Slide 1: Analysts' Briefing 4Q Results 2017
ANALYSTS’ BRIEFING 4Q RESULTS 2017 by Datuk Seri Ahmad Zaini Othman President and CEO 30 JANUARY 2018 1
Slide 2: Outline
OUTLINE 4th QTR 2017 FINANCIAL REVIEW BANKING READINESS 2
Slide 3: Better profits due to lower impairment allowance
4th QTR 2017 FINANCIAL PERFORMANCE REVIEW Better profits due to lower impairment allowance RM Million 4Q17 4Q16 FYE2017 FYE2016 Revenue 818 819 -0.14% 3,260 3,275 -0.46% Operating profit 288 320 -10.01% 1,149 1,116 3.02% Impairment allowance (109) (169) -35.18% (599) (777) -22.98% Profit before tax
Slide 4: 4th Qtr 2017 Financial Performance Review: Key Balance Sheet Items
4th QTR 2017 FINANCIAL PERFORMANCE REVIEW Key Balance Sheet Items – 4Q17 3Q17 2Q17 1Q17 4Q16 RM Billion Gross Financing, Loans & 34.20* 36.09 36.06 35.85 35.29 Advances - Retail Financing 79% 79% 79% 80% 81% - Corporate Financing 21% 21% 21% 20% 19% Total Assets 44.81 44.95 44.88 44.74 43.27 Total L
Slide 5: 4th Qtr 2017 Financial Ratios
4th QTR 2017 FINANCIAL RATIOS Key Financial Ratios % 4Q17 3Q17 2Q17 1Q17 4Q16 Revenue Growth* -0.46 -0.59 -0.78 -0.92 7.37 Gross Financing/Loans Growth -3.07 2.27 2.19 1.61 3.45 Deposit Growth 7.00 8.27 5.58 4.72 7.09 ROE* 6.02 5.69 5.65 5.98 3.48 ROA* 0.95 0.89 0.87 0.92 0.48 Net Profit/Interest Ma
Slide 6: Banking Readiness
BANKING READINESS ASSET & LIABILITY • Conversion has started in 2017 and expected to complete CONVERSION in March 2018 • Board has approved disposal of RM1.5 billion worth of DISPOSAL OF NPF NPF • RM103.9 million worth of non-core assets have been DISPOSAL OF NON-CORE disposed in 2017 with the balan
Slide 7: Banking Readiness
BANKING READINESS of employees have undergone the Basic 69% Islamic and Shariah Awareness training of employees are fully certified in 31% Shariah certification of employees have been trained in 91% Banking Product Knowledge Completion of “Introduction To Banking 100% Platform” Roadshows in 2017 7
Slide 8: MBSB is on track to operate as a New Bank
MBSB is on track to operate as a New Bank Operational Day 1 – Legal Day 1 – 2 April 2018 7 February 2018 (launch of new brand) Post-SPA Signing Key Achievements To-Date • Approval for acquisition of AFB by MBSB shareholders completed Post-Merger • NewBank target operating model developed and in-line
Slide 9: Q&A
Q&A 9