special briefing to lembaga tabung haji

Transcription

SPECIAL BRIEFING TO LEMBAGA TABUNG HAJI 9 July 2012
Strictly Private & Confidential
PRESENTATION OUTLINE
Strategic Planning, Managing Director’s Office
CORPORATE STRUCTURE
NEW ORGANIZATION CHART
…part of succession planning and to facilitate cross-selling
SENIOR MANAGEMENT
KEY APPOINTMENTS
9 Appointment of En. Khairul Kamarudin as Director – Business Development
9 Appointment of En. David Leong Sze Khong as the new Chief Internal
Auditor
9 Appointment of En. Wahid Ali Mohd Khalil as the Chief Compliance Officer
9
Re-designation of En. Jaafar Abu as Head, Transactional Service
9 Appointment of En. Mujibburahman Abd Rahman as Acting Head of
Consumer Banking
9
Appointment of En. Mohamed Iran Moriff Mohd Shariff as the Deputy Chief
Internal Auditor
BRANCH NETWORK
1
10
5
11
5
9
22
17
6
5
9
5
4
14
Bank Islam commenced its first year of operations
with 4 branches (Kuala Lumpur, Kuala
Terenggannu, Kota Bharu and Alor Setar). To date,
Bank Islam has 123 branches nationwide and
targets to expand its branch network to 150 by 2015.
SELF-SERVICE TERMINALS
ATM – 8
CDM – 4
CQM – 1
SP - 1
ATM – 32
CDM – 16
CQM –7
SP - 5
ATM – 48
CDM – 17
CQM – 10
SP - 7
ATM -142
CDM – 50
CQM – 25
SP – 10
ATM – 74
CDM- 34
CQM – 14
SP - 7
ATM – 49
CDM –27
CQM – 10
SP - 4
ATM – Automated Teller Machine
CDM – Cash Deposit Machine
CQM – Cheque Deposit Machine
SP – Statement Printer
ATM – 58
CDM – 33
CQM – 10
SP – 4
ATM – 37
CDM – 20
CQM – 6
SP - 2
ATM – 31
CDM – 14
CQM – 6
SP -2
ATM – 39
CDM – 16
CQM – 6
SP - 1
ATM – 30
CDM –12
CQM – 2
SP - 1
CDM – 11
CQM – 6
SP -1
By Type
Branches
IPTA/IPTS
ATM – 57
CDM – 27
CQM – 13
SP -4
… focus on Electronic Banking Centre, spoke and
ATM – 30
Shopping Centres
ATM – 31
CDM – 16
CQM – 7
SP -4
ATM CDM CQM SP TOTAL
265 197 103 44 609
111 17
4 5 137
92
10
2
Corporate Offices 57 21
9
Others
54 21
4
TH Branches
30 29
0
Petrol Stations
37
2
0
Hospitals
20
0
1
TOTAL
666
298
123
hub model
2
106
1 88
1 80
0 59
0 39
0 21
53 1,140
AR RAHNU OUTLETS
Kota Bharu Outlet
Pasir Puteh Outlet
ISLAMIC BANKING LANDSCAPE
…rated 4th Strongest Bank in Malaysia
…ranked 53 – Asia Pacific 500 Strongest Bank by The Asian Banker
…24th largest Islamic financial institutions in the world
DIVERSITY OF PLAYERS : MALAYSIA’S ISLAMIC BANKING
LANDSCAPE
STAND-ALONE
SUBSIDIARIES OF CONVENTIONAL BANKS
ISLAMIC WINDOWS & DFIs
INTERNATIONAL ISLAMIC BANKS
16 commercial
Islamic Banks, 6
FB windows, 6
DFIs & 4 IIBs.
MALAYSIA - ISLAMIC FINANCIAL SYSTEM AS AT DEC 2011
Assets
9 22.4% of total banking system
9 Total IB asset : RM434.9 bil
Financing
9 Market share – 24.3%
9 Total financings: RM268.3 bil
…expected to grow
to account for 25%
in 2012
Deposits
9 Market share – 24.4%
9 Total deposits : RM340.2 bil
GLOBAL SUKUK MARKET SHARE AS AT END OF DEC 2011
Total global
outstanding Sukuk was
worth about US$180 bil
About 60% of the
global outstanding
Sukuk
or US$108 bil were
originated from
Malaysia
… continues to be the world largest Sukuk market Strategic Planning, Managing Director’s Office
BANK ISLAM’S MARKET POSITION
TOTAL ASSETS : MARKET SHARE AS AT DEC 2011
17.0%
11.0%
RM74.0b
RM47.9b
7.4%
RM32.2b
6.7%
RM29.4b
Islamic Banking Assets – RM434.9 billion
5.1%
RM22.4b
NET FINANCING : MARKET SHARE AS AT DEC 2011
18.6%
10.9%
RM49.9b
RM29.5b
7.1%
RM19.2b
5.7%
RM15.3b
Islamic Banking Net Financing – RM268.3 billion
5.2%
RM14.1b
GROSS FINANCING GROWTH & MARKET SHARE
Gross Financing Growth vs Industry
Gross Financing and Market Share
25.30%
23.58%
20.08%
19.87%
RM million
10.5%
8.7%
7.6%
12.73%
7.84%
9.69%
5.23%
1.6%
2.77%
Dec 2008
Dec 2009
Bank Islam
11,672.5
13.61%
11,358.2
12.78%
Dec 2010
Islamic Banking System
Growth
%
Dec 2011
Dec 2008
1.4%
1.5%
Dec 2009
Bank Islam
Banking System
Dec 2010
1.5%
Dec 2011
Banking System
Gross Financing Growth vs Competitors
50
Bank Islam
38.9
40
Maybank Group
Maybank Islamic
30
24.6
20
10
7.3%
12,283.2
18.57%
14,563.8
%
12.1
23.7
13.8
13.7
5.2
16.2
9.2
8.2
Public Bank Group
25.8
26.0
18.6
13.5
Public Islamic Bank
17.6
17.5
11.6
CIMB Bank Group
CIMB Islamic
6.2
AmBank Group
Amlslamic
0
Dec 2010
Dec 2011
HOUSEHOLD FINANCING GROWTH & MARKET SHARE
Household Financing and Market Share
Household Financing Growth vs Industry
%
25.03%
26.93%
RM million
11.0%
23.83%
17.85%
14.57%
11.65%
12.90%
7,733.7
6,940.6
13.51%
9.73%
7.23%
Dec 2008
Dec 2009
Bank Islam
Growth
80 %
Dec 2010
Dec 2011
Banking System
Dec 2008
Dec 2009
Bank Islam
2.0%
1.9%
1.8%
1.8%
Dec 2010
Dec 2011
Banking System
Household Financing Growth vs Competitors
67.8
Bank Islam
Maybank Group
60
Maybank Islamic
41.9
40
20
8.8%
9,307.9
20.36%
9.72%
10,969.1
9.3%
9.6%
Public Bank Group
30.4
20.4
17.9 21.7 20.7 14.2 17.9 15.4
14.9
12.5 13.98.8
1.7
0
Dec 2010
Public Islamic Bank
CIMB Bank Group
CIMB Islamic
AmBank Group
-6.1 -3.4
-20
12.7
Amlslamic
Dec 2011
DEPOSITS : MARKET SHARE AS AT DEC 2011
17.3%
9.2%
RM58.7b
RM31.6b
8.3%
RM28.3b
5.8%
4.9%
RM20.0b
RM17.0b
Islamic Banking Deposits – RM340.2 billion
CASA : MARKET SHARE AS AT DEC 2011
25.0%
18.4%
RM16.7b
RM12.3b
11.1%
10.0%
RM7.4b
RM6.7b
Islamic Banking CASA Deposits – RM66.7billion
5.2%
RM3.5b
DEPOSITS FROM CUSTOMERS: GROWTH & MARKET SHARE
Deposits from Customers Growth vs Industry
%
Deposits from Customers and Market Share
26.78%
RM million
22.56%
22.07%
12.39%
12.35%
13.54%
10.64%
14.18%
26,888.3
14.89%
11.33%
11.90%
20,945.8
7.06%
10.10%
28,304.9
23,319.0
15.31%
9.33%
5.27%
Dec 2008
Dec 2009
Bank Islam
Dec 2010
Growth
%
Dec 2011
Dec 2008
Dec 2009
Bank Islam
Banking System
2.36%
2.19%
2.15%
Dec 2010
2.18%
Dec 2011
Banking System
Deposits from Customers Growth vs Competitors
50
Bank Islam
38.9
40
Maybank Group
Maybank Islamic
30
20
23.7 26.0
24.6
15.3 12.1
13.8 13.7
10
16.2
9.2
25.8
13.5
Public Bank Group
17.6
17.5
8.2
CIMB Bank Group
11.6
6.2
5.3
MBB MBB I PBB PBB I
Group
Group
CIMB CIMB I AmB AmB I
Group
Group
Dec 2010
BIMB
CIMB Islamic
AmBank Group
0
BIMB
Public Islamic Bank
MBB MBB I PBB PBB I
Group
Group
CIMB CIMB I AmB AmB I
Group
Group
Dec 2011
Amlslamic
PEER ANALYSIS : DEPOSIT COMPOSITIONS
ITEMS
MBB
Islamic
Dec ‘11
CIMB
Islamic
Dec ‘11
Bank Islam
Dec ‘11
PBB
Islamic
Dec ‘11
RHB Islamic
Dec ‘11
AM Islamic
Dec ‘11
HL Islamic
Dec ‘11
CASA
28.20%
23.45%
43.40%
33.46%
15.79%
21.95%
25.41%
Mudharabah
42.62%
43.91%
40.84%
48.46%
68.39%
77.40%
62.37%
MBB
Islamic
Dec ‘11
CIMB
Islamic
Dec ‘11
Bank Islam
Dec ‘11
PBB
Islamic
Dec ‘11
RHB Islamic
Dec ‘11
AM Islamic
Dec ‘11
HL Islamic
Dec ‘11
Individuals
25.63%
15.98%
16.78%
23.76%
6.87%
19.20%
17.28%
Business
47.54%
53.34%
49.89%
23.14%
41.61%
51.06%
65.57%
Government
12.53%
17.28%
27.45%
5.23%
31.28%
23.87%
7.78
ITEMS
“BUILDING STRENGTHS TO STRENGTHS”
BLOOMBERG CAPITAL MARKET RATING
Category
Rank
2011
2010
ASEAN Domestic Bonds
14
46
Malaysia Domestic Bonds
6
17
Malaysia Ringgit Domestic Bonds
6
12
Malaysia Domestic Equity Offerings (IPOs)
14
Malaysia Domestic Equity Offerings
16
Malaysia Equity & Rights Offerings
16
TO-DATE
9 Malaysia’s Pioneer Islamic Bank – 1983
9 3rd largest Islamic bank in Malaysia
¾ Total Assets of about RM32 billion
9 Total customer base of more than 3.5 mil.
9 Best Islamic Bank in Malaysia 2011 – IFN Award
9 Rated A1/P1 with stable outlook by Rating Agency Malaysia
9 Rated 4th Strongest Bank in Malaysia by The Asian Banker (Part of Financial
Times Group)
9 Ranked 53rd – Asia Pacific 500 Strongest Bank by The Asian Banker
9 Ranked 24th Largest Islamic Financial Institutions in the world by The Banker
9 As at March 2012, net tangible asset per share : RM1.26
CORPORATE ACHIEVEMENTS
KEY FINANCIAL INDICATORS
Audited
FY
June 07
Audited
FY
June 08
Audited
FY
June 09
Actual
FYE Dec
2010 ^
(12 months)
Audited
FY
Dec 11 ^
Actual
Q1
Mar 12
Return on equity (%) – based on PBT
23.3%
26.5%
16.5%
14.4%
18.5%
17.6%
@
13.7%
Return on equity (%) – based on PAT
22.9%
33.1%
11.4%
12.4%
14.1%
12.1%
@
N/A
Return on assets (%) – based on PBT
1.4%
1.5%
0.9%
1.2%
1.6%
1.6%
@
1.0%
Return on assets (%) – based on PAT
1.4%
1.8%
0.6%
1.0%
1.2%
1.1%
@
N/A
68.2%
60.8%
56.7%
55.4%
53.8%
52.2%
45.0%
*
46.0%
*
9.0%
7.8%
10.3%
10.8%
13.8%
13.8%
9.4%
*
20.4%
*
Gross Non-Performing/
Impaired Financing Ratio (%)
24.7%
21.2%
16.4%
4.5%
2.6%
2.3%
2.4%
#
2.5%
#
Net Non-Performing/Impaired
Financing Ratio - Less IA & CA (%)
11.4%
7.8%
6.7%
1.1%
-0.2%
-0.4%
-0.1%
#
0.2%
#
Financing Loss Coverage Ratio (%)
67.7%
75.8%
80.8%
77.2%
106.2%
117.6%
104.9%
#
92.0%
#
75.8%
#
76.7%
#
Islamic
Banking
System
Banking
System
PROFITABILITY
Cost Income Ratio (%)
Non-Fund Based Income Ratio (%)
*
17.4%
*
N/A
*
1.6%
*
N/A
ASSET QUALITY
^
Restated arising from change in accounting policy on the determination of collective assessment allowance under MFRS 139
*
Bank Negara Malaysia Annual Report 2011
EFFICIENCY
@ Annualised
# Bank Negara
Malaysia
@ March52.0%
12
Financing
to Deposits
(%)Monthly Statistical Bulletin
57.6%
CAPITALISATION
Strategic
Planning, Managing Director’s Office
43.5%
45.7%
51.5%
58.6%
INCOME STATEMENT
12 months ended
RM million
Dec 2010*
3 months ended
Dec 2011*
Mar 2012
Mar 2011*
Total income
1,497.6
1,656.2
453.8
397.9
Profit to depositors
(441.9)
(477.4)
(133.6)
(122.2)
Net income
1,055.7
1,178.8
320.2
275.7
Total expenses
(605.7)
(634.0)
(167.1)
(151.1)
Profit before allowance for
impairment
450.0
544.8
153.1
124.6
Profit before zakat and tax
342.5
493.0
129.4
113.5
Profit after zakat and tax
293.0
376.4
88.8
78.4
* Restated arising from change in accounting policy on the determination of collective assessment
allowance under MFRS 139
KEY BALANCE SHEET ITEMS
RM million
Mar 2012
Dec 2011*
Dec 2010*
Growth
Amount
%
Total Assets
31,247.4
32,226.5
30,397.9
1,828.6
6.0%
Net financing, advances and others
14,913.8
14,160.3
11,857.1
2,303.2
19.4%
Gross impaired financing
351.3
379.8
552.2
(172.4)
-31.2%
Net impaired financing
(61.9)
(23.7)
126.1
(149.8)
-118.8%
Deposits from customers
26,157.4
28,304.9
26,888.3
1,416.6
5.3%
2,862.1
2,801.0
2,525.4
275.6
10.9%
Equity
* Restated arising from change in accounting policy on the determination of collective assessment
allowance under MFRS 139
NET INCOME SPREAD AS AT DEC 2011
5.58%
6.00%
5.00%
4.00%
4.78%
4.75%
4.69%
4.80%
4.84%
5.70%
4.61%
4.57%
4.43%
4.39%
4.18%
4.22%
3.68%
3.52%
3.05%
2.38% 2.47% 2.61%
2.97%
2.45%
2.35%
2.97%
2.52%
2.24% 2.40%
2.19%
2.51%
3.00%
2.00%
2.73%
1.70%
2.40% 2.22%
2.19%
1.87%
2.06%
2.16%
2.22%
2.19%
1.78%
2.03% 1.17%
1.87%
1.00%
0.00%
Bank
Islam
Public
Bank
Group
CIMB
Bank
Group
RHB
Bank
Group
Affin
Bank
Group
AmBank
Group
Average assets rate
Alliance
Bank
Group
Bank
Muamalat
Maybank
Group
H L Bank
Group
Average deposits rate
HSBC
Bank
Group
S C Bank
Group
KFH
Al Rajhi
Bank
Net income spread
The above rates are computed based on two point average
as at 31 Dec 2011
as at 30 Sept 2011
Public
Alliance
Bank CIMB Bank RHB Bank Affin Bank AmBank Bank
Bank Maybank H L Bank
Bank Islam Group
Group
Group
Group
Group
Group Muamalat Group
Group
RM'M
RM'M
RM'M
RM'M
RM'M
RM'M
RM'M
RM'M
RM'M
RM'M
HSBC
Bank
Group
S C Bank
Group
KFH
AlRajhi
RM'M
RM'M
RM'M
RM'M
Gross Financing
14,564
177,694
143,770
97,554
30,312
74,334
24,162
8,439
281,413
86,914
40,108
31,288
5,911
4,115
Investment & Placements
15,916
53,639
67,070
42,124
17,563
23,534
13,183
8,579
123,593
58,851
28,310
14,748
4,659
1,509
Total Earnings Assets
30,480
231,333
210,840
139,678
47,875
97,868
37,345
17,018
405,006
145,765
68,418
46,036
10,570
5,624
TOTAL REVENUE
1,800.0 1,656.2 1,600.0 1,497.6 1,400.0 1,267.1 1,152.0 RM million
1,200.0 1,000.0 949.5 …grew by 10.6%
1,010.5 800.0 600.0 400.0 200.0 ‐
June‐06
June‐07
June‐08
June‐09
Dec‐10 (12 months)
Dec‐11
PROFIT BEFORE PROVISIONS – OPERATING PROFITS
600.0 544.8 500.0 450.0 RM million
400.0 359.2 …grew by 21%
300.0 226.3 202.9 218.6 280.2 200.0 100.0 ‐
June‐05
June‐06
June‐07
June‐08
June‐09
Dec‐10 (12 months)
Dec‐11
PROFIT BEFORE ZAKAT & TAX
Profit before Zakat and Tax for
12 months to Dec 2010
= RM 342.5 m
503.4 236.7 RM Million
600 308.3 … to grow by 8%
493.0 233.1 129.4 300 ‐
(300)
June 06
June 07
June 08
June 09
Dec 10 *
Dec 11
Mar 12
(600)
(900)
…March 2012 : RM129.4 mil
(1,200)
(1,500)
(1,288.3)
* 18 months Financial Period Ended Dec 2010
ROBUST FINANCING GROWTH
Y-o-Y ↑ RM2.5b
Growth
+ 20.0%
Growth
+ 5.3%
CONSUMER BANKING PORTFOLIO
PROFILE OF CONSUMER PORTFOLIO
CONSUMER BANKING PORTFOLIO
HFA
Personal Financing
5,500 5,000 5,000 4,000 3,000 4,500 4,000 4,770 4,947 2,000 1,000 4,215 3,500 2,968 Dec 11
Dec 10
Mar 12
Vehicle Financing
Dec 11
Mar 12
BICC
2,500 455 2,000 450 1,500 500 4,044 ‐
Dec 10
1,000 3,767 1,694 2,010 2,094 445 454 447 446 440 ‐
Dec 10
Dec 11
Mar 12
Dec 10
Dec 11
… total gross financing of RM11,530 billion, remains as key driver of growth
Dec 12
CONSUMER BANKING PORTFOLIO – TARGET MARKET
Oil & Gas
Bankers
Accountant
s
Mass Affluent
PACKAGE EMPLOYERS – GOVERNMENT & ITS AGENCIES (EXGLCs)
48 % of Total Personal Financing Portfolio
PACKAGE EMPLOYERS – GLCs
26% of Total Personal Financing Portfolio
ASSET QUALITY
RM million
Gross Impaired Financing
Gross Financing
Dec 10*
Mar 11*
June 11*
Dec 11*
Mar 12
552
12,283
551
12,855
556
13,253
380
14,564
351
15,327
Individual Assessment
Collective Assessment
79
347
88
342
79
349
76
328
72
341
Net Impaired Financing
126
121
128
(24)
(62)
4.50%
1.06%
4.29%
0.98%
4.19%
0.99%
2.61%
-0.17%
2.29%
-0.42%
Gross Impaired Financing Ratio
Net Impaired Financing Ratio
* Restated arising from change in accounting policy on the determination of collective assessment allowance under MFRS 139
CREDIT QUALITY – FINANCING
RM million
Dec 10
Neither past due nor impaired
13,865
14,652
Past due but not impaired
396
319
324
Impaired
552
380
351
12,283
14,564
15,327
Dec 2011
RM million
Neither
past due
nor
impaired
11,335
92.3%
Mar 12
11,335
Gross financing
Dec 2010
RM million
Dec 11
Neither
past due
nor
impaired
13,865
95.2%
Past due
but not
impaired
396
3.2%
Impaired
552
4.5%
Past due
but not
impaired
319
2.2%
Mar 2012
RM million
Impaired
380
2.6%
Neither
past due
nor
impaired
14,652
95.6%
Past due
but not
impaired
324
2.1%
Impaired
351
2.3%
ASSET QUALITY TREND – HFA MONTH-ON-BOOK ANALYSIS
Performance of Delinquency [>90 days past due (dpd)] by No of Accounts After A Year of Release
HFA
Ratio of 90 dpd by
Facility Released
Jun-07
Jun-06
1.94%
Jun-07
Jun-08
Jun-08
Jun-09
Jun-10
Jun-11
Mar-12
1.51%
1.00%
0.66%
Jun-09
Jun-10
0.00%
Apr-11
11 mths
0.00%
May-11
10 mths
0.00%
Jun-11
9 mths
0.23%
July-11
8 mths
0.23%
Aug-11
7 mths
0.00%
Sep-11
6 mths
0.00%
Oct-11
5 mths
0.00%
Nov-11
4 mths
0.00%
Dec-11
3 mths
0.53%
ASSET QUALITY TREND – PERSONAL FINANCING MONTH-ON-BOOK
ANALYSIS
Personal Financing
Ratio of 90 dpd by
Facility Released
Jun-07
Jun-06
0.46%
Jun-07
Jun-08
Jun-08
Jun-09
Jun-10
Jun-11
Mar-12
0.82%
0.73%
0.97%
Jun-09
Jun-10
0.61%
Apr-11
11 mths
0.37%
May-11
10 mths
0.19%
Jun-11
9 mths
0.25%
July-11
8 mths
0.27%
Aug-11
7 mths
0.41%
Sep-11
6 mths
0.36%
Oct-11
5 mths
0.15%
Nov-11
4 mths
0.00%
Dec-11
3 mths
0.00%
Asset Quality Trend – Vehicle Financing Month-on-Book Analysis
PPA
Facility Released
Jun‐06
Jun‐07
Jun‐08
Jun‐09
Jun‐10
Jun‐07
4.13%
Jun‐08
Ratio of 90 dpd by Jun‐09
Jun‐10
Jun‐11
Mar‐12
n/a*
0.26%
0.00%
0.00%
Apr‐11
11 mths
0.25%
May‐11
10 mths
Jun‐11
9 mths
0.27%
0.23%
July‐11
8 mths
0.14%
Aug‐11
7 mths
0.18%
Sep‐11
6 mths
0.11%
Oct‐11
5 mths
0.00%
Nov‐11
4 mths
0.00%
Dec‐11
3 mths
0.00%
SECURED & UNSECURED FINANCING
Mar-12
Dec-11
Dec-10
Secured
RM Million
CONSUMER BANKING
HFA
Secured Unsecured
Grand
Total Secured Unsecured
Grand
Total Secured Unsecured
Grand
Total Amount
Increase/Decrease
Dec-11 vs Dec-10
Unsecured
Grand Total
%
Amount
%
4,884
26
4,910
4,712
18
4,730
4,168
12
4,180
544 13.0%
6 53.4%
32
2
4,918
4,091
2,112
443
2
6,674
4,123
2,112
443
4
11,592
31
2
4,745
3,810
2,028
452
2
6,310
3,841
2,028
452
4
11,055
39
2
4,209
2,977
1,711
447
5,147
3,016
1,711
447
2
9,356
-8 -19.3%
- 0.0%
- 0.0%
0 -8.7%
536 12.7%
833 28.0%
317 18.5%
5 1.0%
2 0.0%
1,163 22.6%
1,029
302
1,331
978
246
1,224
582
225
807
396 68.1%
Grand Total
7
1,037
5,955
575
877
7,551
582
1,914
13,506
12
991
5,736
575
821
7,131
588
1,812
12,867
39
621
4,829
651
876
6,024
690
1,497
10,853
-27 -68.4%
370 59.5%
907 18.8%
Percentage
44%
56%
100%
45%
55%
100%
44%
56%
100%
Personal Financing
Vehicle
Credit Card
Others
COMMERCIAL BANKING
Financing
Trade Financing
Mar-12
Dec-11
Dec-10
Secured
RM Million
CORPORATE BANKING
Financing
Trade Financing
Secured Unsecured
276
276
656
775
1,431
Grand
Grand
Grand
Total Secured Unsecured Total Secured Unsecured Total
932
775
1,707
* Figures are as per RDW. Only domestic.
259
259
607
635
1,242
866
635
1,501
199
199
653
360
1,013
852
360
1,212
Amount
21
Amount
%
550 13.2%
825
317
5
2
1,699
27.4%
18.5%
1.0%
81.7%
18.2%
9.2%
417 51.7%
-76 -11.6%
-55 -6.2%
1,107 18.4%
-102 -14.8%
315 21.0%
2,014 18.6%
Increase/Decrease
Dec-11 vs Dec-10
Unsecured
Grand Total
%
60 30.0%
60 30.0%
Amount
%
-46 -7.0%
275 76.0%
229 23.0%
Amount
%
14 1.6%
275 76.4%
289 23.8%
FINANCING – FIXED VS FLOATING
Financing TOS
Consumer
HFA
Personal
Vehicle
BICC
%
Commercial
Term
Trade
31-Mar-12
Fixed Floating Total
RM'm
RM'm
RM'm
2,346
3,788
2,094
446
8,674
75%
2,600
4,946
256
4,044
2,094
446
2,856 11,530
25%
100%
31-Dec-11
RM'm
RM'm
RM'm
2,396
3,767
2,010
454
8,627
78%
%
284
284
15%
1,048
582
1,630
85%
1,332
582
1,914
100%
Corporate
Term
Trade
34
-
898
775
1,673
98%
932
775
1,707
100%
95
28
123
70%
148
28
176
100%
58
23%
6,282 15,327
41%
100%
9,022
62%
34
2%
%
BILOB
Term
Trade
-
%
53
30%
Total
%
53
9,045
59%
2,373
4,769
3,767
2,010
454
2,373 11,000
22%
100%
31-Dec-10
RM'm
RM'm
RM'm
Growth
31 Dec 11 vs 31 Dec-10
RM'm
RM'm
RM'm
2,413
2,968
1,694
447
7,522
81%
1,802
1,802
19%
4,215
2,968
1,694
447
9,324
100%
(17)
799
316
7
1,105
15%
571
571
32%
554
799
316
7
1,676
18%
293
293
16%
931
589
1,520
84%
1,224
589
1,813
100%
430
430
29%
380
691
1,071
71%
810
691
1,501
100%
(137)
(137)
-32%
551
(102)
449
42%
414
(102)
312
21%
44
822
635
1,457
97%
866
635
1,501
100%
417
417
34%
435
360
795
66%
852
360
1,212
100%
(373)
(373)
-89%
387
275
662
83%
14
275
289
24%
98
94
192
77%
156
94
250
100%
64
177
69
246
100%
(6)
64
26%
113
69
182
74%
(6)
-9%
(15)
25
10
5%
(21)
25
4
2%
5,542 14,564
38%
100%
8,433
69%
589
7%
1,692
44%
2,281
19%
44
3%
58
-
-
3,850 12,283
31%
100%
-
CUSTOMER DEPOSITS
Y-o-Y ↑ RM1.6b
Growth
+ 6.4%
Decrease
- 7.6%
of which
Al-Awfar
836
3.2%
of which
Al-Awfar
112
0.4%
of which
Al-Awfar
703
2.5%
of which
Al-Awfar
124
0.5%
CUSTOMER DEPOSITS ‐ CASA
RM million
Dec 2010
Dec 2011
Mar 2012
Islamic Banking
Industry as at
Mar 2012
Total CASA
10,664
12,283
12,261.9
69,789.6
% of Total Deposits
39.7%
43.4%
46.9%
25.4%
CORPORATE DIRECTION 2012
CORPORATE DIRECTION 2012
BUSINESS DIRECTION 2012
SERVICE DIFFERENTATION TO DRIVE GROWTH
CORPORATE INVESTMENT BANKING
USD150.0 million
Sukuk Al Ijarah
RM1.0 billion
Istisna’
RM1.5 billion
Al-Ijarah Muntahiyah
Bit-Tamlik
First Global Sukuk Inc
Sole Lead Arranger
Projek Usahasama
Transit Aliran Ringan
Joint Arranger & Shariah
Advisor
Kumpulan Guthrie
Berhad
Structuring & Shariah
Advisor
RM1.28 billion
BaIDS
RM752.2 million
Mudharabah Sukuk
RM200.0 million BBA CPs
RM3.0 billion BBA MTNs
Manfaat Tetap Sdn Bhd
Shariah Advisor
Syarikat Bekalan Air
Selangor Sdn Bhd
Joint Lead Arranger &
Shariah Advisor
SAJ Holdings Sdn Bhd
Joint Lead
Arranger/Lead
Manager & Shariah
Advisor
Stakeholders‘ Relation, Managing Director’s Office
USD600.0 million
Sukuk Al Ijarah
RM2.2 billion
BaIDS
Malaysia Global Sukuk
Inc
Co-Arranger
KL International Airport
Berhad
Sole Lead Arranger
RM1.5 billion
Islamic Medium Term
Notes Programme
RM200.0 million
Bai’ Murabahah Medium
Term Notes Programme
Malaysia Debt Ventures
Berhad
Joint Lead Manager
TH Plantations Berhad
Shariah Advisor
CORPORATE INVESTMENT BANKING..cont
RM4.0 billion
Ijarah Medium Term
Notes Programme
RM4.0 billion
Sukuk Musyarakah
RM500.0 million
Bank Guaranteed
Sukuk Ijarah
RM667.5 million
Syndicated Project
Financing Facilities
RM327.0 million
Syndicated Islamic
Financing Facility
Syarikat Prasarana
Negara Berhad
Co-Manager
Plus SPV Berhad
Joint Book Runner
Aras Sejagat Sdn Bhd
Joint Lead Manager
Ranhill Powertron II Sdn
Bhd
Senior Manager
Prolintas Expressway Sdn
Bhd
Lead Arranger
USD150.0 million*
Syndicated Islamic
Financing Facility
RM330.0 million
Syndicated Islamic
Financing Facility
RM800.0.0 million
Syndicated Islamic
Financing Facilities
RM10.0 billion
Islamic Medium Term
Notes
Programme
RM5.0 billion**
Islamic Securities
Programme
Qatar Airways Q.C.S.C
Arranger
Kedah Sato Sdn Bhd
Lead Arranger
Aura Bayu Sdn Bhd
Senior Manager
* Ijarah Deal of the Year 2009 – Islamic Finance News
* Qatar Deal of the Year 2009 – Islamic Finance News
* Best Islamic Structured Financing – The Asset Triple A Islamic Finance Awards 2010
Aman Sukuk Berhad
Joint Lead Manager &
Shariah Adviser
Manjung Island Energy
Berhad
Joint Principal Adviser/
Lead Arranger/ Lead
Manager/ Shariah
Adviser
** Ijarah Deal of the Year 2011 – Islamic Finance News
** Asia Pacific Bond Deal of the Year – Project Finance
International
** RAM Blueprint Award 2011
CORPORATE FINANCE
Akarmas Sdn Bhd
Focus Lumber Berhad
Listing of Focus
Lumber Berhad
on the Main
Market of Bursa
Malaysia
Securities Berhad
Lembaga Tabung Haji
APFT Berhad
Listing of APFT Berhad
on the Main Market
of Bursa Malaysia
Securities Berhad
Listing of PESTECH
International
Berhad
on the Main Market
of Bursa Malaysia
Securities Berhad
Main Adviser
Main Adviser
Main Adviser
TH Plantations Berhad
Acquisition of the entire equity
interest in Asian Corporation
Limited for a total cash
consideration of RM11 million
Main Adviser
•Acquisitions of Syarikat Sabaco
Sdn Bhd and Ladang Bukit Belian
Sdn Bhd from TH Ladang (Sabah
& Sarawak) Sdn Bhd for a total
purchase
consideration
of
RM199 million
•Bonus Issue
•Employees’
Share
Option
Scheme
Main Adviser
Y.S.P. Southeast Asia
Holding Berhad
Renounceable Two-Call Rights
Issue of 27.7 million ordinary
shares of RM1.00 each in
YSPSAH at an issue price of
RM1.00 per rights share
Main Adviser
Conditional Mandatory
Take-over Offer by
Akarmas Sdn Bhd to
acquire all the
remaining ordinary
shares of RM1.00 each
in PK Resources
Berhad for a cash
consideration of
RM0.60 per share
Exemption from the
obligation to undertake
Mandatory Take-over Offer
arising from the acquisition
of Syarikat Sabaco Sdn Bhd
from TH Ladang (Sabah &
Sarawak) Sdn Bhd
Main Adviser
Main Adviser
ES Ceramics
Technology
Berhad
Astral Asia Berhad
Exemption from the
obligation to undertake
mandatory take-over offer
arising from a rights issue
Joint venture between
related parties to jointly
develop a piece of
leasehold land into mixed
property development
Independent Adviser
Independent Adviser
CYPRUS BASED CAPITAL INTELLIGENCE AGENCY
RATINGS COMPARISON UPDATE
31 December 2011
Capital Intelligence Rating:
- Financial Strength
- Foreign Currency (LT/ST)
Bank Islam
Affin Bank
AmBank
CIMB Bank
Maybank
Public
Bank
RHB Bank
BBB /
Stable
BB+ /
Stable
BBB /
Stable
BBB /
Stable
BBB+ /
Stable
A/
Stable
BBB- /
Stable
BBB+/ A2
BB+/ B
BBB/ A3
BBB+/ A2
A- / A2
A- / A2
BBB/ A3
19 June
2012
1 Nov
2011
29 Feb
2012
10 Jan
2012
11 May
2012
3 Nov
2011
25 Oct
2011
BBB-
N/A
N/A
N/A
N/A
N/A
N/A
32,226.5
49,248.2
101,077.9
234,600.0
451,288.8
250,559.5
143,216.1
6.0
17.1
-0.7
10.6
19.1
10.4
19.9
14,160.3
29,692.3
72,655.3
139,509.7
274,430.7
175,952.8
95,317.9
19.4
14.3
7.4
12.3
16.1
13.6
16.9
28,304.9
36,547.4
75,385.5
176,478.0
313,709.8
200,370.5
113,638.3
5.3
18.0
1.1
10.6
22.5
13.3
23.0
No. of branch
122
90
190
321
392
252
187
Return on Equity (%)
18.5
17.7
25.8
18.2
21.2
37.4
23.1
Return on Assets (%)
1.6
1.3
1.8
1.5
1.7
2.4
1.8
Non Fund Based Income Ratio (%)
13.8
9.5
13.8
19.5
27.2
13.5
12.9
Cost Income Ratio (%)
53.8
45.7
37.4
51.1
50.4
29.8
41.2
2.6
2.9
2.7
3.6
2.9
0.9
3.6
Net Impaired Financing Ratio (%)
-0.2
0.8
-0.2
0.6
0.4
-0.1
1.2
RWCR – post dividend (%)
16.1
11.9
14.6
16.2
15.7
15.0
15.8
Released date
Upgraded from
Total Assets (RM M)
Total Assets Growth (%)
Financing (RM M)
Financing Growth (%)
Deposits from Customers (RM M)
Deposits from Customers Growth (%)
Gross Impaired Financing Ratio (%)
RAM Rating
A1/P1/
Stable
A1/P1/
Stable
AA3/P1/
Stable
AAA/P1/
Stable
AAA/P1/
Stable
AAA/P1/
Stable
AA2/P1/
Stable
Page 10(b)
PROSPECT
MOVING INTO UNCHARTERED TERRRITORIES
Hong Kong
Aims to become an Islamic finance hub
Hang Seng Islamic China Index Fund
in 2007
Shariah Advisory Council formed
UK
Govt sets an objective to entrench London as a global
gateway for Islamic finance
5 FSA-approved Islamic banks and 2 Takaful operators
London
Japan
France
California
Saudi
Arabia
France
Passed rules/regulations to support
Islamic finance activities
Bahrain
Pakistan
Dubai
Malaysia
through DIFC aggressive promotion efforts
New law allowing banks
to offer Islamic finance
Hong Kong
Indonesia
Singapore
Australia
bank
Fast emerging as the financial centre

Sudan
Considering licensing first Islamic
Dubai, UAE
Tokyo
Singapore
Established first Islamic bank
Introduced tax neutrality for
Islamic finance
Aspiring to be centre for Islamic
finance
Issued sukuk
Australia
Islamic co-operative finance
& mortgage established
Considering to establish
Islamic bank
Illustration of rapid expansion: More than 600 Islamic financial institutions operate in more than 75 countries of
which are beyond Muslim jurisdictions with total assets > USD1trillion
MOVING FORWARD
‫ﺴﻼَم‬
َ ‫وَا ْﻟ‬
‫ﻼ‬
ً ‫ﺟ ِﺰ ْﻳ‬
َ ‫ﺷ ْﻜﺮًا‬
ُ
Disclaimer: This presentation material has been prepared by Bank Islam Malaysia Berhad (the Bank”) for information
purposes only and does not purport to contain all the information that may be required to evaluate the Bank or its financial
position. No representation or warranty, express r implied, is given by or on behalf of the Bank as to the accuracy of the
information or opinions contained in this presentation. The presentation does not constitute or form part of an offer,
solicitation or invitation of any offer, to buy or subscribe for any securities , nor should it or any part of it form the basis of, or
be relied in any connection with, any contract, investment decision or commitment whatsoever. The Bank does not accept
any liability whatsoever for any loss howsoever arising from any use of this presentation or their contents or otherwise
arising in connection therewith.
BANK ISLAM MALAYSIA BERHAD
11th Floor, Wisma Bank Islam
Jalan Dungun, Bukit Damansara
50490 Kuala Lumpur
Tel: 603 2088 8222
www.bankislam.com.my
Malkit Singh Maan
Chief Financial Officer
Contact: 603 2088 8118
Email: [email protected]
Hizamuddin Jamalluddin
GM, Strategic Planning
Managing Director’s Office
Contact: 603 2088 8077
Email: [email protected]

special briefing to lembaga tabung haji

Transcription

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