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Malayan Banking Berhad

Statement of Financial Position


(in thousands and in Malaysian Ringgit)
2009
ASSETS
Cash and short-term funds
Deposits and placements with financial institutions
Securities purchased under resale agreements
Financial assets at fair value through profit or loss
Financial investments available-for-sale
Financial investments held-to-maturity
Loan, Advances and financing
Derivative Assets
Reinsurance/retakaful assets and other insurance receivables
Other assets
Investment properties
Statutory deposits with Central Banks
Interest in associates
Property, plant and equipment
Intangible assets
Deferred tax assets
Life, general takaful and family takaful fund assets
Total Assets
Liabilities
Deposits from customers
Deposits and placements from financial institutions
Obligations on financial assets sold under repurchase agreements
Bills and acceptances payable
Derivative liabilities
Insurance/takaful contract liabilities and other insurance payables
Other liabilities
Recourse obligation on loans and financing sold to Cagamas
Provision for taxation and zakat
Deferred tax liabilities
Borrowings
Subordinated obligations
Capital securities
Life, general takaful and family takaful fund liabilities
Life, general takaful and family takaful policy holder's fund
Total liabilities
Equity Attributable to equity holders of the bank
Share Capital
Share Premium
Shares held-in-trust
Retained Profits
Other Reserves
Non-controlling interests
Total Liabilities and Shareholder's equity

23,607,979
6,299,175
346,462
1,489,272
47,877,105
8,360,751
185,783,166
973,685
5,249,290
26,578
4,050,932
2,630,123
1,395,562
4,374,010
1,493,132
16,781,901
310,739,123

212,598,589
28,781,863
1,470,063
1,459,068
6,986,000
516,265
87,743
57,430
1,512,310
8,672,373
6,047,541
4,529,995
12,251,906
284,971,146

7,077,663

17,821,083
24,898,746
869,231
25,767,977
310,739,123

Balance Check

2010

Actual
2011

2012

2013

28,707,992
8,915,375
371,237
2,651,103
42,576,235
8,942,708
205,555,067
1,306,769
5,319,548
45,324
4,471,382
2,471,438
1,359,852
4,480,714
1,564,963
17,960,059
336,699,766

49,089,088
6,452,978
1,397,235
9,665,997
48,504,468
9,880,899
274,430,691
1,954,476
6,661,305
62,007
10,577,416
2,406,462
2,372,534
6,507,949
1,421,934
19,903,312
451,288,751

40,018,633
11,949,150
798,180
29,156,692
60,792,374
2,870,768
311,824,735
2,880,492
2,555,727
6,680,257
572,662
12,298,362
2,235,233
2,402,821
6,531,336
1,298,871
494,866,293

48,067,358
7,156,749
20,558
19,166,565
82,836,922
5,668,174
355,617,527
3,944,692
2,349,995
8,505,918
583,257
13,742,874
2,465,341
2,614,309
6,041,056
1,661,931
560,443,226

236,909,788
23,257,868
407,056
3,061,586
1,346,242
6,951,520
649,977
466,889
151,109
2,824,864
8,069,116
5,978,752
5,021,911
12,938,148
308,034,826

313,709,780
36,760,978
267,652
4,472,872
2,162,709
10,576,494
715,603
320,212
263,605
7,185,230
14,160,553
6,113,761
2,886,104
17,017,208
416,612,761

347,155,510
33,887,376
2,269,513
2,376,979
21,928,872
9,597,742
1,592,974
1,051,798
676,514
10,714,266
13,510,041
6,150,351
450,911,936

395,610,810
42,139,081
4,300,055
1,987,089
3,937,380
21,800,139
8,285,702
1,277,269
836,527
639,285
13,321,805
12,644,576
5,920,909
512,700,627

7,077,983

7,639,437

20,799,193
27,877,176
787,764
28,664,940
336,699,766

25,805,990
33,445,427
1,230,563
34,675,990
451,288,751

8,440,046
15,639,646
(102,405)
11,115,006
7,136,600
42,228,893
1,725,464
43,954,357
494,866,293

8,862,079
19,030,227
(107,248)
11,747,484
6,464,865
45,997,407
1,745,192
47,742,599
560,443,226

Estimated
2014F

2015F

Projected
2016F

2017F

53,950,268
13,695,201
20,558
19,166,565
82,836,922
5,668,174
391,179,280
4,930,865
2,302,995
7,823,586
583,257
13,742,874
2,465,341
2,161,011
8,153,344
1,661,931
0
610,342,172

58,511,675
17,119,002
20,558
19,166,565
82,836,922
5,668,174
430,297,208
6,163,581
2,256,935
8,605,944
583,257
13,742,874
2,465,341
1,800,445
7,967,736
1,661,931
0
658,868,148

64,445,870
21,398,752
20,558
19,166,565
82,836,922
5,668,174
473,326,928
7,704,477
2,211,796
9,466,539
583,257
13,742,874
2,465,341
1,512,545
7,803,732
1,661,931
0
714,016,262

83,189,461
26,748,440
20,558
19,166,565
82,836,922
5,668,174
520,659,621
9,630,596
2,167,561
10,413,192
583,257
13,742,874
2,465,341
1,281,545
7,658,795
1,661,931
0
787,894,833

418,561,829
52,673,851
4,300,055
3,911,793
4,961,099
21,582,138
15,647,171
1,277,269
836,527
639,285
7,823,586
15,647,171
7,823,586
555,685,359

438,903,152
65,842,314
4,300,055
4,302,972
6,250,984
21,366,316
17,211,888
1,277,269
836,527
639,285
8,605,944
17,211,888
8,605,944
595,354,540

459,127,121
82,302,893
4,300,055
4,733,269
7,876,240
21,152,653
18,933,077
1,277,269
836,527
639,285
9,466,539
18,933,077
9,466,539
639,044,543

489,420,044
102,878,616
4,300,055
5,206,596
9,924,063
20,941,127
20,826,385
1,277,269
836,527
639,285
10,413,192
20,826,385
10,413,192
697,902,736

8,862,079
19,030,227
(107,248)
18,661,698
6,464,865
52,911,621
1,745,192
54,656,813
610,342,172

8,862,079
19,030,227
(107,248)
27,518,493
6,464,865
61,768,416
1,745,192
63,513,608
658,868,148

8,862,079
19,030,227
(107,248)
38,976,603
6,464,865
73,226,526
1,745,192
74,971,718
714,016,262

8,862,079
19,030,227
(107,248)
53,996,982
6,464,865
88,246,905
1,745,192
89,992,097
787,894,833

Malayan Banking Berhad


Statement of Cashflows
(in thousands and in Malaysian Ringgit)
Cash flows from operating activities
Profit before taxation and zakat
Adjustments for:
Share of profits of associates and joint ventures
Depreciation of property, plant and equipment
Amortization
Gain on disposal of property, plant and equipment
Gain on disposal of foreclosed properties
Loss/(gain) on disposal/liquidation of subsidiaries
Gain on disposal/liquidation of associates
Net gain on disposal of financial assets at fair value through profit or loss
Net gain on disposal of financial investments available-for-sale
Net loss on redemption of financial investments held-to-maturity
Amortisation of premiums less accretion of discounts, net
Unrealised loss/(gain) of financial assets held-for-trading and derivatives
Allowances for/(writeback of) impairment losses on financial investments, net
Allowances for impairment losses on loans, advances and financing, net
Allowances for impairment losses on other debts
Dividend income
ESS expenses
Property, plant and equipment written off
Intangible assets written off
Fair value adjustments on investment properties
Impairment of intangible assets
Impairment of property, plant and equipment
Operating profit before working capital changes
Change in financial assets purchased under resale agreements
Change in deposits and placements with financial institutions
Change in financial investments portfolio
Change in loans, advances and financing
Change in other assets
Change in statutory deposits with central banks
Change in deposits from customers
Change in deposits and placements from financial institutions
Change in obligations on financial assets sold under repurchase agreements
Change in bills and acceptances payable
Change in other liabilities
Change in reinsurance/retakaful assets and other insurance receivables
Change in insurance/takaful contract liabilities and other insurance payables
Exchange fluctuation
Cash generated from/(used in) operations
Taxes and zakat paid
net cash generated from/(used in) operating activities
Cash flows from investing activities
Purchase of property, plant and equipment
Purchase of intangible assets
Purchase of investment properties
Net effect arising from:
acquisition of subsidiaries
disposal of subsidiaries
transactions with non-controlling interests

Purchase of additional ordinary shares in new and existing subsidiaries


Redemption of non-convertible bonds and capital repayment in associates
Proceeds from disposal of property, plant and equipment
Dividends received from:
securities
associates
subsidiaries
Movement in Intangibles
Movement in PPE
Transfer of property, plant and equipment to a subsidiary
Transfer of intangible assets to a subsidiary
Net cash used in investing activities
Cash flows from financing activities
Proceeds from issuance of shares
Drawdown of borrowings, net
Issuance of subordinated obligations
Redemption of subordinated obligations
Recourse obligation on loans and financing sold to Cagamas, net
Rights issuance exercised by non-controlling interests
Capital securities
Dividends paid
Dividends paid to non-controlling interests
Net cash generated from/(used in) financing activities
net increase/(decrease) in cash and cash equivalents
Cash and cash equivalents at 1 January
Cash and cash equivalents at 31 December

2009

2010

2011

2012

2013

2014

1,674,292

5,370,408

3,563,401

7,894,599

8,869,594

7,920,061

(99,504)

(121,835)

(74,234)
104,363
78,110
(4,998)
(782)
(2,052)
(30,274)
(17,858)
(271,636)
(132)
6,366
293,973
67,237
777,490
14,928
(19,780)
56,848
3,040

(152,476)
223,646
146,221
(7,638)
(2,747)
(806)
(8,989)
(150,241)
(438,523)
62
(116,253)
(85,580)
60,216
1,482,738
11,695
(34,606)
96,187
227
(10,583)

1,574,788

5,248,573
(24,775)
(2,616,200)
3,557,082
(19,771,901)

4,544,010
(1,025,998)
2,462,397
(13,881,318)
(68,875,624)

(420,450)
24,311,199
(5,523,995)
1,591,523
(34,480)
-

(6,106,034)
76,799,992
13,503,110
(139,404)
1,411,286
3,624,974
-

1,574,788

6,316,576

12,317,391

1,574,788

6,316,576

12,317,391

8,907,149
599,055
(4,261,093)
(7,405,651)
(37,054,619)
(2,479,885)
(1,720,946)
32,463,265
(2,873,602)
(267,652)
(2,203,359)
3,168,637
(381,933)
1,799,908
(227,458)
(11,938,184)
(1,297,403)
(13,235,587)

(139,267)
268,692
206,483
(4,303)
(25,470)
9,338
0
(281,508)
(917,780)
1
76,471
943,004
150,522
1,550,151
5,586
(101,790)
105,584
810
1,007
(2,553)
1,422
222
10,716,216
777,622
5,433,987
(16,143,229)
(45,342,944)
(1,760,010)
(1,444,512)
48,455,300
8,251,705
4,300,055
(282,424)
(1,745,660)
205,732
(128,733)
(517,433)
10,775,672
(2,218,263)
8,557,409

(139,267)
503,298
208,788
0
0
0
0
0
0
0
0
0
0
1,564,717
0
0
0
0
0
0
0
0
10,057,598
0
(6,538,452)
(986,173)
(37,126,470)
682,332
682,332
22,951,019
10,534,770
0
1,924,704
8,385,188
47,000
(218,001)
0
10,395,847
(1,005,848)
9,389,999

(504,313)
(394,314)
(2,042)

0
0
0

(30,067)
(37,122)
(111,251)

0
0
0

(439,635)
(391,668)

24,905
67,834

(47,676)

0
0
0

18,625

4,994
8,138

34,606
7,106

101,790
84,297

(725,903)

(879,890)

6,738,065
4,308,732
4,832,966
(5,517,550)
(621,899)

3,755,692
2,024,382
500,000
(1,500,000)
(315,705)
8,159

(3,944,958)
(42,520)
5,752,836

(4,365,481)
(60,451)
46,596

0
(5,716,674)
3,002,595
0
0
0
1,902,677
0
0
(811,403)

(8,208,654)
49,089,088
40,880,434

7,724,115
40,018,633
47,742,748

6,207,520
47,742,748
53,950,268

0
0
0
(2,321,076)
(50,000)
0
0
(2,371,076)

2015

2016

2017

10,145,241

13,124,983

17,205,473

(139,267)
410,566
184,466
0
0
0
0
0
0
0
0
0
0
1,721,189
0
0
0
0
0
0
0
0
12,322,195
0
(3,423,800)
(1,232,716)
(40,839,117)
(782,359)
(782,359)
20,341,323
13,168,463
0
391,179
2,854,603
46,060
(215,821)
0
1,847,650
(1,288,446)
559,204

(139,267)
337,900
163,004
0
0
0
0
0
0
0
0
0
0
1,893,308
0
0
0
0
0
0
0
0
15,379,928
0
(4,279,750)
(1,540,895)
(44,923,028)
(860,594)
(860,594)
20,223,969
16,460,579
0
430,297
3,346,445
45,139
(213,663)
0
3,207,829
(1,666,873)
1,540,956

(139,267)
281,000
144,062
0
0
0
0
0
0
0
0
0
0
2,082,638
0
0
0
0
0
0
0
0
19,573,907
0
(5,349,688)
(1,926,119)
(49,415,331)
(946,654)
(946,654)
30,292,923
20,575,723
0
473,327
3,941,130
44,236
(211,527)
0
16,105,274
(2,185,095)
13,920,178

0
0
0

0
0
0

0
0
0

0
0
0

0
0
0

0
0
0

0
0
0

0
0
0

0
0
0

0
0
0
1,142
(50,000)
0
0
(48,858)

0
0
0
1,000
(50,000)
0
0
(49,000)

0
0
0
876
(50,000)
0
0
(49,124)

0
921,626
1,564,717
0
0
0
1,564,717
0
0
4,051,060

0
999,861
1,721,189
0
0
0
1,721,189
0
0
4,442,239

0
1,085,921
1,893,308
0
0
0
1,893,308
0
0
4,872,536

4,561,406
53,950,268
58,511,675

5,934,196
58,511,675
64,445,870

18,743,591
64,445,870
83,189,461

Cash and short-term funds


Deposits and placements with financial institutions
Securities purchased under resale agreements
Financial assets at fair value through profit or loss
Financial investments available-for-sale
Financial investments held-to-maturity
Loan, Advances and financing
Derivative Assets
Reinsurance/retakaful assets and other insurance receivables
Other assets
Investment properties
Statutory deposits with Central Banks
Interest in associates
Property, plant and equipment
Intangible assets
Deferred tax assets
Life, general takaful and family takaful fund assets
Deposits from customers
Deposits and placements from financial institutions
Obligations on financial assets sold under repurchase agreements
Bills and acceptances payable
Derivative liabilities
Insurance/takaful contract liabilities and other insurance payables
Other liabilities
Recourse obligation on loans and financing sold to Cagamas
Provision for taxation and zakat
Deferred tax liabilities
Borrowings
Subordinated obligations
Capital securities
Life, general takaful and family takaful fund liabilities
Life, general takaful and family takaful policy holder's fund
Interest Income
Interest expense
Non-interest income
Commission
Service charges and fees
Guarantee fees
Underwriting fees
Brokerage income
Fees on loans, advances, and financing

Commission
Service charges and fees
Guarantee fees
Underwriting fees
Brokerage income
Fees on loans, advances, and financing
OPEX breakdown
Personnel expenses
Marketing costs
Administration and general expenses
Establishment Costs
Depreciation
Amortization
Rental of leasehold land and premises
Repairs and maintenance of property, plant and equipment
Information technology expenses
Fair value adjustments on investment properties
Others
Allowances for impairment losses on loans, advances, financing, and other debts, n

2009
11.10%
21.89%

2010
12.12%
38.33%

2011
15.65%
17.55%

2012
11.53%
35.26%

2013
12.15%
16.98%

2014F

2015F

26.00%

26.00%

0.00%
0.00%
0.00%
2.47%

10.64%
34.21%
0.00%
2.25%

33.51%
49.57%
0.00%
2.12%

13.63%
47.38%
0.00%
1.92%

14.04%
36.95%
-8.05%
2.15%

10.00%
25.00%
-2.00%
2.00%
constant
constant
constant
constant
constant
constant

10.00%
25.00%
-2.00%
2.00%

102.74%

101.90%
-19.19%

100.75%
58.06%

96.20%
-7.82%

91.38%
24.35%

107.00%
25.00%

102.00%
25.00%

0.79%
0.00%
0.00%
0.00%

1.49%
-7.73%
0.00%
0.00%

1.63%
60.65%
0.00%
0.00%

0.73%
9.91%
0.00%
7.03%

0.56%
65.65%
-0.59%
6.13%

1.00%
26.00%
-1.00%
4.00%

1.00%
26.00%
-1.00%
4.00%

0.81%
4.67%
3.26%

1.37%
3.93%
2.91%

2.62%
5.16%
2.23%

3.44%
4.33%
1.97%

3.75%
3.56%
1.66%

2.00%
4.00%
2.00%

2.00%
4.00%
2.00%

6.23%
2.34%

5.33%
1.61%

2.55%
0.85%

4.76%
1.67%

4.59%
1.54%

5.00%
2.00%

5.00%
2.00%

82.83%
0.48%

66.56%
0.46%

20.04%
0.21%

28.47%
0.50%

23.88%
0.37%

45.00%
0.40%

45.00%
0.40%

0.05%

8.20%
65.01%
0.23%

-56.43%
211.24%
0.10%

401.14%
94.75%
0.16%

38.04%
41.27%
0.10%

23.12%
79.88%
0.13%

23.12%
79.88%
0.13%

806,543
935,103
127,171
38,363
53,974
96,361

24.28%
4.12%
11.61%

131,417
108,446
480,027
136
43,750
0.91%

869,807
984,891
134,090
41,508
89,060
487,584

22.67%
3.41%
12.82%

158,538
111,533
479,322
209
24,102
0.58%

391,696
595,097
0
18,087
277,187
285,072

26.79%
3.07%
11.86%

820,154
1,620,216
0
90,642
539,826
513,694

941,806
1,365,211
0
125,120
762,630
349,140

27.64%
3.46%
10.11%

26.67%
3.83%
9.31%

113,656
81,583
272,959
(14)
25,831

245,261
140,952
559,397
(10,583)
10,493

268,692
475175
253,988
145,294
633,896
(2,553)
40,838

0.12%

0.21%

0.21%

1,139,906
1,639,221
0
154,045
1,371,807
526,337

26.00%
3.50%
11.00%

503,298
208,788
253,988
145,294
633,896
0
40,838
0.40%

1,424,883
1,814,319
0
189,657
2,467,586
581,641

26.00%
3.50%
11.00%

410,566
184,466
253,988
145,294
633,896
0
40,838
0.40%

2016F

2017F

26.00%

26.00%

10.00%
25.00%
-2.00%
2.00%

10.00%
25.00%
-2.00%
2.00%

97.00%
25.00%

94.00%
25.00%

1.00%
26.00%
-1.00%
4.00%

1.00%
26.00%
-1.00%
4.00%

2.00%
4.00%
2.00%

2.00%
4.00%
2.00%

5.00%
2.00%

5.00%
2.00%

45.00%
0.40%

45.00%
0.40%

23.12%
79.88%
0.13%

23.12%
79.88%
0.13%

1,781,104
2,009,721
0
233,501
4,438,655
643,143

26.00%
3.50%
11.00%

337,900
163,004
253,988
145,294
633,896
0
40,838
0.40%

2,226,380
2,228,155
0
287,481
7,984,185
711,630

26.00%
3.50%
11.00%

281,000
144,062
253,988
145,294
633,896
0
40,838
0.40%

Growth rate of loans


Growth rate of loans
Growth rate of loans
as percentage of loans

deposits are expressed as percentage of loans

as percentage of loans

as percentage of loans

as percentage of loans
as percentage of loans
as percentage of loans

as percentage of loans
as percentage of depostis from customers and F.I

as percentage of derivative assets


as percentage of D.A., loans, and Deposits with financial institutions
growth rate
growth rate
percentage of loans and Deposits w/ F.I.

as percentage of net income


as percentage of net income
as percentage of net income

IS items by segments

By Geography
Malaysia
Singapore
Indonesia
Others
Elimination
Operating Revenue

2009

14,011,354
2,045,023
2,150,641
1,129,622
19,336,640
(1,750,303)
17,586,337

Malaysia
Singapore
Indonesia
Others
Elimination
Net income
Malaysia
Singapore
Indonesia
Others
Elimination
Profit before taxation and Zakat

By Business
Community Financial Services
Global Banking :
Corporate Banking
Global Markets
Investment Banking
International Banking
Insurance, Takaful and AM
Head Office and Others
Net Interest Income with IBS
Community Financial Services
Global Banking :
Corporate Banking
Global Markets
Investment Banking
International Banking
Insurance, Takaful and AM
Head Office and Others

1,333,067
595,532
(1,508,056)
2,245,942
2,666,485
(992,193)
1,674,292

Non Interest Income

Net Income from Insurance/ Takaful Business


Community Financial Services
Global Banking :
Corporate Banking
Global Markets
Investment Banking
International Banking
Insurance, Takaful and AM
Head Office and Others
Overhead Expenses

Operating Profit before impairment losses

Community Financial Services


Global Banking :
Corporate Banking
Global Markets
Investment Banking
International Banking
Insurance, Takaful and AM
Head Office and Others
Total allowances for/ writeback of
impairment losses on loans, advances,
financing and other debts, net

Community Financial Services


Global Banking :
Corporate Banking
Global Markets
Investment Banking
International Banking
Insurance, Takaful and AM
Head Office and Others
Allowances for impairment losses on
financial investments, net

Operating Profit

2010

2011

2012

2013

14,294,778
1,911,001
2,838,432
759,085
19,803,296
(1,243,064)
18,560,232

9,693,325
1,537,456
1,887,222
579,936
13,697,939
(813,428)
12,884,511

20,689,384
3,252,573
3,874,024
1,415,328
29,231,309
(1,698,848)
27,532,461

26,905,923
3,684,993
4,092,901
1,603,171
36,286,988
(3,036,211)
33,250,777

10,355,757
1,388,415
1,890,875
356,774
13,991,821
(1,120,169)
12,871,652

5,775,441
1,254,328
1,161,984
370,413
8,562,166
(734,843)
7,827,323

12,159,312
2,463,826
2,562,083
914,046
18,099,267
(1,496,097)
16,603,170

14,711,450
2,732,243
2,511,268
1,132,028
21,086,989
(2,548,629)
18,538,360

5,270,446
818,301
238,410
70,339
6,397,496
(1,027,088)
5,370,408

3,315,276
569,336
166,318
202,642
4,253,572
(690,171)
3,563,401

6,879,731
1,138,759
553,985
691,601
9,264,076
(1,369,477)
7,894,599

8,464,785
1,251,904
658,575
779,569
11,154,833
(2,285,239)
8,869,594

3,285,200

2,621,474

5,385,159

5,818,529

2,036,000
614,200
28,800
2,561,000
87,280
(406,863)
8,205,617

574,796
311,919
125,036
1,599,627
35,165
(233,702)
5,034,315

1,624,966
731,744
264,473
3,462,689
110,266
(902,321)
10,676,976

1,649,605
847,536
211,468
3,691,287
931,316
(754,279)
12,395,462

1,174,530

764,847

1,485,365

1,499,494

483,400
811,600
206,800
1,187,600
964,950
(162,845)

231,574
477,926
425,356
838,765
140,674
(504,962)

676,051
979,720
1,014,562
1,709,710
434,309
(1,025,968)

620,819
847,980
1,324,807
1,638,938
359,607
(409,583)

4,666,035

2,374,180

5,273,749

5,882,062

652,445

260,836

(2,674,061)

(1,674,045)

(3,546,727)

(3,699,767)

(881,476)
(95,460)
(112,709)
(2,038,919)
(609,447)

(188,444)
(128,797)
(481,647)
(1,255,661)
(213,245)

(403,703)
(232,825)
(929,614)
(2,559,158)
(486,093)

(418,407)
(239,924)
(1,060,218)
(2,762,770)
(746,839)

(6,412,072)

(3,941,839)

(8,158,120)

(8,927,925)

6,459,580

3,466,656

8,445,050

9,610,435

(187,273)

(23,442)

(422,917)

(22,152)

20,900
(597,474)
(1,213)

(13,769)
(278,781)
9,064

3,860
(430,798)
(8,280)

(2,537)
(102,686)
7,336

(1,187,977)

(329,080)

(642,711)

(729,586)

(39,830)

(58,957)
(5,160)
1,697
(4,817)

(5,092)
(9,757)
(39,805)
(5,562)

(58,978)
(12,451)
(65,727)
(13,366)

(67,237)

(60,216)

(150,522)

16,800

(23,030)
5,248,573

3,070,339

(299,559)
92,066

7,742,123

(393,788)
(237,911)

8,730,327

(RM'000)
Note 5 - Cash and Short-Term Funds
Cash, balances and and deposits with banks and other financial institutions
Money at call
Total
Note 6 -Deposits and Placements with Financial Institutions
Licensed banks
Bank Negara Malaysia
Other financial institutions
Total

Note 7 - Financial Assets Purchased Under Resale Agreements and Obligations on Financia
Assets Sold Under Repurchase Agreements
The financial assets (securities) purchased under resale agreements
Malaysian Government Securities
Foreign Government Treasury Bills
Foreign Government Bonds
Foreign Government Securities
Private Debt Securities
Total
The financial assets (securities) sold under repurchase agreements
Securities
Securities (financial assets) held-for-trading
Securities (financial investments) available-for-sale
Total
Note 8 - Securities Portfolio
Securities held-for-trading
Securities available-for-sale
Securities held-to-maturity
Total
Note 8 - Financial Assets at Fair Value Through Profit or Loss ("FVTPL")
Designated upon initial recognition
Held-for-trading
Total

(a) Financial assets designated upon initial recognition


At fair value
Money market instruments:
Malaysian Government Securities
Malaysian Government Investment Issues
Negotiable Islamic Certificates of Deposits
Quoted Securities:
In Malaysia:
Shares, warrants, trust units and loan stocks
Outside Malaysia:
Shares, warrants, trust units and loan stocks
Unquoted Securities:
In Malaysia:
Shares, warrants, trust units and loan stocks
Private and Islamic debt securities
Structured deposits
Total financial assets designated upon initial recognition
(b) Financial Assets Held-For-Trading
At fair value
Money market instruments:
Malaysian Government Securities
Malaysian Government Treasury Bills
Malaysian Government Investment Issues
Bank Negara Malaysia Bills and Notes
Khazanah Bonds
Bank Negara Malaysia Monetary Notes
Foreign Government Treasury Bills
Foreign Government Securities
Foreign Certificate of Deposits
Sukuk Ijarah Bonds (Sukuk Bank Negara Malaysia Ijarah)
Cagamas Bonds
Negotiable Instruments of Deposits
Quoted Securities:
In Malaysia:
Shares, warrants, trust units and loan stocks
Outside Malaysia:

Shares, warrants, trust units and loan stocks


Shares
Unquoted Securities:
Foreign Private Debt Securities
Foreign Government Bonds
Malaysia Global Sukuk
Malaysian Government Bonds
Private and Islamic Debt Securities in Malaysia
Credit Linked Notes
Equity Linked Notes
Mutual Funds
Structured Deposits
Total Financial Assets Held-For-Trading
Note 9 - Financial Investments Available-For-Sale
At fair value, or at cost less impairment losses for certain unqouted equity instruments
Money market instruments:
Malaysian Government Securities
Sukuk Bank Negara Malaysia Ijarah
Cagamas Bonds
Foreign Government Securities
Malaysian Government Treasury Bills
Malaysian Government Investment Issues
Foreign Government Treasury Bills
Negotiable Instruments of Deposits
Bankers' Acceptances and Islamic Accepted Bills
Khazanah Bonds
Foreign Certificates of Deposits
Bank Negara Malaysia Monetary Notes
Quoted Securities:
In Malaysia:
Shares, warrants, trust units and loan stocks
Outside Malaysia:
Shares, warrants, trust units and loan stocks
Unquoted Securities:
Shares, trust units and loan stocks in Malaysia
Shares, trust units and loan stocks outside Malaysia
Private and Islamic Debt Securities in Malaysia

Malaysian Government Bonds


Foreign Government Bonds
Credit Linked Notes
Foreign Private and Islamic Debt Securities
Malaysia Global Sukuk
Structured Deposits
Total Financial Investments Available-For-Sale
(a) Maturity profile of money market instruments, available-for-sale
Within one year
One year to three years
Three years to five years
After five years
Total
Note 10 - Financial Investments Held-To-Maturity
At amortised cost less impairment losses
Money market instruments:
Malaysian Government Securities
Cagamas Bonds
Foreign Government Securities
Foreign Government Treasury Bills
Malaysian Government Investment Issues
Foreign Certificates of Deposits
Khazanah Bonds
At amortised cost less impairment losses
Unquoted Securities:
Private and Islamic Debt Securities in Malaysia
Malaysian Government Bonds
Foreign Government Bonds
Foreign Private and Islamic Debt Securities
Others
Accumulated Impairment Lossed
Total Financial Investments Held-To-Maturity
(a) Indicative fair values of financial investments held-to-maturity
Money market instruments:
Malaysian Government Securities
Cagamas Bonds

Foreign Government Securities


Foreign Government Treasury Bills
Malaysian Government Investment Issues
Foreign Certificates of Deposits
Khazanah Bonds
Unquoted Securities:
Private and Islamic Debt Securities in Malaysia
Malaysian Government Bonds
Foreign Government Bonds
Foreign Private and Islamic Debt Securities
Others
(b) Maturity profile of money market instruments, held-to-maturity
Within one year
One year to three years
Three years to five years
After five years
Total
Maturity structure of money market instruments, available-for-sale and held-to-maturity
(for 2009 and 2010)
Within one year
One year to three years
Three years to five years
After five years
Total
Note 11 - Loans, Advances and Financing
Overdrafts/cashline
Term loans:
- Housing loans/financing
- Syndicated loans/financing
- Hire purchase receivables
- Lease receivables
- Other loans/financing
Credit card receivables
Bills receivables
Trust receipts
Claims on customers under acceptance credits
Loans/financing to financial institutions
Revolving credits
Staff loans

Loans to:
- Executive directors of subsidiaries
- Executive directors of the Bank
Others
Unearned interest and income
Gross loans, advances and financing
Allowances for impaired loans, advances and financing:
- Individual allowance
- Collective allowance
Net loans, advances and financing
(i) Loans, advances and financing analysed by type of customer
Domestic banking institutions
Domestic non-banking financial institutions:
- Stockbroking companies
- Others
Domestic business enterprises:
- Small and medium enterprises
- Others
Government and statutory bodies
Individuals
Other domestic entities
Foreign entities
Gross loans, advances and financing/Total domestic operations for year 2009 & 2010
(ii) Loans, advances and financing analysed by geographical location
Malaysia
Singapore
Indonesia
Labuan Offshore
Hongkong SAR
United States of America
People's Republic of China
Vietnam
United Kingdom
Brunei
Cambodia
Bahrain
Philippines
Papua New Guinea
Thailand

Laos
Others
Gross loans, advances and financing
(iii) Loans, advances and financing analysed by interest/profit rate sensitivity
Fixed rate:
- Housing loans/financing
- Hire purchase receivables
- Other fixed rate loans/financing
Variable rate:
- Base lending rate plus
- Cost plus
- Other variable rates
Gross loans, advances and financing
(iv) Loans, advances and financing analysed by economic purpose
(Computed by separating Domestic and Overseas Operations in years 2009 and 2010 only)
Purchase of securities
Purchase of transport vehicles
- Less: Islamic transport vehicles sold to Cagamas
Purchase of landed properties:
- Residential
- Non-residential
- Less: Islamic housing loans sold to Cagamas
Purchase of fixed assets (excluding landed properties)
Personal use
Credit card
Purchase of consumer durables
Constructions
Mergers and acquisitions
Working capital
Others
Overseas Operations
Gross loans, advances and financing
(v) Maturity profile of loans, advances, and financing
Within one year
One year to three years
Three years to five years
After five years
Gross loans, advances and financing
(vi) Movements in impaired loans, advances and financing ("impaired loans")

Gross impaired loans at January 1


Newly impaired
Reclassified as non-impaired
Amount recovered
Amount written off
Converted to financial investments available-for-sale
Exchange differences and expenses debited
Amount transferred from other debts
Disposal of subsidiaries
Acquisition of subsidiaries
Transferred to a subsidiary
Gross impaired loans at December 31
Less: Individual allowance
Net impaired loans, advances and financing at December 31
Calculation of ratio of net impaired loans:
Gross loans, advances and financing
Less: Individual allowance
Add: Islamic loans sold to Cagamas
Net loans, advances and financing
Ratio of net impaired loans
- Including specific allowance on performing loans
- Excluding specific allowance on performing loans
(vii) Impaired loans, advances and financing by economic purpose
Purchase of securities
Purchase of transport vehicles
Purchase of landed properties:
- Residential
- Non-residential
Purchase of fixed assets (excluding landed properties)
Personal use
Credit card
Purchase of consumer durables
Constructions
Working capital
Others
Total/Total domestic operations for year 2009 & 2010
(viii) Impaired loans, advances and financing by geographical distribution
Malaysia
Singapore

Indonesia
Labuan Offshore
Hongkong SAR
United States of America
People's Republic of China
Vietnam
United Kingdom
Brunei
Cambodia
Bahrain
Philippines
Papua New Guinea
Thailand
Others
Total
(ix) Movements in the allowances for impaired loans, advances and financing
Individual allowance
At January 1
Allowance made
Amount written back
Amount written off
Transferred to impairment losses in securities
Transferred to collective allowance
Amount transferred from other debts
Acquisition of subsidiaries
Disposal of subsidiaries
Transferred to a subsidiary
Exchange differences
At December 31
Collective allowance
At January 1
Allowance made
Amount written back
Amount written off
Transferred to impairment losses in securities
Transferred from individual allowance
Transferred to a subsidiary
Acquisition of subsidiaries
Exchange differences
At December 31
As a percentage of total loans, less individual allowance

As a percentage of total risk-weighted assets for credit risk


Note 15 - Investment Properties
At January 1, under FRS
Effects of adoption of MFRS
At January 1, under MFRS
Addition
Fair value adjustments
Revaluation reserve
Reclassification from prepaid land lease payment
Reclassification from PPE
Fair value adjustments relating to insurance funds
Transferred to property, plant and equipment (Note 19)
Disposal of Subsidiaries
Impairment loss
Acquisition of Subsidiaries
Disposal
Exhange Differences
At December 31
Investment properties are held under lease terms
At Fair Value
Leasehold land
Buildings
Total

Note 16 - Statutory Deposits with Central Banks


With Bank Negara Malaysia
With Other Central Banks
Total
Note 17 - Investment in Subsidiaries
Bank
Unquoted shares, at cost
In Malaysia
Outside Malaysia
Total
Less: Accumulated impairment losses
Total
Note 18 - Interest in Associates and Joint Ventures
Equity Interest
Unquoted shares, at cost
Quoted shares, at cost
Unquoted foreign mandatory convertible private debt securities
Exchange differences

Share of post-acquisition reserves


Less: Accumulated impairment losses
Other interest in associates
Unquoted foreign private debt securities
Total
Market value of quoted shares

Note 28 - Borrowings
Secured:
- Less than one year
Denominated in:
- SGD
- THB
- PHP
- IDR
- VND
- More than one year
Denominated in:
- SGD
- PHP
- IDR
Total Secured Borrowings
Unsecured:
(i) Borrowings
- Less than one year
Denominated in:
- USD
- CNY
- SGD
- THB
- HKD
- IDR
- VND
- PHP
- More than one year
Denominated in:
- USD
- SGD

- IDR
- PHP
(ii) Medium Term Notes
- Less than one year
Denominated in:
- USD
- SGD
- More than one year
Denominated in:
- USD
- HKD
- JPY
Total Unsecured Borrowings
Total Borrowings
Note 29 - Subordinated Obligations
RM 1,500 million subordinated Islamic bonds due in 2018
RM 1,000 million subordinated Islamic bonds due in 2015
RM 1,500 million subordinated bonds due in 2017
USD 300 million subordinated certificates due in 2017
RM 3,100 million subordinated Term Loan due in 2019
USD 150 million subordinated notes due in 2015
RM 3,100 million Term Loan due in 2023
SGD 1,000 million capital subordinated notes due in 2021
RM 1,000 million subordinated sukuk due in 2021
IDR 1.5 trillion BII subordinated bond due in 2018
RM 2,000 million subordinated notes due in 2021
IDR 500 billion BII subordinated bond due in 2018
RM 750 million subordinated notes due in 2021
RM 250 million subordinated notes due in 2023
RM 2,100 million subordinated notes due in 2024
USD 800 million subordinated notes due in 2022
IDR 1.0 trillion BII subordinated bond due in 2019
RM 500 million subordinated notes due in 2023
Total
Note 35 - Interest Income
Loans, advances and financing
Money at call and deposits and placements with financial institutions

Financial
Financial
Financial
Financial

assets purchased under resale agreements


assets at FVTPL
Investments AFS
Investments HTM

Amortisation of premiums/accretion of discounts, net


Net interest income clawed back/suspended
Total Interest Income
Note 36 - Interest Expense
Deposits and placements from financial institutions
Deposits from customers
Loans sold to Cagamas
Floating rate certificates of deposits
Borrowings
Subordinated notes
Subordinated bonds
Capital securities
Net interest on derivatives
Others
Total Interest Expense
Note 37 - Net Income/(Loss) from Insurance/Takaful Business
Gross earned premiums
Premium ceded to reinsurers
Net earned premiums
Fee and commission income
Investment income
Realised gains and losses
Fair value gains and losses
Other revenue
Gross benefits and claims paid
Claims ceded to reinsurers
Gross change to contract liabilities
Change in contract liabilities ceded to reinsurers
Net benefits and claims
Net fee and commission expenses
Change in expense liabilities
Management Expenses
Taxation of life and takaful fund

Other operating expenses


Net fee and commission expenses, change in expense liabilities and taxation of life and ta
Net Income/(Loss) from Insurance/Takaful Business

Note 38 - Non-Interest Income


Fee income:
Commission
Service charges and fees
Guarantee fees
Underwriting fees
Brokerage income
Fees on loans, advances, and financing

Investment Income:
Net gain on disposal of financial assets at FVTPL
Net gain on disposal of financial investments AFS
Net loss on redemption of financial investments HTM
(Loss)/Gain on disposal/liquidation of subsidiaries
Gain on disposal/liquidation of associates

Gross dividends from:


Financial investments AFS
Quoted outside Malaysia
Quoted in Malaysia
Unquoted outside Malaysia
Unquoted in Malaysia
Financial assets at FVTPL
Quoted in Malaysia
Subsidiaries
Associates

Unrealised (loss)/gain of:


Financial assets at FVTPL
Derivatives

Other income:
Foreign exchange gain, net
Net premiums written

Rental income
Gain on disposal of property, plant and equipment
Gain on disposal of foreclosed properties
Sale of development properties
Actuarial surplus on Life Insurance business
Other operating income
Other non-operating income

Total Non-Interest Income


Note 39 - Overhead Expenses
Personnel expenses
Salaries, allowances and bonuses
Social security cost
Pension costs - defined contribution plan
ESS expenses*
Share options granted under ESOS
Other remuneration paid and payable to former directors
Other staff related expenses

Establishment costs
Depreciation of property, plant and equipment
Amortisation of core deposit intangibles
Amortisation of agency force
Amortisation of customer relationship
Amortisation of computer software
Amortisation of prepaid land lease payments
Rental of leasehold land and premises
Repairs and maintenance of property, plant and equipment
Information technology expenses
Fair value adjustments on investment properties
Others

Marketing costs
Advertisement and publicity
Others

Administration and general expenses


Fees and brokerage
Administrative expenses

General expenses
Cost of development property
Others
Insurance claims incurred
Overhead expenses allocated to subsidiaries
Total Overhead Expenses
Cost to income ratio
Note 41 - Allowances for Impairment Losses on Loans, Advances, Financing and other Deb
Allowances for impairment losses on loans, advances and financing:
- Individual allowance
Allowance made
Amount written back
Net
- Collective allowance
Allowance made
Amount written back
Net
Bad debts and financing:
- Written off
- Recovered
Allowance for impairment losses on other debts
Total
Note 57 - The Operations of Islamic Banking Scheme

Gross attributable income


Income derived from investment of Islamic Banking Funds
Total income before allowance for impairment on financing and advances, and overhead ex
Income attributable to the depositors
Finance cost
Net of intercompany income and expenses
Income from Islamic Banking Scheme operations reported in the income statement of the

2009

2010

2011

23,525,521
82,458
23,607,979

28,629,055
78,937
28,707,992

48,893,608
195,480
49,089,088

4,958,051
665,948
675,176
6,299,175

7,901,083
393,648
620,644
8,915,375

5,381,074
474,546
597,358
6,452,978

249,257
97,205
346,462

1,489,272
47,877,105
8,360,751
57,727,128

371,237
###
###
###
371,237

1,397,235
1,397,235

407,056
###
###
407,056

267,652
267,652

2,651,103
42,576,235
8,942,708
54,170,046

63,813
73,227
29,946
4,978
444,031
4,738
219,426
840,159

267,762
25,727
50,818
###
605,006
509,037
90,780
228,598
69,902
###
###
1,847,630

572,088
24,109
266,872
1,476,873
407,614
4,351,525
23,738
313,489
145,985
116,331
20,146
7,718,770

27,939
27,939

22,802
22,802

216,787
216,787

288,584
332,590
621,174
1,489,272

185,855
###
###
###
594,816
###
###
###
###
780,671
2,651,103

333,150
3,239
9,619
1,384,432
1,730,440
9,665,997

8,000,877
289,075
7,601,976
9,902
8,128,186
556,106
1,776,469
3,070,391
828,797
50,005
30,311,784

5,284,696
###
1,978,555
7,357,037
5,655,221
2,489,382
1,304,946
1,104,706
830,758
###
99,890
26,105,191

2,242,451
11,132
1,588,212
7,743,133
5,021,404
4,092,851
1,589,712
1,502,726
1,532,266
25,323,887

386,243

407,559

352,034

97,811
484,054

82,056
489,615

321,925
673,959

691,283
39,358
11,015,939

701,289
27,449
9,925,149

635,871
35,055
10,046,084

162,297
80,671
225,735
4,865,984
17,081,267
47,877,105

144,475
110,006
151,784
4,713,610
207,667
###
15,981,429
42,576,235

6,633
880,538
10,549,662
306,085
46,694
22,506,622
48,504,468

8,553,746
2,360,217
4,821,196
9,588,728
25,323,887

6,263,488
13,390
443,637
512,691
7,233,206

6,237,200
11,794
824,404
###
527,466
###
16,603
7,617,467

6,235,270
795,114
495,392
196,528
7,722,304

494,853
7,638
640,842
2,044
1,145,377
(17,832)
8,360,751

953,988
6,761
394,513
###
1,357,306
(32,065)
8,942,708

1,641,842
176,222
354,529
2,044
2,174,637
(16,042)
9,880,899

6,244,726
13,505

6,356,914
11,829

6,411,846
-

495,508
512,755
-

827,187
###
530,545
###
16,960

784,139
500,188
197,407

480,971
7,689
661,650
2,044

956,182
6,875
###
409,800
2,013

1,663,227
176,222
368,826
2,044

1,778,761
2,663,317
132,655
3,147,571
7,722,304

7,804,762
3,499,277
12,780,339
13,460,612
37,544,990

6,308,634
7,623,572
5,532,927
14,257,525
33,722,658

14,493,359

15,393,797

15,951,027

33,537,779
12,407,057
38,050,669
3,381
56,782,224
4,283,414
2,293,815
2,082,258
11,129,121
10,170,957
20,228,361
1,460,468

36,293,612
13,053,818
40,748,909
3,462
74,264,535
4,973,369
2,289,004
2,250,995
10,316,581
10,406,605
20,853,403
1,636,344

50,570,121
19,728,351
48,099,062
3,819
116,491,349
6,214,321
5,370,780
2,556,914
11,367,524
6,329,311
27,084,954
1,608,343

206,922,863

232,484,434

311,375,876

2,104
193
488,514
207,413,674
(14,050,883)
193,362,791

839
348,403
232,833,676
(19,575,236)
213,258,440

1,807,604
313,186,437
(31,773,463)
281,412,974

(3,854,026)
(3,725,599)
185,783,166

(3,864,832)
(3,838,541)
205,555,067

(2,812,309)
(4,169,974)
274,430,691

2,957

57,323
96,725
11,364,670

149,044
12,723,851

815
18,949,977

20,725,182
31,940,124
2,282,784
62,811,592
148,302
574,944
129,944,323

13,894,525
42,315,555
2,238,690
72,201,991
125,319
622,790
144,271,765

54,048,038
55,456,073
2,890,246
125,454,869
1,769,201
22,786,432
281,412,974

129,944,323
39,269,681
12,417,737
3,127,625
2,892,352
1,339,147
969,266
548,044
1,280,950
130,655
302,508
280,649
793,490
66,364
-

144,271,765
40,588,966
17,102,481
3,268,810
3,068,938
753,244
1,017,861
480,568
994,784
158,352
270,905
236,586
969,478
75,702
###

177,833,498
60,758,571
24,027,545
4,486,178
6,507,669
1,105,244
1,209,861
556,362
1,364,150
165,396
534,861
346,415
1,856,284
128,380
502,706

193,362,791

###
###
213,258,440

29,854
281,412,974

11,235,546
29,790,106
19,021,173

12,681,639
30,943,085
22,327,061

12,152,191
36,660,189
45,564,837

64,648,964
20,795,087
47,871,915
193,362,791

75,881,193
22,753,403
48,672,059
213,258,440

100,064,634
34,915,664
52,055,459
281,412,974

11,437,474
19,844,339
(268,304)

14,705,379
22,456,973
(1,137,321)

21,804,073
41,511,231
(1,499,270)

24,649,453
6,493,344
(315,069)
3,264
3,782,771
3,556,878
15,709
6,300,230
51,005,722
3,438,512
63,418,468
193,362,791

26,284,395
7,308,932
2,273
4,585,420
4,124,726
7,144
6,707,287
###
56,857,184
2,369,373
68,986,675
213,258,440

281,412,974

63,415,716
20,379,413
19,353,216
90,214,446
193,362,791

69,370,810
18,691,972
18,941,903
106,253,755
213,258,440

79,432,121
34,309,197
37,591,705
130,079,951
281,412,974

51,419,270
17,500,708
4,005,398
7,182,915
6,261,455
286,319
13,626,455
72,367
104,214,753
15,027,300

6,472,448
4,519,887
(1,870,449)
(1,398,790)
(1,439,402)
(931)
35,781

6,715,232
4,622,381
(2,190,759)
(1,430,570)
(1,682,059)
55,000
97,095

396,688
6,715,232
(3,854,026)
2,861,206

6,186,320
(3,864,832)
2,321,488

193,362,791
(3,854,026)
583,373
190,092,138

213,258,440
(3,864,832)
1,137,321
210,530,929

1.51%
1.64%

1.10%
1.22%

8,756,862
2,628,313
(1,087,435)
(1,383,829)
(997,038)
(9,327)
106,025
22,474
8,036,045
(2,812,309)
5,223,736

281,412,974
(2,812,309)
1,499,270
280,099,935
1.86%

131,940
122,873

46,731
123,561

101,559
231,073

1,957,069
332,185

1,726,239
313,602

212,615
53,267
1,571
462,533
2,391,994
19,492
5,685,539

160,203
46,872
1,635
483,573
2,204,582
22,138
5,129,136

1,038,738
201,064
114,208
90,160
1,165
540,445
4,794,683
922,950
8,036,045

5,685,539
296,279

5,129,136
209,550

6,308,041
379,834

426,994
107,238
74,170
22,176
20,859
42,629
2,789
33,922
2,637
6,715,232

483,397
79,900
114,136

538,420
230,647
72,093

20,290
17,500
68,511
2,056
24,047

5,932
80,335
215,719
768
18,602
58,618
73,677

###

###
35,888
1,909
###
###
6,186,320

3,353,676
2,088,853
(475,569)
(1,439,402)
(931)
(143)
356,983
(29,441)
3,854,026

3,854,026
2,148,300
(516,138)
(1,682,059)
(1,278)
97,095
###
###
(35,114)
3,864,832

3,187,611
358,818
(41,574)
143
240,660
(20,059)
3,725,599

3,725,599
477,569
(331,891)
###
###
1,278
###
(34,014)
3,838,541

1.96%

1.82%

25,672
27,687
8,036,045

2,932,129
535,890
(296,458)
(364,074)
(9,327)
(15,628)
20,553
9,224
2,812,309

4,271,208
504,176
(306)
(632,964)
15,628
12,232
4,169,974
1.49%

1.93%

1.76%

1.86%

3,885
3,885
(136)
2,742
18,787
1,572
(330)
58
26,578

26,578
###
26,578
###
(209)
9,057
11,028

45,051
45,051
14

(1,063)
(67)
45,324

(43)
17,652
(1,330)
663
62,007

17,211
5,497
22,708

31,000
6,764
37,764

31,000
6,846
37,846

1,038,808
3,012,124
4,050,932

676,053
3,795,329
4,471,382

6,025,005
4,552,411

10,577,416

14,020,168
896,844
14,917,012
(3,130,719)
11,786,293

14,887,252
###
15,784,096
(3,130,719)
12,653,377

19,296,067
1,064,854
20,360,921
(3,130,719)
17,230,202

397,129
2,864,864
(288,993)

476,036
###
###
(580,523)

505,621
2,864,864
19,038
(819,706)

2,973,000
10,190
2,983,190
(353,067)
2,630,123

2,760,377
64,208
2,824,585
(353,147)
2,471,438

2,569,817
177,828
2,747,645
(353,557)
2,394,088

2,630,123
925,706

###
2,471,438
922,358

12,374
2,406,462
794,655

65,899

599,246

65,899
210,164

599,246
959,559

210,164
276,063

959,559
1,558,805

281,360

1,395,658

689,204

281,360
1,230,950

1,395,658
1,153,143

689,204
4,170,359

1,230,950

1,153,143

4,170,359
123,672

123,672
643,190

1,512,310

2,548,801

643,190
5,626,425

1,512,310

2,824,864

7,185,230

1,500,000
1,000,000
1,500,000
1,052,239
3,100,000
520,134

8,672,373

8,853,935
798,125

###
###
###
969,116
###
-

8,069,116

8,599,892
411,668

1,509,684
1,513,151
954,340

3,111,211
2,456,311
1,010,723
404,613
2,029,783
170,298
750,326
250,113
14,160,553

5,630,652
321,898

4,830
30,502
1,771,858
162,510
11,621,760
-2,738
-49,159
11,569,863

5,817
59,930
1,543,461
419,378
11,040,146
-46,404
-38,522
10,955,220

2,529
64,105
753,393
225,376
6,997,953
6,366
0
7,004,319

816,055
3,989,735
28,584
9,364
104,133
110,687
217,027
371,578
0
3,194
5,650,357

191,008
3,066,145
5,100
1,075
164,984
137,995
220,113
397,927
0
0
4,184,347

219,732
2,169,377
0
1,617
153,233
146,824
67,852
201,405
18,001
0
2,978,041

418,828
*There is no breakdown on the notes of he previuos FS

806,543
935,103
127,171
38,363
53,974
96,361
2,057,515

(27,505)
141,743
750
114,988

869,807
984,891
134,090
41,508
89,060
487,584
2,606,940

28,612
191,045
2,267
659
###
222,583

391,696
595,097
18,087
277,187
285,072
1,567,139

17,858
271,636
132
2,052
30,274
321,952

1,880
19,704
2,430
5,958
29,972

1,408
14,002
1,096
13,921
30,427

689
7,226
3,744
8,121
19,780

29,972

30,427

19,780

(171,880)
(171,880)

437,143
505,267

5,060
306,237
311,297

517,220
-

(52,564)
(241,409)
(293,973)

529,283
-

24,891
16,585
13,285
306,230
41,194
1,344,595

530,080
24,175
19,115
66
191,401
176,836
35,895
1,494,788

10,681
4,998
782
53,560
132,791
27,187
759,282

3,375,190

4,666,035

2,374,180

2,062,684
13,522
242,585

2,265,710
12,427
278,299

1,589,912
13,402
171,992
56,848

122
1,853
233,192
2,553,958

361,985
2,918,421

264,561
2,096,715

146,167
71,737

58,884
1,746
131,417
108,446
480,027
136
43,750
1,042,310

181,642
93,037
58,742
1,367
158,538
111,533
479,322
209
24,102
1,108,492

104,363
22,801
9,848
16,196
29,265
113,656
81,583
272,959
(14)
25,831
676,488

347,211
85,732
432,943

363,459
75,000
438,459

178,608
61,515
240,123

509,763
358,959

656,329
410,525

312,693
293,291

306,004

516,980

46,608
1,221,334
308,620
5,559,165

66,292
1,650,126
296,574
6,412,072

2,088,853
(475,569)
1,613,284

2,148,300
(516,138)
1,632,162

317,244

317,244

269,030
34,762
18,737
928,513
3,941,839

535,890
(296,458)
239,432

145,678

145,678

504,176
(306)
503,870

5,694
(517,931)
1,418,291
280,523
1,698,814

31,797
(624,716)
1,184,921
3,056
1,187,977

34,188
(463,338)
314,152
14,928
329,080

1,536,268
131,025
1,667,293
(655,319)
1,011,974
212,347
1,224,321

1,849,021
137,157
1,986,178
(671,956)
1,314,222
###
120,522
1,434,744

1,548,558
155,131
1,703,689
(729,158)
974,531
(21,186)
54,692
1,008,037

2012

2013

39,339,075
679,558
40,018,633

45,573,428
2,493,930
48,067,358

10,639,290
446,215
863,645
11,949,150

6,175,957
289,421
691,371
7,156,749

249,862
400,452
147,866
798,180

20,558
20,558

12,436,881
16,719,811
29,156,692

81,287
4,218,768
4,300,055

11,177,612
7,988,953
19,166,565

383,210
1,015,317
409,798
1,808,325

284,447
1,048,283
237,013
1,569,743

33,024

57,783
90,807

53,683
10,309,201
174,865
10,537,749
12,436,881

9,375,999
231,870
9,607,869
11,177,612

273,752
86,256
5,945,044
50,399
6,945,597
196,235
132,982
43,781
15,389
13,689,435

545,022
9,701
233,270
2,096,486
44,950
1,121,248
1,127
418,568
10,128
15,238
4,495,738

412,620

476,290

165,125

158,774

577,745

635,064

696,590
3,235
1,474,973
261,960
7,731
8,142
2,452,631
16,719,811

661,092
204,295
1,416,190
386,954
189,620
2,858,151
7,988,953

5,121,448
7,013
323934
8,294,004
65,113
3,783,570
5,170,641
1,441,463
1,930,357
1,710,195
69,762
771,005
28,688,505

5,376,329
335,958
7,123,882
28,153
12,873,722
8,464,589
2,973,885
1,782,763
1,764,019
32,292
40,755,592

2,470,261

2,605,959

267,440
2,737,701

271,424
2,877,383

636,886
15,703
14,216,359

696,820
8,247
15,826,042

387,805
1,263,050
12,818,785
27,580
29,366,168
60,792,374

1,049,980
5,526,754
16,038,018
58,086
39,203,947
82,836,922

10,338,873
5,286,828
3,452,308
9,610,496
28,688,505

16,115,140
4,948,077
2,396,680
17,295,695
40,755,592

101,423

337,658

303,894
40,907
784,033
1,230,257

376,652
468,262
1,362,378
91,260
813,573
3,449,783

1,578,372

2,113,241

70,246
22,954
2,044
1,673,616
(33,105)
2,870,768

122,425
16,500
###
2,254,210
(35,819)
5,668,174

100,231
-

334,936
-

293,782
40,564
789,183

1,566,887
70,246
22,954
2,044

362,654
468,210
1,336,873
91,260
808,025

2,089,136
122,426
13,773
###

405,208
40,907
174,037
610,105
1,230,257

768,180
311,689
544,941
1,824,973
3,449,783

16,805,906

17,765,336

67,536,750
23,784,574
52,768,286
18,952
140,635,475
6,141,586
5,239,068
3,025,183
11,591,582
3,498,525
27,321,888
2,504,766

88,740,412
25,671,242
52,431,837
20,929
181,341,680
6,509,680
5,216,010
3,835,055
11,310,833
4,337,601
32,981,166
2,777,136

360,872,541

432,938,917

3,633

4,495

2,384,062
363,260,236
(45,461,972)
317,798,264

2,673,826
435,617,238
(74,237,088)
361,380,150

(2,228,535)
(3,744,994)
311,824,735

(1,939,320)
(3,823,303)
355,617,527

32,783

1,912

328
13,945,361

364
16,199,389

58,977,824
71,497,651
6,127,317
140,187,914
2,693,646
24,335,440
317,798,264

67,988,292
75,691,335
8,745,359
159,668,593
3,553,363
29,531,543
361,380,150

201,304,578
68,857,389
26,319,888
5,157,739
7,130,389
1,014,176
1,448,137
409,880
1,315,839
288,102
732,966
307,445
2,396,795
152,330
934,561

224,392,074
81,162,326
28,576,749
6,799,926
9,310,531
954,907
2,796,912
388,768
1,397,833
318,179
895,358
287,965
2,781,552
167,495
1,072,617

28,050
317,798,264

45,140
31,818
361,380,150

11,752,382
43,062,478
50,705,753

13,906,768
46,181,266
56,572,652

113,308,022
42,241,585
56,728,044
317,798,264

129,042,645
48,681,566
66,995,253
361,380,150

25,836,241
44,540,248

31,545,546
47,901,056

57,851,502
23,967,059

65,773,530
29,271,455

4,350,342
7,786,900
6,433,326
316,948
13,913,607
3,989,396
111,828,565
16,984,130

4,692,156
8,137,882
6,717,193
452,606
13,206,415
3,922,495
126,731,269
23,028,547

317,798,264

361,380,150

87,158,292
44,301,625
44,782,443
141,555,904
317,798,264

103,617,415
48,189,831
50,776,490
158,796,414
361,380,150

8,036,844
4,154,947
(2,144,303)
(2,106,649)
(2,291,938)
(13,792)
21,457
(2,214)

5,654,352
4,485,865
(1,260,300)
(1,840,674)
(1,579,965)
(152,544)
54,169
-

5,654,352
(2,228,535)
3,425,817

5,360,903
(1,939,320)
3,421,583

317,798,264
(2,228,535)

361,380,150
(1,939,320)

315,569,729
1.09%

359,440,830
0.95%

69,999
228,932

66,448
227,798

566,412
139,013
121,789
77,528
232
227,472
3,504,561
718,414
5,654,352

454,877
119,014
346
120,696
76,022
8
197,055
3,542,034
556,605
5,360,903

4,007,515
363,344

3,795,548
243,157

572,768
138,160
16,367
431
19,051
277,477
2,107
31,653
89,577
83,971
25,486
26,445
5,654,352

797,355
46,349
17,601
462
1,598
15,437
241,583
6,567
52,689
7,046
80,933
754
25,478
28,346
5,360,903

2,813,107
1,172,015
(437,932)
(1,222,716)

2,228,535
920,763
(324,954)
(872,595)

(60,216)

(13,663)

(2,720)
(33,003)
2,228,535

4,169,974
628,222
(1,069,222)
60,216
-

1,234
1,939,320

3,744,994
845,532
(37,769)
(707,370)
13,663
-

(44,196)
3,744,994

(35,747)
3,823,303

1.19%

1.06%

1.52%

62,007
480,470
542,477

1.42%

(281)
1,359
572,662

572,662
2,042
2,553
6,000
583,257

92,900
56,118
149,018

55,500
53,071
108,571

7,109,205
5,189,157
12,298,362

7,870,205
5,872,669
13,742,874

10,583

38,056
(2,528)
(17,004)

19,532,692
1,217,579
20,750,271
(3,115,802)
17,634,469

21,098,436
1,522,880
22,621,316
(3,115,802)
19,505,514

479,073
2,864,864
19,038
(1,040,729)

532,641
2,864,864
(1,041,851)

2,322,246
253,950
2,576,196
(353,337)
2,222,859

2,355,654
470,693
2,826,347
(361,006)
2,465,341

12,374
2,235,233
1,112,093

2,465,341
1,769,595

146,856
7,058
286,822
440,736

259,138
3,530
292,697
1,631
556,996

879,005
879,005
1,319,741

383,087
914
1,025,832
1,409,833
1,966,829

266,013
100,958
217,551
4,732
4,998
594,252

325,810
215,632
220,550
294,834
217,052
21,626
1,295,504

3,303,925
87,563

3,337,900
-

999,653
680
4,391,821

792,754
4,130,654

375,270
375,270

1,641,750
390,845
2,032,595

2,752,475
747,264
533,443
4,033,182
9,394,525

1,970,100
1,456,623
469,500
3,896,223
11,354,976

10,714,266

13,321,805

1,509,738
-

2,517,605
1,010,782
380,864
2,029,987
158,841
750,301
250,105
2,112,226
2,468,888
320,704
13,510,041

12,263,433
541,204

2,611,684
###
325,393
2,030,110
135,374
750,141
245,120
2,102,765
2,649,720
273,303
510,184
12,644,576

12,913,228
606,921

3,835
99,396
1,528,244
294,653
14,730,765
116,253
0
14,847,018

10,958
675,163
2,072,035
104,637
16,382,942
-76,471
0
16,306,471

511,490
4,549,003
0
9,477
389,155
429,075
91,374
401,286
-14,559
0
6,366,301

280,692
5,158,190
0
22,645
432,379
482,643
35,955
384,562
-75,875
0
6,721,191

5,472,743
(954,774)
4,517,969

4,927,794
(986,448)
3,941,346

21,264
852,893
394,173
(5,910)
1,262,420
(2,906,725)
259,179
(2,053,331)
572,957
(4,127,920)

(3,409,164)
347,217
(183,857)
(59,954)
(3,305,758)

(691,100)
(84,599)
(198,779)
-

(284,639)
(51,615)
(38,498)

(25,546)
(1,000,024)
652,445

(374,752)
260,836

eakdown on the notes of he previuos FS

820,154
1,620,216
90,642
539,826
513,694
3,584,532

150,241
438,523
(62)
806
8,989
598,497

941,806
1,365,211
125,120
762,630
349,140
3,543,907

281,508
917,780
(1)
(9,338)
1,189,949

7,278
16,344
432
10,552
34,606

2,485
73,840

34,606

13,075

101,790

56,273
29,307
85,580

(490,859)
(452,145)
(943,004)

576,152
-

1,732,308
-

12,390
88,715

24,559
7,638
2,747
20,347
301,534
37,557
970,534

38,153
4,303
25,470
3,287
138,160
47,739
1,989,420

5,273,749

5,882,062

3,506,393
16,220
390,142
96,187

3,712,214
30,456
420,441
105,584

580,431
4,589,373

675,189
4,943,884

223,646
38,869
14,493
28,144
64,715
245,261
140,952
559,397
(10,583)
10,493
1,315,387

268,692
28,368
11,067
24,308
142,740
253,988
145,294
633,896
(2,553)
40,838
1,546,638

387,500
187,277
574,777

505,362
205,271
710,633

527,638
564,595

664,026
637,987

583,886
13,924
(11,460)
1,678,583
8,158,120

386,662
2,145
35,950
1,726,770
8,927,925

1,172,015
(437,932)
734,083

920,763
(324,954)
595,809

628,222
628,222

845,532
(37,769)
807,763

120,433
(851,722)
631,016
11,695
642,711

146,579
(826,151)
724,000
5,586
729,586

3,487,402
310,838
3,798,240
(1,757,225)
2,041,015
(41,913)
197,157
2,196,259

4,489,860
318,017
4,807,877
(2,369,879)
2,437,998
(42,200)
414,384
2,810,182

Malayan Banking Berhad


Statement of Income
(in thousands and in Malaysian Ringgit)
Operating Revenue
Interest Income
Interest Expense
Net Interest Income
Income from Islamic Banking Scheme Operations
Net income/(loss) from insurance/takaful business
Dividends from subsidiaries and associates
Non-interest Income
Net Income
% yoy growth
Overhead expenses
Operating profit before impairment losses
Gross Margin
Allowances for impairment losses on loans, advances, financing, and other debts, net
(Allowances)/writeback of impairment losses on financial investments, net
Impairment Loss on investment in subsidiaries
Impairment loss on interest in associates
Impairment loss on goodwill
Write-back/(allowance) for non-refundable deposit
Operating Profit
EBIT Margin
Share of profits in associates and joint ventures
Profit before taxation and zakat
Taxation and Zakat
Profit for the financial year
Net Margin
Attributable to:
Equity holders of the Bank
Non-Controlling interests

Earnings per share attributable to equity holders of the bank


Basic
Diluted
Shares Outstanding (in '000)
Weighted Average Diluted Shares
Adjusted Basic Eps - Common Shareholders
Adjusted Diluted EPS - Common Shareholders
Reported EPS
Reported Diluted EPS

2009
17,586,337
11,569,863
(5,650,357)
5,919,506
1,224,321
7,143,827
7,143,827
3,375,190
10,519,017
(5,559,165)
4,959,852
47%
(1,698,814)
(197,489)
3,063,549
(353,067)
(1,619,518)
483,824
1,574,788
14.97%
99,504
1,674,292
(923,578)
750,714
7.14%
691,875
58,839

2010
18,560,232
10,955,220
(4,184,347)
6,770,873
1,434,744
8,205,617
8,205,617
4,666,035
12,871,652
22.37%
(6,412,072)
6,459,580
50%
(1,187,977)
(23,030)
5,248,573
5,248,573
40.78%
121,835
5,370,408
(1,401,958)
3,968,450
30.83%

2011
12,884,511
7,004,319
(2,978,041)
4,026,278
1,008,037
5,034,315
418,828
5,453,143
###
2,374,180
7,827,323
-39.19%
(3,941,839)
3,885,484
50%
(329,080)
(67,237)
3,489,167
###
###
###
###
3,489,167
44.58%
74,234
3,563,401
(887,071)
2,676,330
34.19%

2012
27,532,461
14,847,018
(6,366,301)
8,480,717
2,196,259
10,676,976
652,445
11,329,421
5,273,749
16,603,170
112.12%
(8,158,120)
8,445,050
51%
(642,711)
(60,216)
7,742,123
7,742,123
46.63%
152,476
7,894,599
(1,977,306)
5,917,293
35.64%

3,818,167
150,283

2,583,069
93,261

5,744,696
172,597

10%
90%

56%
44%

38%
62%

85%
15%

12
12

54
54

34
34

73
73

62,559.50
62,559.50

73,626.16
73,626.16

77,800.29
77,800.29

81,393.30
81,393.30

12
12

54
54

34
34

73
73

2013
33,250,777
16,306,471
(6,721,191)
9,585,280
2,810,182
12,395,462
260,836
12,656,298
5,882,062
18,538,360
11.66%
(8,927,925)
9,610,435
52%
(729,586)
(150,522)
8,730,327
8,730,327
47.09%
139,267
8,869,594
(2,098,261)
6,771,333
36.53%

2014F

2015F

2016F

2017F

19,558,964
(9,424,714)
10,134,250
3,512,728
13,646,978
230,300
13,877,277
4,831,317
18,708,594
0.92%
(9,363,083)
9,345,511
50%
(1,564,717)
0
7,780,794
7,780,794
41.59%
139,267
7,920,061
(1,005,848)
6,914,214
36.96%

21,514,860
(10,094,909)
11,419,951
4,390,909
15,810,860
225,694
16,036,554
6,478,086
22,514,640
20.34%
(10,787,477)
11,727,163
52%
(1,721,189)
0
10,005,974
10,005,974
44.44%
139,267
10,145,241
(1,288,446)
8,856,795
39.34%

23,666,346
(10,828,600)
12,837,746
5,488,637
18,326,383
221,180
18,547,563
9,106,124
27,653,687
22.83%
(12,774,663)
14,879,024
54%
(1,893,308)
0
12,985,716
12,985,716
46.96%
139,267
13,124,983
(1,666,873)
11,458,111
41.43%

26,032,981
(11,845,973)
14,187,008
6,860,796
21,047,804
216,756
21,264,560
13,437,831
34,702,391
25.49%
(15,553,546)
19,148,845
55%
(2,082,638)
0
17,066,206
17,066,206
49.18%
139,267
17,205,473
(2,185,095)
15,020,378
43.28%

6,552,391
218,942

6,690,652
223,562

8,570,423
286,373

11,087,628
370,483

14,534,714
485,664

97%
3%

97%
3%

97%
3%

97%
3%

97%
3%

76
76

77
77

99
99

128
128

168
168

89,331.57
89,449.58

89,332
89,450

89,332
89,450

89,332
89,450

89,332
89,450

76
76

77
77

99
99

128
128

168
168

25%
10%

MALAYAN BANGKING BERHAD


FIVE YEAR GROUP FINANCIAL SUMMARY
(in malaysian ringgit)

OPERATING RESULT (IN MILLIONS)


Operating revenue
Operating profit
Profit before taxation and zakat
Proft attributable to equity holders of the bank
KEY STATEMENTS OF FINANCIAL POSITION(IN MILLIONS)
Total assets
Financial investment portfolio
Loans, advances and financing
Total liabilities
Deposits from customers
Commitment and contingecies
Paid-up capital
Shareholders' equity
SHARE INFORMATION
Per share (sen)
Basic earnings
Diluted earnings
Gross dividend
Net assests (sen)
Share price as at 31 Dec / 30 June (Rm)
Market capitalization
FINANCIAL RATIOS %
Profitability ratios/ Market share
Net interest margin on average interest earning assets
Net interest on average risk weighted assets
Net return on average shareholders' funds
Net return on average assets
Net return on average risk weighted assets
Cost income ratio
Domestic market share in:
Loans, advances and financing
Deposits from customers- savings account
Deposits from customers- current account
CAPITAL ADEQUACY RATIOS %

CET 1 Capital ratio


Tier 1 capital ratio
Total capital ratio
Core capital ratio (after deducting proposed final dividend)
Risk-weighted capital ratio (after deducting porposed final dividend)
ASSET QUALITY RATIO
Net impaired loans / non-performing ratio %
Loans loss coverage%
Net loans deposit ratio %
Deposits to shareholders funds (times)
VALUATIONS ON SHARE
Gross dividend yield %
Dividend payout ratio %
Price earnings multiples (times)
Price to book multiples (times)

18,560
5,249
5,370
3,818

21,040
6,135
6,270
4,450

GROUP
FP 31 DEC
2011
12,892
3,497
3,571
2,587

336,700
68,885
205,894
308,035
236,910
232,273
7,078
27,887

411,254
76,871
255,018
377,522
283,797
292,109
7,478
32,395

451,632
84,669
276,253
415,747
314,692
369,792
7,639
34,337

53.9
53.9
55.0
393.9
7.56
53,510

61.4
61.4
60.0
433.2
8.94
66,855

34.5
34.5
36.0
449.5
8.58
65,546

2.9
3.5
14.5
1.2
1.6
46.5

2.6
3.6
14.5
1.2
1.8
49.2

2.5
4.0
15.2
1.2
2.0
49.7

17.6
27.7
20.5

18.1
27.9
20.7

17.9
27.6
19.5

FY 30 JUNE
2010

2011

10.1-11.0
13.7-14.6

11.2-11.8
14.7-15.4

11.0-11.7
15.7-16.4

1.2
124.5
86.8
8.5

2.3
82.3
90.2
8.7

1.9
86.9
87.8
9.2

7.3
76.5
14.0
1.9

6.7
74.9
14.6
2.1

4.2
79.9
24.9
1.9

P
FY 31 DEC
2012

2013

2014

31,227
7,744
7,896
5,746

33,251
8,730
8,870
6,552

494,911
92,820
311,825
451,096
347,156
379,695
8,440
42,095

560,443
107,672
355,618
512,701
395,611
433,829
8,862
45,997

610,342
107,672
391,179
555,685
418,562

72.7
72.7
65.0
498.8
9.20
77,648

75.8
75.7
53.5
519.0
9.94
88,088

77
77

2.6
4.2
16.0
1.2
2.1
48.6
cost Y ratio tryyy ->
18.2
27.7
20.2

2.5
4.2
15.1
1.2
2.2
47.8
48.2
18.4
27.7
20.4

7,781
7,920
6,691

8,862
52,912

14.49
1.2
44.3
50.0

11.253
13.059
15.664
12.8-13.5
16.6-17.4

1.1
105.6
89.8
8.2

1.0
107.5
89.9
8.6

7.1
74.7
12.7
1.8

5.4
71.9
13.1
1.9

93.5
7.9

#DIV/0!

2015

2016

2017

10,006
10,145
8,570

12,986
13,125
11,088

17,066
17,205
14,535

658,868
107,672
430,297
595,355
438,903

714,016
107,672
473,327
639,045
459,127

787,895
107,672
520,660
697,903
489,420

8,862
61,768

8,862
73,227

8,862
88,247

99
99

128
128

168
168

15.97
1.4

17.51
1.7

19.12
2.0

43.1
47.9

42.3
46.2

41.7
44.8

98.0
7.1

#DIV/0!

103.1
6.3

106.4
5.5

#DIV/0!

#DIV/0!

try

MALAYAN BANGKING BERHAD


KEY INTEREST BEARING ASSESTS AND LIABILITIES
(in millions and in malaysian ringgit)

Interest earning assests


Loans, advances and financing
Cash and short term funds and deposits and placements
with financial institutions
Financial asset at fair value through profit or loss
Financial investments available for sale
Financial investments held for maturity
Total
Averages
Interest bearing liabilitites
Deposits from customers
Despotits and placements from financial institutions
Borrowings
Subordinate obligations
Capital securities
Total
Averages

FY 31 December 2012
As at December 31

Effective interest rate%

Interest income or
expense

311,825

6.38

15,199

51,968
29,157
60,792
2,871
456,613

1.79
3.89
3.38
3.56

824
688
1,804
327

347,156
33,887
10,714
13,510
6,150
411,417

1.78
2.03
3.29
4.46
6.54

5,946
861
389
562
401

FY 31 December 2013
As at December 31

Effective interest rate%

Interest income or
expense

2014

355,618

5.09

16,556

391,179

55,224
19,167
82,837
5,668
518,514
487,564
487,563,500.00

2.18
3.95
3.76
5.23

961
681
2,306
141

67,645
19,167
82,837
5,668
566,496
542,505

395,611
42,139
13,322
12,645
5,921
469,638

1.96
1.60
3.24
5.36
6.54

6,909
900
432
561
385

418,562
52,674
7,824
15,647
7,824
502,530
486,084

1.97%
0.0184860582

2015

2016

2017

430,297

473,327

520,660

75,631
19,167
82,837
5,668
613,600
590,048

85,845
19,167
82,837
5,668
666,843
640,221

109,938
19,167
82,837
5,668
738,269
702,556

438,903
65,842
8,606
17,212
8,606
539,169
520,850

459,127
82,303
9,467
18,933
9,467
579,296
559,233

489,420
102,879
10,413
20,826
10,413
633,951
606,624

Libor Rates as of 11/19/2014


This week
a month ago a year ago
Bond Buyer's 20 bond index
4.64
3.98
3.87
3.52
3.85
FNMA 30 yr Mtg Com del 60 days
3.61
1 Month LIBOR Rate
0.15
0.17
0.16
3 Month LIBOR Rate
0.23
0.24
0.23
6 Month LIBOR Rate
0.32
0.35
0.33
Call Money
2
2
2
1 Year LIBOR Rate
0.54
0.58
0.57

Property, Plant and Equipment


2009
Group

Properties

Cost
at January 1
Additions
Acquisition os subsidiaries
Disposals
Write-offs
Transfers
Reclassification to Prepaid Land Lease Payment
Reclassification to Investment Property
Reclassification to Intangible Assets
Exchange differences
at December 31

1,156,318
33,935
80,063
(10,199)
(27,781)
1,261
(4,877)
(1,572)
2,054
1,229,202

Accumulated depreciation and impairment losses


Balance at 1 July 2008
Accumulated depreciation
Accumulated impairment losses
Total
Charge for the year
Impairment losses
Disposals
Write-offs
Transfers
Reclassification to Prepaid Land Lease Payment
Exchange differences
balance at June 30

292,507
7,076
299,583
25,814
232
(3,192)
(9,779)
446
(783)
1,389
313,710

Analysed as:
Accumulated Depreciation
Accumulated impairment losses
Total

306,402
7,308
313,710

Net carrying amount


at June 30

915,492

2010
Group
Cost

Properties

at 1 July
Additions
Disposals
Write-offs
Transfers
Reclassification to Investment Property
Reclassification to Intangible Assets
Exchange differences
Balance at 30 June

1,229,202
1,188
(7,742)
(1,351)
(11,004)
(18,039)
1,192,254

Accumulated depreciation and impairment losses


Balance at 1 July 2009
Accumulated depreciation
Accumulated impairment losses
Total
Charge for the year
Disposals
Write-offs
Transfers
Exchange differences
balance at June 30

306,402
7,308
313,710
27,251
(2,665)
(408)
(6,955)
330,933

Analysed as:
Accumulated Depreciation
Accumulated impairment losses
Total

323,625
7,308
330,933

Net carrying amount


at June 30

861,321

2011
Group

Properties

Cost
at 1 July 2011
Acquisitions of subsidiaries
Additions
Disposals
Write-offs
Transfers
Reclassification to Intangible Assets
Exchange differences
at December 31

2,032,742
10,033
40,376
(2,278)
(3,335)
(2,704)
2,074,834

Accumulated depreciation and impairment losses


at January 1
Acquisition of subsiddiaries
Charge for the period
Impairment losses
Disposals
Write-offs
Transfers
Exchange differences
at December 31 2011

435,496
2,923
19,759
(454)
(1,292)
(389)
456,043

Analysed as:
Accumulated depreciation
Accumulated impairment losses
Total

448,716
7,327
456,043

Net carrying amount


at December 31

1,618,791

2012
Group

Properties

Cost
at 1 January 2012
as reported under FRS
effects of adoption of MFRS
effects of changes in accounting policies
at January 1 2012, under MFRS
Acquisitions of subsidiaries
Additions
Disposal of a subsidiary
Disposals
Write-offs
Reclassification of Assets
Reclassification to Intangible Assets
Transferred from investment properties
Exchange differences
at December 31
Accumulated depreciation and impairment losses
at 1 January 2012
as reported under FRS
effects of adoption of MFRS
at January 1 2012, under MFRS

2,074,834
58,989
2,133,823
35835
0
(5,176)
5,237
2,670
(2,812)
2,169,577

456,043
11922
467,965

Acquisition of subsidiaries
Charge for the year
Disposals of subsidiaries
Disposals
Write-offs
Reclassification of Assets
Reclassification to Intangible Assets
Transferred from investment properties
Exchange differences
at 31 December 2012

41,113
(1,623)
142
753
508,350

Analysed as:
Accumulated depreciation
Accumulated impairment losses
Total

501,023
7,327
508,350

Net carrying amount


at December 31

1,661,227

2013
Group

Properties

Cost
at January 1
Acquisitions of a subsidiary
Additions
Disposal of a subsidiary
Disposals
Write-offs
Transferred between category
Transferred from investment properties
Exchange differences
at December 31
Accumulated depreciation and impairment losses
at January 1
Acquisition of a subsidiary
Depreciation charge for the financial year
Impairment losses for the financial year
Disposal of a subsidiary
Disposals
Write-offs
Transferred between category
Exchange differences

2,169,577
19,957
(146)
(1,726)
(189)
3,257
1,750
2,192,480

508,350
42,479
222
(43)
(970)
(90)
599

at December 31

550,547

Analysed as:
Accumulated depreciation
Accumulated impairment losses
Total

542,998
7,549
550,547

Net carrying amount


at December 31

1,641,933

Office Furniture,
Fittings, Equipment
and Renovations

Computers and
Peripherals

Electrical and Security


Equipment

623,950
71,810
47,946
(14,719)
(57,622)
59,400
1,118
731,883

1,078,406
82,844
2,849
(3,508)
(6,691)
(2,818)
(6,120)
1,015
1,145,977

492,686
4
492,690
85,095
(13,116)
(57,369)
(509)
650
507,441

940,217
940,217
24,111
(3,499)
(6,684)
508
954,653

122,962
7,530
(1,832)
(3,730)
63
98
125,091

507,437
4
507,441

954,653
954,653

125,091
125,091

224,442

191,324

22,028

Office Furniture,
Fittings, Equipment
and Renovations

Computers and
Peripherals

145,358
5,008
(1,850)
(3,816)
2,292
127
147,119

122,962

Electrical and Security


Equipment

731,883
53,190
(7,383)
(38,836)
38,226
(24)
2,792
779,848

1,145,977
68,916
(12,627)
(2,956)
(1,531)
(26,266)
(4,220)
1,167,293

147,119
1,796
(3,140)
(451)
197
(504)
145,017

507,437
4
507,441
92,583
(7,337)
(36,972)
(112)
2,622
558,225

954,653
954,653
48,504
(12,624)
(2,955)
82
(2,406)
985,254

125,091
125,091
7,470
(3,140)
(448)
30
(255)
128,748

558,221
4
558,225

985,254
985,254

128,748
128,748

221,623

182,039

16,269

Office Furniture,
Fittings, Equipment
and Renovations

822,217
7,631
54,066
(9,618)
(26,825)
4,774
1,136
853,381

Computers and
Peripherals

1,373,209
4,109
172,618
(15,302)
(27,200)
1,240
(12,191)
459
1,496,942

Electrical and Security


Equipment

162,902
1
3,678
(2,827)
(42)
(34)
163,678

595,600
6,428
45,460
(7,888)
(26,605)
(1,053)
879
612,821

1,128,610
2,205
31,746
(15,048)
(26,839)
1,053
1,098
1,122,825

138,113
2,619
(2,506)
(33)
138,193

612,817
4
612,821

1,122,825
1,122,825

138,193
138,193

240,560

374,117

25,485

Office Furniture,
Fittings, Equipment
and Renovations

Computers and
Peripherals

Electrical and Security


Equipment

853,381
37,687
891,068
3,867
121,923
(1,246)
(83,400)
(70,453)
97,236
(20,282)
938,713

1,496,942
26,095
(217,796)
1,305,241
3,215
127,289
(3,072)
(102,436)
(58,724)
1,929
(3,642)
(12,241)
1,257,559

163,678
17,656
181,334
7,543
(13,304)
(1,005)
14,977
351
189,896

612,821
32,697
645,518

1,122,825
25,900
1,148,725

138,193
15,232
153,425

2,898
92,015
(1,164)
(81,543)
(70,272)
(1,161)
(10,583)
575,708

2,273
74,728
(2,055)
(102,355)
(58,709)
793
(3,642)
(8,735)
1,051,023

6,788
(12,603)
(974)
192
518
147,346

575,704
4
575,708

1,051,023
1,051,023

147,326
147,326

363,005

206,536

42,550

Office Furniture,
Fittings, Equipment
and Renovations

Computers and
Peripherals

Electrical and Security


Equipment

938,713
202
116,899
(2,690)
(8,124)
(28,290)
31,954
(26,990)
1,021,674

1,257,559
132
268,776
(1,170)
(5,963)
(525,299)
2,647
(20,488)
976,194

189,896
7,823
(1)
(4,325)
7,503
1,520
202,416

575,708
121
115,840
(2,261)
(7,354)
(28,043)
(111)
(19,364)

1,051,023
134
91,177
(1,371)
(5,785)
(525,072)
111
(13,951)

147,346
9,357
(1)
(4,304)
549

634,536

596,266

152,947

634,532
4
634,536

596,266
596,266

152,947
152,947

387,138

379,928

49,469

Motor Vehicles

17,328
5,382
6,591
(3,878)
(228)
93
25,288

Buildings-in-Progress

57,270
36,291
207
(131)
(60,135)
(3,033)
79
30,548

Total

3,078,630
235,270
137,656
(34,154)
(96,269)
(4,877)
(1,572)
(9,153)
4,486
3,310,017

12,345
12,345
3,617
(2,247)
(225)
70
13,560

1,860,717
7,080
1,867,797
146,167
232
(23,886)
(77,787)
(783)
2,715
1,914,455

13,560
13,560

1,907,143
7,312
1,914,455

11,728

Motor Vehicles

30,548

Buildings-in-Progress

1,395,562

Total

25,288
9,063
(5,163)
(99)
6
(134)
28,961

30,548
73,012
(36,898)
(2,375)
64,287

3,310,017
207,165
(36,055)
(43,693)
(11,028)
(28,641)
(20,105)
3,377,660

13,560
13,560
5,834
(4,455)
(63)
(228)
14,648

1,907,143
7,312
1,914,455
181,642
(30,221)
(40,846)
(7,222)
2,017,808

14,648
14,648

2,010,496
7,312
2,017,808

14,313

Motor Vehicles

45,039
4,016
6,538
(6,205)
(433)
342
49,297

64,287

Buildings-in-Progress

56,669
46,122
(665)
(5,972)
(3,058)
(37)
93,059

1,359,852

Total

4,492,778
25,790
323,398
(34,068)
(60,620)
(15,249)
(838)
4,731,191

25,973
1,880
4,779
(3,760)
(338)
241
28,775

2,323,792
13,436
104,363
(27,150)
(57,580)
1,796
2,358,657

28,775
28,775

2,351,326
7,331
2,358,657

20,522

Motor Vehicles

49,297
420
49,717
452
16,928
(107)
(9,467)
(1,918)
175
(1,641)
54,139

28,775
371
29,146

93,059

Buildings-in-Progress

93,059
8,020
101,079
130,117
(2,072)
(119,554)
(5,176)
(176)
104,218

2,372,534

Total

4,731,191
148,867
(217,796)
4,662,262
7,534
439,635
(4,425)
(215,855)
(132,100)
(8,818)
2,670
(36,801)
4,714,102

2,358,657
86,122
2,444,779

243
9,002
(50)
(6,744)
(1,918)
176
(1,001)
28,854

5,414
223,646
(3,269)
(204,868)
(131,873)
(3,642)
142
(19,048)
2,311,281

28,854
28,854

2,303,930
7,331
2,311,261

25,285

Motor Vehicles

54,139
168
8,851
(249)
(8,194)
(276)
(3,108)
51,331

28,854
65
9,839
(233)
(6,436)
(60)
(1,912)

104,218

Buildings-in-Progress

104,218
82,007
(373)
(45,361)
(6,000)
136
134,627

2,402,821

Total

4,714,102
502
504,313
(4,256)
(24,380)
(558,379)
(6,000)
(47,180)
4,578,722

2,311,281
320
268,692
222
(3,909)
(20,545)
(557,569)
(34,079)

30,117

1,964,413

30,177
30,177

1,956,920
7,553
1,964,473

21,214

134,627

2,614,309

Property, Plant and Equipment Useful Life


Buildings on freehold land
Buildings on leasehold land
Office furniture, fittings, equipment and renovations
Computers and peripherals
Electrical and security equipment
Motor vehicles

Intangible Assets
Computer Software
Core Deposit
Customer Relationship
Agency Force

Plant and Equipment Useful Life


50 years
50 years or remaining life of the lease, whichever is shorter
10& - 25%
14% - 25%
8% - 25%
20% - 25%

Intangible Assets
3 - 10 years
8 years
3 - 11 years
9 years

lower

4
4
4
4

higher

10
7
13
5

Malayan Banking Berhad

Depreciation Schedule

Properties
Office Furniture, Fittings, Equipment and Renovations
Computers and Peripherals
Electrical and Security Equipment
Motor Vehicles
Buildings-in-Progress
Gross PPE
Less: Accumulated Depreciation

weighted average life


Carrying Values
Properties
Office Furniture, Fittings, Equipment and Renovations
Computers and Peripherals
Electrical and Security Equipment
Motor Vehicles
Buildings-in-Progress
Total
Additional CAPEX
Total PPE

Useful
Life
10
10
7
13
5
10

2013 Gross Gross %


Estimated
Useful Life
Implied
Balance Breakdown Net Balance Estimated Remaining Ave. Age
2,192,480
47.88%
1,251,838
10
6
4
1,021,674
22.31%
583,344
10
6
4
976,194
21.32%
557,377
7
4
3
202,416
4.42%
115,573
13
7
5
51,331
1.12%
29,308
5
3
2
134,627
2.94%
76,868
10
6
4
4,578,722
100.00%
1,964,413
2,614,309
42.90%
9.45
2014
1,032,590
481,177
420,709
99,380
19,042
63,405
2,116,304
44,706
2,161,011

2015
851,742
396,903
317,553
85,456
12,372
52,300
1,716,326
84,119
1,800,445

2016
2017
702,567
579,519
327,389
270,050
239,690
180,918
73,482
63,186
8,038
5,223
43,140
35,585
1,394,307 1,134,481
118,238
147,064
1,512,545 1,281,545

Years
Depreciation of existing
Beginning balance
Depreciation
Ending balance

Depreciation of existing
Beginning balance
Depreciation
Ending balance

Depreciation of existing
Beginning balance
Depreciation
Ending balance

Depreciation of existing
Beginning balance
Depreciation
Ending balance

Depreciation of existing
Beginning balance
Depreciation
Ending balance

Depreciation of existing
Beginning balance
Depreciation
Ending balance

Total depreciation of existing assets


CAPEX requirement
2014
2015
2016
2017

50,000
50,000
50,000
50,000

Total Additional Depreciation


Consolidated Depreciation

2014

2015

2016

2017

1,251,838 1,032,590
851,742
702,567
(219,248) (180,849) (149,175) (123,048)
1,032,590
851,742 702,567 579,519

583,344
(102,167)
481,177

481,177
396,903
327,389
(84,274) (69,514) (57,339)
396,903 327,389 270,050

557,377
(136,667)
420,709

420,709
317,553
239,690
(103,157) (77,863) (58,771)
317,553 239,690 180,918

115,573
(16,193)
99,380

99,380
(13,924)
85,456

85,456
(11,973)
73,482

73,482
(10,296)
63,186

29,308
(10,266)
19,042

19,042
(6,670)
12,372

12,372
(4,334)
8,038

8,038
(2,816)
5,223

76,868
(13,463)
63,405

63,405
(11,105)
52,300

52,300
(9,160)
43,140

43,140
(7,556)
35,585

498,005

(5,294)

399,979

(5,294)
(5,294)

322,019

(5,294)
(5,294)
(5,294)

259,826

(5,294)
(5,294)
(5,294)
(5,294)

5,294

10,587

15,881

21,175

503,298

410,566

337,900

281,000

Intangible Assets
2009
Group
at 1 July 2008
Acquisition of Subsidiaries
Additions
Disposals
Write-offs
Reclassification from PPE
Impairment losses
Exchange Differrences
at 30 June

Goodwill
81,015
5,804,567
(1,619,518)
(302,854)
3,963,210

Accumulated amortisation
at 1 July 2009/2007
Amortisation charged
Disposals
Write-offs
Exchange differences
at 30 June
Net carrying amount

3,963,210

2010
Group
at July 1 2009
Acquisition of Subsidiaries
Additions
Disposals
Write-offs
Reclassification from PPE
Impairment losses
Exchange Differrences
at 30 June
Accumulated amortisation
at 1 July 2009/2007
Amortisation charged
Disposals
Write-offs
Exchange differences

Goodwill
5,582,728
(1,619,518)
191,275
4,154,485

at 30 June

Net carrying amount

4,154,485

2011
Group
at 1 July 2011
Acquisition of subsidiaries
Additions
write-offs
Reclassification from PPE
Goodwill written off
Exchange differences
at 31 December 2011

Goodwill
7,669,418
34,673
(15,708)
(37,464)
7,650,919

Accumulated Amortisation
at 1 July 2011
Amortisation charged
Write-offs
Charged to life, general and family takaful
Exchange differences
at 31 December 2011

Accumulated impairment loss


at 31 December 2011

1,619,518

Net carrying amount

6,031,401

2012
Group
at 1 January 2012
as reported under FRS
effects of adoption of MMFRS
effects of changes in accounting policies
at 1 January 2012, under MFRS
Acquisition of subsidiaries
Additions
Disposals
Disposal of subsidiaries
Write-offs

Goodwill

7,650,919
7,650,919
42,393
(6,615)
-

Transfers
Reclassification from PPE
Exchange differences
at 31 December 2012

(478,626)
7,208,071

Accumulated Amortisation
at 1 January 2012
as reported under FRS
effects of adoption of MFRS
at 1 January 2012, under MFRS
Amortisation charged for the year
Disposals
Write-offs
Reclassification from PPE
Exchange differences
at 31 December 2012

Accumulated impairment loss


at 31 December 2011

1,619,518

Net carrying amount

5,588,553

2013
Group
at January 2013
Acquisition of Subsidiaries
Additions
Disposals
Disposal of Subsidiaries
Write-offs
Transferred between category
Exchange differences
at 31 December 2013
Accumulated Amortisation
at 1 January 2013
Amortisation charge for the financial year
Disposals
Write-offs
Exchange differences
at 31 December 2013
Accumulated impairment losses
at 1 January 2013

Goodwill
7,208,071
20,162
(300)
(682,289)
6,545,644

1,619,518

Impairment losses for the financial year


Exchange differences
at 31 December 2013

1,422
42
1,620,982

Net carrying amount

4,924,662

Core Deposit
Intangibles

Customer
Relationship

Agency Force

388,024
(20,254)
367,770

71,737
1,403
73,140

294,630

Core Deposit
Intangibles

Customer
Relationship

Agency Force

367,770
12,792
380,562

73,140
93,037
2,256

168,433

212,129

Core Deposit
Intangibles

Customer
Relationship

Agency Force

375,232
(2,132)
373,100

220,246
22,801
(1,338)
241,709

82,742
82,742

9,848
(43)
9,805

131,391

Core Deposit
Intangibles

373,100
373,100
-

90,296
59,700
149,996

16,196
(71)
16,125

72,937

Agency Force

82,742
82,742
-

133,871

Customer
Relationship

149,996
149,996
(1,376)
-

(35,178)
337,922

82,742

1,399
150,019

241,709
241,709
38,869
(24,331)
256,247

9,805
9,805
14,493
406
24,704

16,125
16,125
28,144
720
44,989

81,675

Core Deposit
Intangibles

58,038

105,030

Customer
Relationship

Agency Force

337,922
(50,102)
287,820

82,742
82,742

150,019
2,218
152,237

256,247
28,368
(41,075)
243,540

24,704
11,067
1,256
37,027

44,989
24,308
2,414
71,711

44,280

45,715

80,526

Computer Software

Software-inDevelopment

Total

354,151
23,703
33,282
(386)
(187)
9,153
838
420,554

435,166
6,216,294
33,282
(386)
(187)
9,153
(1,619,518)
(322,270)
4,751,534

245,437
58,884
(46)
(187)
296
304,384

245,437
130,621
(46)
(187)
1,699
377,524

116,170

Computer Software

Software-inDevelopment

4,374,010

Total

420,554
28,942
(298)
(1,288)
28,641
(2,527)
474,024

6,371,052
28,942
(298)
(1,288)
28,641
(1,619,518)
201,540
5,009,071

304,384
58,742
(298)
(1,288)
(1,616)

377,524
151,779
(298)
(1,288)
640

359,924

528,357

114,100

4,480,714

Computer Software

Software-inDevelopment

Total

528,781
24,066
(19,582)
15,249
(3,785)
544,729

8,746,469
94,373
24,066
(19,582)
15,249
(15,708)
(43,381)
8,801,486

397,657
29,265
(19,582)
1,272
(2,232)
406,380

617,903
78,110
(19,582)
1,272
(3,684)
674,019

138,349

Computer Software

544,729
66,414
611,143
69,339
(46,393)
(2,392)

1,619,518

6,507,949

Software-inDevelopment

217,796
217,796
322,329
-

Total

8,801,486
66,414
217,796
9,085,696
42,393
391,668
(46,393)
(7,991)
(2,392)

186,118
8,818
(4,982)
821,651

(186,118)
136
354,143

406,380
44,106
450,486
64,715
(45,963)
(2,392)
3,642
7,266
477,754

343,897

Computer Software
821,651
67,119
(4,355)
(59,439)
179,093
(9,383)
994,686

477,754
142,740
(4,272)
(58,441)
(5,885)
551,896

354,143

Software-inDevelopment

8,818
(517,251)
8,954,548

674,019
44,106
718,125
146,221
(45,963)
(2,392)
3,642
(15,939)
803,694

1,619,518
6,531,336

Total

354,143
38
327,195
(9)
(179,093)
809
503,083

8,954,548
20,200
394,314
(4,355)
(300)
(59,448)
(738,747)
8,566,212

803,694
206,483
(4,272)
(58,441)
(43,290)
904,174

1,619,518

442,790

503,083

1,422
42
1,620,982
6,041,056

Malayan Banking Berhad

Depreciation Schedule

Goodwill
Core Deposit Intangibles
Agency Force
Customer Relationship
Computer Software
Software-in-Development
Total Gross Intangibles
Amortization
Net intangibles
% amortized
Carrying Values
Goodwill
Core Deposit Intangibles
Agency Force
Customer Relationship
Computer Software
Software-in-Development
Total

Estimated Gross
Gross %
Estimated
Life
Balance Breakdown Net Balance
N/A
6,545,644
N/A
N/A
8
287,820
14%
257,440
9
82,742
4%
74,008
11
152,237
8%
136,168
10
994,686
49%
889,696
10
503,083
25%
449,982
8,566,212
904,174
7,662,038
10.56%
2014
6,545,644
221,463
74,008
122,328
790,227
399,674
8,153,344

2015
6,545,644
190,513
64,815
109,895
701,879
354,990
7,967,736

Useful Life
Implied
Estimated Remaining Ave. Age
N/A
N/A
N/A
8
7
1
9
8
1
11
10
1
10
9
1
10
9
1

Amortization of existing
Beginning balance
Ending balance
Amortization of existing
Beginning balance
Ending balance
Amortization of existing
Beginning balance
Ending balance

2016
2017
6,545,644
6,545,644
163,889
140,985
56,763
49,712
98,726
88,692
623,409
553,711
315,302
280,051
7,803,732 7,658,795

Amortization of existing
Beginning balance
Ending balance
Amortization of existing
Beginning balance
Ending balance

Total amortization of existing asset

n of existing
eginning balance
Amortization
nding balance

Years
7

n of existing
eginning balance
Amortization
nding balance

n of existing
eginning balance
Amortization
nding balance

10

n of existing
eginning balance
Amortization
nding balance

n of existing
eginning balance
Amortization
nding balance

tization of existing assets

2014

2015

2016

257,440 221,463 190,513


(35,978) (30,950) (26,624)
221,463 190,513 163,889

74,008
(9,194)
64,815

64,815
(8,052)
56,763

56,763
(7,051)
49,712

136,168 122,328
(13,840) (12,433)
122,328 109,895

109,895
(11,169)
98,726

889,696 790,227 701,879


(99,469) (88,348) (78,471)
790,227 701,879 623,409

449,982 399,674 354,990


(50,308) (44,684) (39,688)
399,674 354,990 315,302
208,788 184,466 163,004

2017
163,889
(22,904)
140,985

49,712
(6,175)
43,537

98,726
(10,034)
88,692

623,409
(69,698)
553,711

315,302
(35,251)
280,051
144,062

Statutory Deposits with Central Banks


With Bank Negara Malaysia
With other banks
Total

2009
832,808
3,218,124
4,050,932

2010
676,053
3,795,329
4,471,382

2011
6,025,005
4,552,411
10,577,416

2012
7,109,205
5,189,157
12,298,362

2013
7,870,205
5,872,669
13,742,874

MALAYAN BANGKING BERHAD


KEY INTEREST BEARING ASSESTS AND LIABILITIES
(in billions and in malaysian ringgit)
VALUE ADDED
Net interest income
Income from islamic banking scheme operations
Net income/ loss from insurance/ takaful business
Non-interest income
Overhead expenses excluding personnel expenses,
depreciation, and amortization

FY 31 Dec 2012
9,296,685
2,196,259
(48,336)
5,328,710
(3,153,664)

Allowances for impairment losses on loans, advances,


financing net

(679,247)

Allowances for impairment losses on financial investments ,


net
Share of profits in associates and joint venture

(117,826)
152,476

Value added available for distribution


DISTRIBUTION OF VALUE ADDED
To employees
Personnel Expenses
To the government
Taxation
To providers of capital
Dividends paid to shareholders
Non-controlling interest
To reinvest to the group
Depreciation and Amortization
Retained profits
Value added available for distribution

12,975,057

4,708,888
1,977,618
3,944,958
172,764
369,867
1,800,962
12,975,057

FY 31 Dec 2013
9,585,280
2,810,182
260,836
5,882,062
(3,508,866)
(729,586)
(150,522)
139,267
14,288,653

4,943,884
2,098,261
4,365,481
218,942
475,175
2,186,910
14,288,653

MALAYAN BANGKING BERHAD


GROUP FINANCIAL QUARTERLY PERFORMANCE
(in millions and in malaysian ringgit)
Q1
Operating revenue
Net interest income(including income from Islamic
banking business)
Net (loss)/income from insurance /takaful business
Operating profit
Profit before income taxation and zakat
Profit attributable to equity holders of the bank
Earnings per share (sen)
Dividend per share (sen)

8,117
3,047
(78)
2,091
2,127
1,506
17.89

Q1
Operating revenue
Net interest income(including income from Islamic
banking business)
Net (loss)/income from insurance /takaful business
Operating profit
Profit before income taxation and zakat
Profit attributable to equity holders of the bank
Earnings per share (sen)
Dividend per share (sen)

7,782
2,759
(253)
1,860
1,895
1,347
17.62

Q2
8,589
3,048
(55)
2,047
2,089
1,568
18.25
22.50

Q2
7,846
2,874
21
1,979
2,026
1,438
18.64
32.00

FY 2013
Q3
8,276
3,127

Q4

209
2,308
2,352
1,746
20.07

FY 2012
Q3
7,796
2,931
(8)
1,989
2,025
1,501
19.13

8,269
3,173

YEAR
33,251
12,395

185
2,284
2,302
1,732
19.58
31.00

261
8,730
8,870
6,552
75.79
53.50

7,803
2,929

YEAR
31,227
11,493

Q4

192
1,916
1,950
1,460
17.30
33.00

(48)
7,744
7,896
5,746
72.69
65.00

MALAYAN BANGKING BERHAD


SEGMENTAL INFORMATION
(in billions and in malaysian ringgit)
ANALYSIS BY GEOGRAPHICAL LOCATION
NET INCOME

FY 31 December 2012
RM

Malaysia
Singapore
Indonesia
Other locations

10,868,696
2,463,826
2,526,750
914,046
16,773,318

PROFIT BEFORE TAXATION AND ZAKAT


Malaysia
Singapore
Indonesia
Other locations

ANALYSIS BY ACTIVITY
NET INCOME
Community Financial Services
Global banking
International banking
Insurance, takaful, and asset management
Head office and others

PROFIT BEFORE TAXATION AND ZAKAT


Community Financial Services
Global banking
International banking
Insurance, takaful, and asset management
Head office and others

5,510,254
1,139,771
554,199
692,078
7,896,302
FY 31 Dec 2012
6,870,524
5,291,516
5,137,066
1,402,501
(1,928,289)
16,773,318

3,024,238
3,809,147
2,293,605
697,601
(1,928,289)
7,896,302

31 December 2012
Composition

FY 31 December 2012
RM
Composition

64.8%
14.7%
15.1%
5.4%
100.0%

12,162,821
2,732,243
2,511,268
1,132,028
18,538,360

65.6%
14.7%
13.5%
6.1%
100.0%

69.8%
14.4%
7.0%
8.8%
100.0%

6,179,546
1,251,904
658,575
779,569
8,869,594

69.7%
14.1%
7.4%
8.8%
100.0%

FY 31 Dec 2013
7,318,023
5,502,215
5,330,225
1,551,759
(1,163,826)
18,538,396

3,224,468
3,472,527
2,536,707
799,754
(1,163,826)
8,869,630