12.6% +30bps -30bps 10,126 56.1 55.8 3,263 16.3 16.0 8,741 2,898 9M11 9M12 9M11 9M12 9M11 9M12 9M11 9M12 +6.6% Q-o-Q +3.0% Q-o-Q 0bps Q-o-Q +110bps Q-o-Q Note: *Annualised 3
Slide 4: Key Financial Highlights (2)
Key Financial Highlights (2) Gross Loans**+ Deposits++ NIM* Gross Impairment RM’ mil RM’ mil % Loans Ratio % +9.8% +6.1% -4bps -130bps 196.7 231.6 5.5 3.12 4.2 3.08 179.1 218.2 Sep-11 Sep-12 Sep-11 Sep-12 9M11 9M12 9M11 9M12 +0.5% Q-o-Q +2.3% Q-o-Q -4bps Q-o-Q -20bps Q-o-Q Notes: * Annualised ** Exc
Slide 5: PBT By Country
PBT By Country 9M12 9M11 RM ‘mil RM ‘mil Others Thailand Others Thailand Singapore 2% Singapore 3% 5% 2% 3% 3% Indonesia Indonesia 33% 30% Malaysia Malaysia 62% 57% 9M12 PBT Y-o-Y Growth by Key Countries * ** +3.5% +22.7% +220.8% 63.6% Notes: * Includes holding co ** Includes CIMB Securities Int Pte
Slide 6: PBT By Division
PBT By Division 9M12 9M11 RM ‘mil Investment RM ‘mil Investment Banking Banking 4% 6% Investments Investments 9% Consumer 14% Consumer Banking Banking 39% 39% Corporate Banking 22% Corporate Banking Treasury & 25% Treasury & Markets Markets 26% 16% 9M12 PBT Y-o-Y Growth by Key Division Investment Co
Slide 7: Strong NoII Growth
Strong NoII Growth Breakdown of NoII 9M12 Notable Deals RM ‘mil +25.8% Y-o-Y 3,613 2,873 9M11 9M12 Wealth Management Sales Banca Income RM ‘mil RM ‘mil 34.7% Y-o-Y +76.3% Y-o-Y 183.5 6,459 7.6 253 136.2 17.4 1,244 4.4 3,664 12.7 1,204 204 120.5 980 88.7 647 3,758 1,833 38.0 30.5 9M11 9M12 9M11 9M12
Slide 8: New CBTM Gaining Traction
New CBTM Gaining Traction 9M12 PBT Asia Malaysia RM ‘mil 32.3% Y-o-Y Regional House of the House of the year – Asia 2,067 year (ASEAN) – Asia Risk Risk 1,563 205 Best for FX Products and Best Domestic Provider of 67 Services in Asia Pacific – FX Research and Market 138 158 Asia Money Coverag
Slide 9: Other Highlights
Other Highlights Balance sheet growth numbers deflated by IDR/RM depreciation CIMB 2.0 changes have been far reaching in Group Wholesale Banking, Risk Management and Malaysian Consumer… but still work-in-progress Strong Malaysia and ASEAN market shares in IB and DCM Malaysia consumer bank lost marke
Slide 10: CIMB Group 3Q12 Financials
CIMB Group : 3Q12 Results CIMB Group 3Q12 Financials
Slide 11: Quarterly Earnings Trend
Quarterly Earnings Trend Series break due to adoption of FRS 139 16.9% 17.8% 16.8% 16.8% 15.7% 16.1% 16.3% 15.6% 14.8% 3,544 3,381 3,255 3,326 3,186 2,959 3,032 2,897 2,750 1,405 1,470 1,496 1,180 1,233 1,278 1,287 1,341 1,143 1,133 1,109 1,143 911 917 970 1,012 1,011 873 3Q10 ^ 4Q10 ^ 1Q11 2Q11 3Q1
Slide 12: Earnings Summary
Earnings Summary (RM ’mil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q Net interest income 6,513 5,868 11.0% 2,250 2,189 2.8% Non-interest income 3,613 2,873 25.8% 1,294 1,137 13.8% Operating income 10,126 8,741 15.8% 3,544 3,326 6.6% Overhead expenses (5,646) (4,908) 15.0% (2,007) (1,847) 8.7% PPOP 4,480 3,833
Slide 13: PBT by Segment (Estimated)
PBT by Segment (Estimated) PBT (RM ’mil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q Consumer Banking (38.8%) 1,672 1,472 13.5% 550 596 (7.6%) Malaysia (28.0%) 1,205 1,193 1.0% 388 413 (5.9%) Indonesia (11.1%) 477 307 55.3% 167 182 (8.4%) Singapore (0.1%) 6 (24) n.a. 4 3 70.5% Thailand (-0.3%) (13) 3 n.a. (9) 0
Slide 14: Key Ratios
Key Ratios (%) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q ROE * 16.3 16.0 16.8 16.8 NIM * 3.08 3.12 3.09 3.13 Non-interest income / total income 35.7 32.9 36.5 34.2 Cost to income 55.8 56.1 56.6 55.5 Allowance coverage 84.0 80.0 84.0 82.3 Allowance coverage after regulatory reserve # 93.6 83.5 93.6 90.0 Loan l
Slide 15: LD and CASA Ratios
LD and CASA Ratios Indonesia Thailand LD 95.3% 94.4% 96.5% 98.8% 93.9% LD 89.7% Ratio 88.8% 88.0% 91.0% 90.7% Ratio 44.3% 44.9% 43.6% 42.8% CASA 41.8% Ratio 31.2% 24.7% 26.3% CASA 23.9% 24.4% Ratio Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Malaysia and Singapore Group LD
Slide 16: Operating Expenses
Operating Expenses (RM ’mil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q Personnel 3,136 2,615 19.9% 1,167 982 18.8% Establishment 1,151 1,049 9.7% 359 380 (5.5%) Marketing 288 271 6.3% 93 111 (16.2%) Admin & General 1,071 973 10.1% 388 374 3.7% Total 5,646 4,908 15.0% 2,007 1,847 8.7% 16
Slide 17: Gross Loans Growth
Gross Loans Growth 30 Sep 12 Divisions / Products (RM ‘bil) 30 Sep 12 30 Sep 11 Y-o-Y 30 Jun 12 Q-o-Q Others Singapore 3% Retail Banking (49.3%) 100.0 91.8 8.9% 97.8 2.3% 6% Thailand 7% Mortgages 49.8 46.0 8.1% 49.1 1.4% Auto 18.3 17.1 7.4% 18.0 1.9% Term Loans 20.9 17.7 17.6% 19.5 6.8% Indonesia 23
Slide 18: Deposits Growth
Deposits Growth 30 Sep 12 Divisions / Products (RM ‘bil) 30 Sep 12 30 Sep 11 Y-o-Y 30 Jun 12 Q-o-Q Thailand Retail Banking (45.5%) 105.4 96.8 9.0% 103.7 1.7% 5% Indonesia Current 23.2 19.9 16.9% 22.9 1.4% 20% Savings 26.1 23.0 13.4% 25.2 3.7% Singapore Fixed & Structured Deposits 56.1 53.9 4.3% 55.6
Slide 19: CASA Growth
CASA Growth 30 Sep 12 Country (RM ‘bil) 30 Sep 12 30 Sep 11 Y-o-Y 30 Jun 12 Q-o-Q Others Malaysia & Singapore * 56.1 49.7 12.9% 55.6 0.9% CIMB Thai <0.1% 5% Indonesia ^ ** 19.9 19.7 1.0% 20.2 (1.5%) CIMB Niaga 25% Thailand + 3.9 2.5 56.0% 3.1 25.8% Others 0.1 0 n.a. 0.1 0% Malaysia & Total 80.0 71.9
Slide 20: AFS (MTM) Position
AFS (MTM) Position 678.6 690.3 663.9 639.0 612.2 611.0 ^ ^ ^ Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 20 Note: ^ Restated due to adoption of MFRS 1 First Time Adoption of Malaysian Financial Reporting Standards
Slide 21: Capital Management – CIMB Bank
Capital Management – CIMB Bank 16.9% 16.8% 15.9% 15.1% 15.2% RWCR 14.7% 14.7% 14.6% 14.6% 14.5% Core Capital 13.8% 13.8% 13.9% 13.9% 13.1% 13.4% 12.1% 11.9% Core Tier 1 11.4% 11.4% 11.4% 11.5% 10.8% 11.0% RWA (RM’mil) 106,377 110,349 105,449 104,381 102,240 110,329 114,375 114,990 Dec-10 Mar-11 Jun-
Slide 22: Malaysia & Singapore Consumer Banking
CIMB Group : 3Q12 Results Malaysia & Singapore Consumer Banking
Slide 23: Consumer Banking – MY and SG
Consumer Banking – MY and SG (RM ’mil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q Net interest income 2,467 2,375 3.9% 835 815 2.5% Non-interest income 798 706 13.0% 268 267 0.4% Operating income 3,265 3,081 6.0% 1,103 1,082 1.9% Overhead expenses (2,212) (2,012) 9.9% (739) (755) (2.1%) PPOP 1,053 1,069 (1.5%)
Slide 24: Malaysian Consumer Banking Indicators (1)
Malaysian Consumer Banking Indicators (1) Sep-11 Sep-12 Consumer Deposits Market Market RM ‘bil Rank Rank -1.9% Y-o-Y Share Share Deposits 10.9% 4 11.0% 4 -9.4% Q-o-Q 17.0 15.4 Residential 15.7 13.7% 2 13.1% 3 +14.3% Y-o-Y Mortgages +1.1% Q-o-Q ASB Financing 15.8% 3 17.2% 3 68.3 69.1 60.4 Credit Car
Slide 25: Malaysian Consumer Banking Indicators (2)
Malaysian Consumer Banking Indicators (2) Credit Cards Debit Cards 789 1,055 741 747 743 129 -5.7 % Y-o-Y +1,205.5% YTD 4.0 -1.7% Q-o-Q +45.9% Q-o-Q 120.9 3.9 3.8 82.8 9.3 Sep-11 Jun-12 Sep-12 Dec-11 Jun-12 Sep-12 Credit Cards Loan Base (RM 'bil) Credit Cards Base ('000) Total Spending (RM 'mil) Deb
Slide 26: Singapore Consumer Banking Indicators
Singapore Consumer Banking Indicators Consumer PBT 2.5 Consumer Deposits RM ‘mil 2 RM ‘mil 1.5 +22.4% YTD +79.2% Y-o-Y 9,040 1 7,388 1,486 5 0.5 5,299 860 (45) (28) (24) 0 471 FY10 FY11 9M11 9M12 1 7,554 6,528 4,828 Dec-10 Dec-11 Sep-12 Commercial deposits Retail Deposits Retail Loan Base Commercial
Slide 27: CIMB Niaga
CIMB Group : 3Q12 Results CIMB Niaga
Slide 28: CIMB Niaga : Steady Growth
CIMB Niaga : Steady Growth Net Profits Gross Loans IDR ‘bil IDR ‘tril +30.4% Y-o-Y +14.1% Y-o-Y +24.6% Y-o-Y +1.1% Q-o-Q 3,174 3,102 138 139 2,548 2,379 122 FY10 FY11 9M11 9M12 Sep-11 Jun-12 Sep-12 Total Deposits Assets Quality IDR ‘tril +15.7% Y-o-Y 3.4% +6.2% Q-o-Q 3.3% 146 138 2.8% 2.6% 126 2.5%
Slide 29: CIMB Niaga : Earnings Summary
CIMB Niaga : Earnings Summary (IDR ’bil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q Net interest income 7,168 5,753 24.6% 2,481 2,482 (0.1%) Non-interest income 2,425 1,893 28.1% 738 719 2.6% Operating income 9,593 7,646 25.5% 3,219 3,201 0.6% Overhead expenses (4,508) (3,760) 19.9% (1,519) (1,521) (0.1%) PPOP
Slide 30: CIMB Niaga : Gross Loans Growth
CIMB Niaga : Gross Loans Growth Divisions / Products (IDR ’bil) 30 Sep 12 30 Sep 11 Y-o-Y 30 Jun 12 Q-o-Q Retail Banking (31.0%) 43,010 37,557 14.5% 41,724 3.1% Mortgage 20,406 18,312 11.4% 20,020 1.9% Auto 17,244 15,361 12.3% 16,506 4.5% Credit Cards 3,401 2,563 32.7% 3,170 7.3% Others 1,959 1,321
Slide 31: CIMB Niaga : Deposits Growth
CIMB Niaga : Deposits Growth Divisions / Products (IDR ’bil) 30 Sep 12 30 Sep 11 Y-o-Y 30 Jun 12 Q-o-Q Retail Banking (45.6%) 66,693 63,583 4.9% 61,679 8.1% Current 4,497 4,299 4.6% 4,210 6.8% Savings 28,430 24,880 14.3% 26,876 5.8% Fixed & structured deposits 33,766 34,404 (1.9%) 30,593 10.4% Comme
Slide 32: CIMB Niaga : Key Ratios
CIMB Niaga : Key Ratios (Consolidated, %) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q ROE 21.0 19.6 21.6 21.4 NIM 5.90 5.54 5.86 6.19 Cost to Income 47.0 49.2 47.2 47.5 Loan Loss Coverage # 113.1 109.7 113.1 108.6 Allowance Coverage 94.5 83.0 94.5 82.3 Loan Loss Charge 0.8 0.7 0.6 0.6 Gross Impaired Loans Ratio
Slide 33: CIMB Niaga : Corporate Updates
CIMB Niaga : Corporate Updates Consumer Market Share Corporate Updates Sep-11 Sep-12* Senior Debt Issuance – Completed 1st Tranche of IDR 2 tril in Oct 2012 under Self Registration Programme Market Market Rank Rank CNAF Senior Debt Issuance – Issuance of IDR 600 bil Share Share in Oct 2012, currentl
Slide 34: CIMB Thai
CIMB Group : 3Q12 Results CIMB Thai
Slide 35: CIMB Thai : Earnings Summary
CIMB Thai : Earnings Summary Before GAAP Adjustments 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q (THB ’mil) Net interest income 3,769 3,519 7.1% 1,306 1,247 4.7% Non-interest income 2,671 1,145 133.3% 1,919 322 496.6% Operating income 6,440 4,664 38.1% 3,225 1,569 105.6% Overhead expenses (3,970) (3,489) 13.8%
Slide 36: CIMB Thai : Gross Loans Growth
CIMB Thai : Gross Loans Growth Divisions / Products (THB ‘bil) 30 Sep 12 30 Sep 11 Y-o-Y 30 Jun 12 Q-o-Q Retail Banking (35.3%) 44.7 37.1 20.5% 42.4 5.4% Mortgage 28.0 23.4 19.4% 26.6 5.3% Auto Loans 10.9 8.0 37.1% 10.3 6.0% Personal / Others 5.7 5.7 0% 5.5 4.9% Commercial Banking (24.7%) 31.3 25.2
Slide 37: CIMB Thai : Deposits Growth
CIMB Thai : Deposits Growth Divisions / Products (THB ‘bil) 30 Sep 12 30 Sep 11 Y-o-Y 30 Jun 12 Q-o-Q Retail Banking (53.7%) 74.9 71.3 4.9% 75.8 (1.3%) Current 0.8 1.0 (23.6%) 0.8 (6.3%) Savings 24.0 13.9 72.6% 16.7 43.4% Fixed & structured deposits 50.1 56.4 (11.2%) 58.3 (14.1%) Commercial Banking
Slide 38: CIMB Thai : Key Ratios
CIMB Thai : Key Ratios (Consolidated, %) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q ROE 13.0 9.8 24.7 0.9 NIM 3.20 3.60 3.12 3.26 Cost to Income 61.7 74.8 41.7 92.1 Loan Loss Coverage** 88.7 70.8 88.7 75.2 Loan Loss Charge 1.1 0.3 2.6 0.4 Gross NPL ratio** 3.5 3.3 3.5 3.5 Net NPL ratio** 2.1 2.3 2.1 2.2 Loan t
Slide 39: CIMB Thai : Corporate Updates
CIMB Thai : Corporate Updates Consumer Market Share Corporate Updates Sep-11 Sep-12 Strong 9M12 results boosted by THB1.344 bil share of gain from TAMC. Partially offset by THB578 mil Market Market increased provision, raising coverage ratio to 88.7% Rank Rank Share Share CIMB Clicks continued posit
Slide 40: Wholesale Banking
CIMB Group : 3Q12 Results Wholesale Banking
Slide 41: Wholesale Banking
Wholesale Banking (RM ’mil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q Net interest income 2,125 1,909 11.3% 723 746 (2.8%) Non-interest Income 1,915 1,381 38.7% 691 603 14.6% Operating income 4,040 3,290 22.8% 1,414 1,349 4.8% Overhead expenses (1,723) (1,495) 15.2% (607) (575) 5.5% PPOP 2,317 1,795 29.0% 807
Slide 42: Wholesale Banking - IB
Wholesale Banking - IB (RM ’mil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q Net interest income 29 26 9.2% 8 10 (23.2%) Non-interest Income 771 738 4.5% 257 318 (19.2%) Operating income 800 764 4.7% 265 328 (19.1%) Overhead expenses (622) (525) 18.5% (239) (199) 20.0% PPOP 178 239 (25.5%) 26 129 (79.8%) Provis
Slide 43: Wholesale Banking – Corporate Banking
Wholesale Banking – Corporate Banking (RM ’mil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q Net interest income 1,155 1,076 7.3% 384 389 (1.2%) Non-interest Income 423 380 11.3% 188 106 77.4% Operating income 1,578 1,456 8.3% 572 495 15.7% Overhead expenses (558) (529) 5.6% (194) (186) 4.3% PPOP 1,019 928 9.9%
Slide 44: Corporate Banking – Gross Loans
Corporate Banking – Gross Loans Divisions / Products (RM ’bil) 30 Sep 12 30 Sep 11 Y-o-Y 30 Jun 12 Q-o-Q Malaysia (60.3%) 39.8 34.1 16.6% 39.8 0% Indonesia (20.9%) 13.7 14.5 (4.9%) 15.2 (9.3%) Singapore (11.5%) 7.6 6.1 25.2% 7.4 3.2% Thailand (7.3%) 4.8 5.0 (3.0%) 5.0 (3.2%) Total 65.9 59.6 10.7% 67
Slide 45: Wholesale Banking – Treasury & Markets
Wholesale Banking – Treasury & Markets (RM ’mil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q Net interest income 943 807 16.6% 334 346 (3.9%) Non-interest Income 720 264 172.7% 243 180 35.0% Operating income 1,663 1,071 55.3% 577 526 9.6% Overhead expenses (543) (442) 22.8% (174) (190) (8.5%) PPOP 1,120 629 78.
Slide 46: IB Market Share and Ranking (1)
IB Market Share and Ranking (1) 9M11 9M12 9M11 9M12 Market Market Market Market Rank Rank Rank Rank Share Share Share Share Stock Broking 10.4% 1 11.8% 1 Stock Broking 6.1% 2 4.8% 6 IPO 32.3% 1 24.2% 1 IPO - - - - ECM 36.4% 1 31.9% 1 ECM 4.7% 8 - - M&A 35.6% 2 14.9% 6 M&A 1.7% 10 0.4% 13 Syndication
Slide 47: IB Market Share and Ranking (2)
IB Market Share and Ranking (2) 9M11 9M12 9M11 9M12 ASEAN Market Market Global Market Market Rank Rank Rank Rank Share Share Share Share IPO 7.6% 4 17.4% 1 Sukuk 17.6% 2 12.4% 3 ECM 8.0% 4 14.2% 1 M&A 11.3% 3 4.6% 18 Syndication 3.2% 11 5.1% 8 Bonds 13.4% 1 11.3% 1 Domestic * 9M11 9M12 Market Market
Slide 48: Notable Deals
Notable Deals DCM Financing Battersea Project Holding Company Limited PT Adira Dinamika Multi Finance Tbk GBP300.0 mil financing for Battersea’s IDR1.6 tril Senior Debt via Shelf Registration redevelopment project in UK by a JV between Setia Programme Phase 3 of IDR6.0 tril International Limited, Si
Slide 49: Group Asset Management
Group Asset Management PBT after HOCA 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q (RM ’mil) CIMB-P Group 37.4 48.8 (23.4%) 10.7 10.0 6.8% Wholesale 10.1 3.7 176.9% 4.1 3.8 10.0% Total 47.5 52.5 (9.4%) 14.8 13.8 7.7% AUM as at 30 Sep 2012 Wholesale AUM as at 30 Sep 2012 RM ‘mil CIMB Mapletree +30.5% Y-o-Y RM480
Slide 50: Investments
CIMB Group : 3Q12 Results Investments
Slide 51: Investments
Investments (RM ’mil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q Net interest income 334 315 5.9% 114 105 8.6% Non-interest Income 345 292 18.2% 172 50 244.0% Operating income 714 636 12.2% 299 166 80.1% Overhead expenses (396) (219) 80.8% (206) (85) 144.4% PPOP 318 417 (23.7%) 93 81 13.9% Provisions (5) 14 n.
Slide 52: Strategic Investments
Strategic Investments RM ’mil 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q PAT to CIMB Group 68.2 68.4 (0.3%) 19.4 24.3 (20.2) The lower profits were mainly due to the margin squeeze arising from the narrowing gap between the People’s Bank of China’s benchmark lending rates and deposit rates 19.99% RM ’mil 9M12
Slide 53: Other Highlights
CIMB Group : 3Q12 Results Other Highlights
Slide 54: Insurance
Insurance PBT (RM ’mil) 9M12 9M11 Y-o-Y 3Q12 2Q12 Q-o-Q CIMB Aviva^ 37.5 22.9 63.9% 10.1 17.8 (43.3%) CIMB Sun Life (11.0) (10.3) (6.7%) (3.2) (4.3) 25.1% Others* (1.7) (1.8) (5.5%) (0.8) (0.8) 0% Total CIG & GID 24.8 10.7 130.7% 6.1 12.8 (52.8%) Update on sale of CIMB-Aviva Short listed bidders
Slide 55: CIMB Islamic
CIMB Islamic Ranking of Total Islamic Assets as at 30 Jun 2012 9M11 9M12 Sukuk Total Assets Market Market Market Rank Company Rank Rank RM ’mil Share Share Share 1 MIBB 83,561 24% Malaysia 26.3% 1 24.4% 2 2 CIMB Islamic 45,294 13% Global 17.6% 2 12.4% 3 3 Bank Islam 33,846 10% 4 PBB-I 29,853 9% 5 Am
Slide 56: CIMB Singapore
CIMB Singapore PBT 9M11 9M12 RM ‘mil Market Market +96.4% Y-o-Y Rank Rank Share Share +240.0% Y-o-Y Stock Broking 9.8% 1 10.7% 1 136 IPO 2.2% 5 19.4% 1 82 69 ECM 3.2% 8 11.6% 3 55 M&A 1.9% 17 1.0% 22 24 8 11 Syndication ^ 1.9% 12 2.8% 10 (7) Bonds 4.5% 6 2.4% 9 FY10 FY11 9M11 9M12 Bank Securities Co
Slide 57: Updates on Acquisitions
Updates on Acquisitions Announcement 2 April 2012 8 May 2012 Acquisition of Southeast Asia, HK, China Approved by BNM on 7 Nov & BSP for (US & UK) completed on 1 July approval end-Nov Regulatory Australia completed on 5 Nov On target for completion early Dec Updates Taiwan, Korea and I
Slide 58: Awards & Recognition
Awards & Recognition Regional Malaysia Indonesia Consumer Banking Excellence Award – SWA Best Islamic Finance Bank (Southeast Asia) – Best Domestic Bank – Asiamoney Indonesia Banking Awards Best Performance Alpha Southeast Asia Best Bank – Euromoney Banking 2012 – ABFI & Tempo Best Islamic Bank (Asi
Slide 59: Final Remarks
CIMB Group : 3Q12 Results Final Remarks
Slide 60: Achievements vs Targets for 2012
Achievements vs Targets for 2012 9M12 FY12 Target ROE 16.3% * 16.4% r TSR (1H12) -7.3% < FBM KLCI > FBM KLCI r Dividend 18% ^ 40% - 60% r Group loans growth 9% 16% r Group deposits growth 6% 16% r Loan loss charge 0.18% * 0.31% Core Capital Ratio (at CIMB Bank) (Basel II) 13.4% ** >10% RWCR (at
Slide 61: Final Remarks
Final Remarks Strong 3Q and 9M set of financial results driven by strong non-interest income growth and net interest margin management Balance sheet growth remains moderate due to IDR depreciation, slowing consumer demand and corporate repayments Strong deal pipeline in 4Q should help improve asset
Slide 62: Thank You
THANK YOU 62
Slide 63: Appendices
Appendices ba) CIMBGROUP nn
Slide 64: Contribution by Entity
Contribution by Entity 9M12 9M11 3Q12 2Q12 Legal Entity RM ’mil % of PBT RM ’mil % of PBT RM ’mil % of PBT RM ’mil % of PBT CIMB Bank 2,295 53% 1,992 52% 747 50% 737 50% CIMB Niaga 1,418 33% 1,140 30% 500 33% 487 33% CIMB Islamic 373 9% 359 9% 132 9% 114 8% CIMB Labuan 42 1% 120 3% 19 1% 12 1% CIMB
Slide 65: Asset Quality Ratios – CIMB Group
Asset Quality Ratios – CIMB Group Series break due to adoption of FRS 139 90.8% 86.7% 84.3% 82.9% 82.0% 82.3% 82.3% 80.8% 79.5% 80.7% 81.3% 79.1% 80.0% 80.0% 84.0% 81.1% 80.4% 81.1% 81.1% 82.2% 80.6% 80.5% 80.6% 80.0% 79.3% 78.4% 7.6% 7.5% 7.2% 6.6% 6.1% 5.9% 5.5% 5.7% 5.7% 5.5% 5.7% 5.5% 5.0% 5.1%
Slide 66: Capital Management – All Banking Entities
Capital Management – All Banking Entities Sep-12^ Jun-12^ Sep-11^ Core Capital (B2) (B2) (B2) CIMB Bank 13.4% 13.1% 14.5% CIMB Investment Bank 18.4% 16.7% 24.2% CIMB Islamic 9.9% 10.1% 10.8% CIMB Niaga # 12.4% 12.1% 10.5% CIMB Thai # 11.1% 7.9% 8.1% CIMB Bank Group 10.8% 10.5% 11.6% CIMB Investment
Slide 67: Consolidated Balance Sheet Changes
Consolidated Balance Sheet Changes 30 Sep 11 (RM ‘mil) 30 Sep 12 Y-o-Y 30 Jun 12 Q-o-Q (Restated)* Cash & short term funds 23,185 30,383 (24%) 25,412 (9%) Securities purchased under resale agreements 5,406 3,973 36% 4,217 28% Deposits & placements with financial institutions 6,833 8,056 (15%) 5,005
Slide 68: CIMB Niaga : Balance Sheet Changes
CIMB Niaga : Balance Sheet Changes (IDR ’bil) 30 Sep 12 30 Sep 11 Y-o-Y 30 Jun 12 Q-o-Q Placements & Other MS 32,328 24,545 31.7% 24,679 31.0% Government Bonds 9,462 6,067 56.0% 7,862 20.4% Loans (Net) 135,179 118,240 14.3% 133,747 1.1% Other Assets 13,653 10,296 32.6% 13,137 3.9% Total Assets 190,6
Slide 69: CIMB Thai : Balance Sheet Changes
CIMB Thai : Balance Sheet Changes Before GAAP Adjustments (THB ’mil) 30 Sep 12 30 Sep 11 Y-o-Y 30 Jun 12 Q-o-Q Placements & Other MS 10,653 15,416 (30.9%) 10,451 1.9% Government Bonds (Net) 35,532 22,725 56.4% 31,353 13.3% Loans (Net) 122,964 108,756 13.1% 120,361 2.2% Other Assets 14,414 11,774 22.
CIMB Group Holdings Berhad — Q3 2012 Earnings Presentation on 6ix