CIMB GROUP HOLDINGS BERHAD
Company Description
Company Info
My Analysis
Research House
Accounting Ratio
Technical Analysis
My notes based on 2012 quarter 1 report (number in '000):-
- Higher revenue and pbt than FY11Q1 largely due to the strong expansion in non-interest income partially offset by higher impairment charges and overhead expenses
- Consumer Bank PBT increased by 3.4% Y-o-Y (contributed 40% to Group PBT) as the Malaysia consumer operations PBT grew 4.7% Y-o-Y as the expansion in the retail banking operations were offset by lower recoveries at the bad bank. The Indonesian consumer operations were 1.8% lower Y-o-Y owing to higher operating costs and currency translation. The consolidated Thai consumer PBT saw improved profits under Thai GAAP but a small loss on consolidation due to the different timing of provision expenses
- Wholesale Banking PBT rose 7.1% Y-o-Y as the Markets (contributed 28% to Group PBT) divisional PBT almost doubled on the back of strong debt capital markets and foreign exchange flows. Investment Banking (contributed 1% to Group PBT) had a relatively slow start to the year with a 78.2% Y-o-Y PBT decline, while the Corporate Banking (contributed 18% to Group PBT) PBT fell 27.0% Y-o-Y due to higher provisions made in 1Q12. Investments (contributed 13% to Group PBT) PBT grew by 40.4% Y-o-Y
- CIMB Niaga’s PBT rose 30.7% Y-o-Y to IDR1,280 billion while its contribution to the Group was 28.3% higher Y-o-Y at RM431 million. CIMB Thai’s PBT grew 20.8% to THB353 million but after GAAP and FRS139 adjustments, its contribution to the Group was 73.5% lower at RM10 million. Total non-Malaysian PBT increased to 43% in 1Q12 from 38% in FY11
- The Group’s total gross loans expanded 10.5% Y-o-Y. Excluding the declining bad bank loan book, the Group’s total gross loans increased by 11.8% Y-o-Y. Within the Consumer segment, mortgages, term loans, credit cards and the Group’s micro lending grew by 12.6%, 7.5%, 8.0% and 33.6% respectively Y-o-Y. Commercial banking loans were 18.3% higher Y-o-Y while auto loans rose 3%. The Group's overall net interest margins were marginally lower at 3.04% from 3.08% last year
- Total Group deposits grew by 13.7% Y-o-Y driven by a 15.6% expansion in retail deposits. Corporate and Treasury deposits were 11.1% higher Y-o-Y. Geographically, the deposit growth was strongest in Thailand at 25.3% from a low base, while Malaysian deposits expanded at 15.2%. Indonesia and Singapore deposits grew 6.2% and 13.0% respectively Y-o-Y. The Group’s CASA ratio fell slightly to 34.2% from 34.6% last year
- Estimate next 4Q eps after 2012 Q1 result announced = 26851609*0.15/7432772 = 0.5419, estimate PE on current price 7.2 = 12.84(DPS 0.24)
- Estimate next 4Q eps after 2011 Q4 result announced = 27005917*0.15/7432772 = 0.545, estimate highest/lowest PE = 14.17/12.61 (DPS 0.24)
- Estimate next 4Q eps after 2011 Q3 result announced = 0.4176*1.05 = 0.4385, estimate highest/lowest PE = 16.42/14.6 (DPS 0.24)
- Estimate next 4Q eps after 2011 Q2 result announced = 0.1305*0.8*4 = 0.4176(reduce 20% non-interest income due to market sluggish), estimate highest/lowest PE = 18.22/15.09 (DPS 0.26)
- Estimate next 4Q eps after 2011 Q1 result announced = 0.1097*4*1.1 = 0.4827(deduct RM160 million losses on loans, advance & financing), estimate highest/lowest PE = 18.29/15.66 (DPS 0.18)
- Estimate next 4Q eps after 2010 Q4 result announced = 0.49*1.05 = 0.5145, estimate highest/lowest PE = 15.86/14.69 (DPS 0.26)
- Estimate next 4Q eps after 2010 Q3 result announced = 0.1267*4*0.97 = 0.4916, estimate highest/lowest PE = 18.29/15.99 (DPS 0.18)
- Estimate next 4Q eps after 2010 Q2 result announced = 0.125*4*1.1 = 0.55, estimate highest/lowest PE = 15.42/13.78 (DPS 0.14)
- Estimate next 4Q eps after 2010 Q1 result announced = 0.2366*4*1.1 = 1.041(10% increase quarter-by-quarter), after bonus estimate eps = 1.041/2 = 0.5205, estimate highest/lowest PE = 15.19/12.46 (DPS 0.185/2 = 0.0925)
- Estimate next 4Q eps after 2009 Q4 result announced = 0.2268*4*1.1 = 0.9979, estimate highest/lowest PE = 14.67/12.5 (DPS 0.185)
- Estimate next 4Q eps after 2009 Q3 result announced = 0.2058*4*1.1 = 0.9055, estimate highest/lowest PE = 14.72/13.04 (DPS 0.25)
- Estimate next 4Q eps after 2009 Q2 result announced = 0.1879*4*1.1 = 0.8268, estimate highest/lowest PE = 15.59/11.73 (DPS 0.25)
CIMB latest news (English)
CIMB latest news (Chinese)
Financial Quarter Summary
Financial Quarter Balance Sheet
Financial Quarter Income Statement
Financial Quarter Segments Revenue
Financial Quarter Segments Profit
Financial Quarter Segments Associate
Short form reference
a_date = announcement date, yr = financial year end, qrt = quarter
h_price = stock highest price during the quarter, l_price = stock lowest price during the quarter
div = dividend recommend or declare in the quarter, roe = return on equity
c_roe = cumulative of return on equity during the financial year
rev = revenue in the current quarter, c_rev = cumulative of revenue during the financial year
pbt = profit before tax in the current quarter, c_pbt = cumulative of profit before tax during the financial year
eps = earnings per share in the current quarter, c_eps = cumulative of earnings per share during the financial year
asset = total asset, liab = total liability, mino = minority interest, equi = total equity
cfo = net cash flow from operating activities, cfi = net cash flow from investing activities
cff = net cash flow from financing activities, cash = cash and cash equivalents as at beginning of financial year
final = cash and cash equivalents as at current financial period ended
share = diluted/basic weighted average number of ordinary shares
c_share = cumulative of diluted/basic weighted average number of ordinary shares during the financial year
m_cap = market capital at announcement date of quarterly report, date = current financial period ended date
prof_m = profit margin, vat = income tax rate, pe = price earning per share ratio of recent four quarter
navps = net asset value per share, ntaps = net tangible asset per share, cps = cash per share
l_cur = liquidity current ratio, l_qui = liquidity quick ratio, l_cash = liquidity cash ratio
g_de = gearing debt to equity ratio, g_da = gearing debt to assets ratio
avg_w = working capital per thousand Ringgit sale
inv_d = days to sell the inventory, rec_d = days to collect the receivables
pay_d = days to pay the payables
Company Description
The Group's principal activity is providing consumer banking which include Retail Banking, Business Banking, Direct Banking & Cards and Consumer Sales & Distribution. Other activity includes providing corporate and investment banking which comprises corporate finance, corporate banking, international banking & transactional services, equity capital market and other related services. The Group is involve in providing commercial banking and related services. Other activities include providing treasury activities, insurance businesses, fund management and unit trust activities and support services. The Group operates in Malaysia, Indonesia and other countries.
Company Info
| Listing Date | 1987-11-03 |
| Market Capital (Capital Size) | 53,515,977,451 (Very Large) |
| Par Value | RM 1.00 |
| Board | Main |
| Sector | Finance |
| Major Industry | Banking |
| Sub Industry | Other Financial Services |
| Website | http://www.cimb.com/ |
My Analysis
| Forecast P/E now | (7.2-0.24)/0.5419 = 12.84 (Moderate) |
| Target Price | 8.67+0.24 = 8.91 (PE 16.0, EPS 0.5419, DPS 0.24) |
| Decision | BUY if stock price sustain above 7.1 and got very strong buy volume than sell or wait stock price below Bolinger lower band |
| Comment | Revenue decreased 3.7% but higher than preceding year corresponding quarter 18.4%, eps decreased 10.8% but higher than preceding year corresponding quarter 10.3%, no cash generated from all cash flow hence spent 9.7% of Group cash to cover all expenses, maintained high operating margin, lower interest income since FY10Q1, lower loans, advances & financing can indicate loan grow slow down, allowances for losses on loans, advance & financing remain high |
| First Support Price | 7.1 |
| Second Support Price | 6.9 |
| Risk Rating | MODERATE |
Research House
| TA Target Price | 7.7 (2012-02-17) |
| MIDF Target Price | 7.7 (2012-02-28) |
| CIMB Target Price | 7.86 (2012-03-16) |
| RHB Target Price | 8.05 (2012-04-02) |
| Alliance Target Price | 7.92 (2012-05-09) |
| AMMB Target Price | 8 (2012-05-09) |
| Kenanga Target Price | 8.5 (2012-05-09) |
| Jupiter Target Price | 8.16 (2012-05-10) |
| ECM Target Price | 7 (2012-05-25) |
| HLG Target Price | 7.78 (2012-05-25) |
| HwangDBS Target Price | 7.6 (2012-05-25) |
| Maybank Target Price | 6.8 (2012-05-25) |
| OSK Target Price | 8.53 (2012-05-25) |
Accounting Ratio
| Return on Equity | 15.65% |
| Dividend Yield | 3.33% |
| Gross Profit Margin | 0.00% |
| Operating Profit Margin | 40.46% |
| Net Profit Margin | 41.20% |
| Tax Rate | 23.73% |
| Asset Turnover | 0.0407 |
| Net Asset Value Per Share | 3.51 |
| Net Tangible Asset per share | 2.21 |
| Price/Net Tangible Asset Per Share | 3.25 |
| Cash Per Share | 8.78 |
| Liquidity Current Ratio | 1.121 |
| Liquidity Quick Ratio | 0.9817 |
| Liquidity Cash Ratio | 0.2461 |
| Gearing Debt to Equity Ratio | 10.85 |
| Gearing Debt to Asset Ratio | 0.9134 |
| Working capital per thousand Ringgit sale | 254.2% |
| Days to sell the inventory | 1737 |
| Days to collect the receivables | 5302 |
| Days to pay the payables | 12065 |
Technical Analysis
| SMA 20 | 7.39 (Downtrend 25 days) |
| SMA 50 | 7.53 (Downtrend) |
| SMA 100 | 7.316 (Uptrend) |
| SMA 200 | 7.234 (Downtrend) |
| MACD (26d/12d) | -0.093877 ( 0.000655 ) |
| Signal (9) | -0.068606 ( 0.006318 ) |
| MACD Histogram | 0.025271 (Bearish trend 9 days) |
| Bolinger Upper Band | 7.765 |
| Bolinger Lower Band | 7.015 |
My notes based on 2012 quarter 1 report (number in '000):-
- Higher revenue and pbt than FY11Q1 largely due to the strong expansion in non-interest income partially offset by higher impairment charges and overhead expenses
- Consumer Bank PBT increased by 3.4% Y-o-Y (contributed 40% to Group PBT) as the Malaysia consumer operations PBT grew 4.7% Y-o-Y as the expansion in the retail banking operations were offset by lower recoveries at the bad bank. The Indonesian consumer operations were 1.8% lower Y-o-Y owing to higher operating costs and currency translation. The consolidated Thai consumer PBT saw improved profits under Thai GAAP but a small loss on consolidation due to the different timing of provision expenses
- Wholesale Banking PBT rose 7.1% Y-o-Y as the Markets (contributed 28% to Group PBT) divisional PBT almost doubled on the back of strong debt capital markets and foreign exchange flows. Investment Banking (contributed 1% to Group PBT) had a relatively slow start to the year with a 78.2% Y-o-Y PBT decline, while the Corporate Banking (contributed 18% to Group PBT) PBT fell 27.0% Y-o-Y due to higher provisions made in 1Q12. Investments (contributed 13% to Group PBT) PBT grew by 40.4% Y-o-Y
- CIMB Niaga’s PBT rose 30.7% Y-o-Y to IDR1,280 billion while its contribution to the Group was 28.3% higher Y-o-Y at RM431 million. CIMB Thai’s PBT grew 20.8% to THB353 million but after GAAP and FRS139 adjustments, its contribution to the Group was 73.5% lower at RM10 million. Total non-Malaysian PBT increased to 43% in 1Q12 from 38% in FY11
- The Group’s total gross loans expanded 10.5% Y-o-Y. Excluding the declining bad bank loan book, the Group’s total gross loans increased by 11.8% Y-o-Y. Within the Consumer segment, mortgages, term loans, credit cards and the Group’s micro lending grew by 12.6%, 7.5%, 8.0% and 33.6% respectively Y-o-Y. Commercial banking loans were 18.3% higher Y-o-Y while auto loans rose 3%. The Group's overall net interest margins were marginally lower at 3.04% from 3.08% last year
- Total Group deposits grew by 13.7% Y-o-Y driven by a 15.6% expansion in retail deposits. Corporate and Treasury deposits were 11.1% higher Y-o-Y. Geographically, the deposit growth was strongest in Thailand at 25.3% from a low base, while Malaysian deposits expanded at 15.2%. Indonesia and Singapore deposits grew 6.2% and 13.0% respectively Y-o-Y. The Group’s CASA ratio fell slightly to 34.2% from 34.6% last year
- Estimate next 4Q eps after 2012 Q1 result announced = 26851609*0.15/7432772 = 0.5419, estimate PE on current price 7.2 = 12.84(DPS 0.24)
- Estimate next 4Q eps after 2011 Q4 result announced = 27005917*0.15/7432772 = 0.545, estimate highest/lowest PE = 14.17/12.61 (DPS 0.24)
- Estimate next 4Q eps after 2011 Q3 result announced = 0.4176*1.05 = 0.4385, estimate highest/lowest PE = 16.42/14.6 (DPS 0.24)
- Estimate next 4Q eps after 2011 Q2 result announced = 0.1305*0.8*4 = 0.4176(reduce 20% non-interest income due to market sluggish), estimate highest/lowest PE = 18.22/15.09 (DPS 0.26)
- Estimate next 4Q eps after 2011 Q1 result announced = 0.1097*4*1.1 = 0.4827(deduct RM160 million losses on loans, advance & financing), estimate highest/lowest PE = 18.29/15.66 (DPS 0.18)
- Estimate next 4Q eps after 2010 Q4 result announced = 0.49*1.05 = 0.5145, estimate highest/lowest PE = 15.86/14.69 (DPS 0.26)
- Estimate next 4Q eps after 2010 Q3 result announced = 0.1267*4*0.97 = 0.4916, estimate highest/lowest PE = 18.29/15.99 (DPS 0.18)
- Estimate next 4Q eps after 2010 Q2 result announced = 0.125*4*1.1 = 0.55, estimate highest/lowest PE = 15.42/13.78 (DPS 0.14)
- Estimate next 4Q eps after 2010 Q1 result announced = 0.2366*4*1.1 = 1.041(10% increase quarter-by-quarter), after bonus estimate eps = 1.041/2 = 0.5205, estimate highest/lowest PE = 15.19/12.46 (DPS 0.185/2 = 0.0925)
- Estimate next 4Q eps after 2009 Q4 result announced = 0.2268*4*1.1 = 0.9979, estimate highest/lowest PE = 14.67/12.5 (DPS 0.185)
- Estimate next 4Q eps after 2009 Q3 result announced = 0.2058*4*1.1 = 0.9055, estimate highest/lowest PE = 14.72/13.04 (DPS 0.25)
- Estimate next 4Q eps after 2009 Q2 result announced = 0.1879*4*1.1 = 0.8268, estimate highest/lowest PE = 15.59/11.73 (DPS 0.25)
CIMB latest news (English)
CIMB latest news (Chinese)
Financial Quarter Summary
| a_date | year | qrt | h_price | l_price | div | roe | c_roe | rev | c_rev | pbt | c_pbt | prof | c_prof | eps | c_eps | asset | liab | mino | equi | cfo | cfi | cff | cash | fcf | net | final | share | c_share | m_cap | date | gros_m | oper_m | prof_m | vat | asset_t | pe | navps | ntaps | p/ntaps | cps | l_cur | l_qui | l_cash | g_de | g_da | avg_w | inv_d | rec_d | pay_d |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2012-05-24 | 2012 | 1 | N/A | N/A | - | 3.76% | 3.76% | 3255553 | 3255553 | 1341222 | 1341222 | 1010667 | 1010667 | 0.1360 | 0.1360 | 310121782 | 283270173 | 743695 | 26851609 | 832600 | 1547382 | 961730 | 34309809 | 2379982 | 3341712 | 30968097 | 7432772 | 7432772 | 53441630 | 2012-03-31 | - | 40.46% | 41.20% | 23.73% | 0.0407 | - | 3.51 | 2.21 | 3.25 | 8.78 | 1.121 | 0.9817 | 0.2461 | 10.85 | 0.9134 | 254.2% | 1737 | 5302 | 12065 |
| 2012-02-27 | 2011 | 4 | 7.96 | 7.11 | 0.1 | 4.19% | 14.93% | 3380963 | 12122029 | 1404970 | 5203142 | 1132514 | 4030798 | 0.1524 | 0.5423 | 300392654 | 273386737 | 726690 | 27005917 | 10700706 | 4650068 | 1620688 | 26997519 | 6050638 | 7671326 | 34668845 | 7432772 | 7432772 | 53069992 | 2011-12-31 | - | 32.93% | 41.56% | 18.49% | 0.0404 | 13.1661 | 3.54 | 2.21 | 3.23 | 7.75 | 1.1272 | 0.9895 | 0.2258 | 10.4031 | 0.9101 | 267.5% | 1736 | 5535 | 12251 |
| 2011-11-15 | 2011 | 3 | 7.44 | 6.64 | - | 3.89% | 11.16% | 3031492 | 8741066 | 1287672 | 3798172 | 1011758 | 2898284 | 0.1361 | 0.3899 | 295612295 | 269633235 | 711466 | 25979060 | 5759491 | 2989489 | 668339 | 26944386 | 2770002 | 3438341 | 30382727 | 7432772 | 7432772 | 52772681 | 2011-09-30 | - | 40.04% | 42.48% | 21.19% | 0.0403 | - | 3.4 | 2.08 | 3.41 | 8.08 | 1.1204 | 0.9903 | 0.2375 | 10.6711 | 0.9121 | 255.1% | 1664 | 5421 | 12392 |
| 2011-08-23 | 2011 | 2 | 7.87 | 6.56 | 0.12 | 3.81% | 7.41% | 2959191 | 5709574 | 1277929 | 2510500 | 970015 | 1886526 | 0.1305 | 0.2538 | 282075871 | 256605077 | 700442 | 25470794 | 4689051 | 2136440 | 877413 | 26881425 | 2552611 | 1675198 | 28556623 | 7432772 | 7432772 | 57901293 | 2011-06-30 | - | 41.07% | 43.19% | 23.23% | 0.0419 | - | 3.33 | 2.03 | 3.84 | 7.49 | 1.1139 | 0.9817 | 0.2298 | 10.3594 | 0.9097 | 233.8% | 1634 | 5220 | 11874 |
| 2011-05-25 | 2011 | 1 | 9.01 | 7.74 | - | 3.75% | 3.75% | 2750383 | 2750383 | 1232571 | 1232571 | 916511 | 916511 | 0.1233 | 0.1233 | 272311277 | 247871425 | 696360 | 24439852 | 1527109 | 708797 | 41500 | 26854887 | 2235906 | 2194406 | 24660481 | 7432772 | 7432772 | 61469024 | 2011-03-31 | - | 43.56% | 44.81% | 24.28% | 0.0436 | - | 3.19 | 1.89 | 4.38 | 7.49 | 1.1176 | 0.993 | 0.239 | 10.4396 | 0.9103 | 230.7% | 1472 | 5050 | 11475 |
| 2011-02-25 | 2010 | 4 | 8.42 | 7.82 | 0.08 | 3.59% | 14.40% | 3185683 | 11878203 | 1143047 | 4626717 | 872615 | 3500803 | 0.1176 | 0.4872 | 269365244 | 245062045 | 873233 | 24303199 | 2676058 | 451069 | 2263367 | 27146882 | 2224989 | 38378 | 27185260 | 7418466 | 7186034 | 59867020 | 2010-12-31 | - | 34.12% | 35.88% | 23.36% | 0.0442 | 16.5651 | 3.26 | 1.91 | 4.23 | 7.74 | 1.1157 | 0.9874 | 0.249 | 10.4593 | 0.9098 | 224.1% | 1478 | 4881 | 11075 |
| 2010-11-22 | 2010 | 3 | 9.17 | 8.04 | 0.1345 | 3.74% | 10.79% | 2910818 | 8787331 | 1186106 | 3503853 | 916803 | 2648371 | 0.1268 | 0.3698 | 261101772 | 236564765 | 1367393 | 24537007 | 4773594 | 149157 | 241884 | 27537533 | 4624437 | 4382553 | 23154980 | 7229190 | 7160752 | 60797487 | 2010-09-30 | - | 39.49% | 40.75% | 19.85% | 0.0438 | - | 3.24 | 1.81 | 4.65 | 7.39 | 1.1072 | 0.9812 | 0.238 | 10.2101 | 0.906 | 210.2% | 1482 | 4907 | 11218 |
| 2010-08-26 | 2010 | 2 | 8.62 | 7.72 | 0.04625 | 3.85% | 7.48% | 3018763 | 5860608 | 1184973 | 2313722 | 889460 | 1727543 | 0.1250 | 0.2425 | 255897662 | 232795167 | 2216150 | 23102495 | 4958543 | 221111 | 653389 | 28534220 | 5179654 | 5833043 | 22701177 | 7118009 | 7122567 | 56374631 | 2010-06-30 | - | 41.20% | 39.25% | 20.08% | 0.0443 | - | 2.93 | 1.63 | 4.86 | 7.17 | 1.1033 | 0.9662 | 0.2307 | 11.1458 | 0.9097 | 201.8% | 1591 | 4903 | 11140 |
| 2010-05-20 | 2010 | 1 | 8.0 | 6.58 | - | 3.66% | 3.66% | 2787592 | 2787592 | 1129394 | 1129394 | 838728 | 838728 | 0.2366 | 0.2366 | 245856199 | 222917659 | 2165933 | 22938540 | 3069709 | 1018935 | 13 | 27902725 | 2050774 | 2050787 | 25851938 | 3544216 | 3544216 | 25057607 | 2010-03-31 | - | 40.08% | 40.52% | 19.17% | 0.0443 | - | 5.86 | 3.23 | 2.19 | 13.95 | 1.1032 | 0.9682 | 0.2332 | 10.7313 | 0.9067 | 200.8% | 1520 | 4827 | 10666 |
| 2010-02-23 | 2009 | 4 | 14.82 | 7.0 | 0.185 | 3.55% | 12.39% | 2731255 | 10483151 | 1093623 | 3811877 | 802893 | 2806816 | 0.2267 | 0.7951 | 239983999 | 217337285 | 2101700 | 22646714 | 1530848 | 2612161 | 653919 | 24785597 | 4143009 | 3489090 | 28274687 | 3542351 | 3529967 | 44846163 | 2009-12-31 | - | 35.57% | 40.04% | 18.29% | 0.0443 | 15.9217 | 5.82 | 3.17 | 3.99 | 13.13 | 1.1034 | 0.959 | 0.2253 | 10.5786 | 0.9056 | 201.0% | 1584 | 4887 | 10517 |
| 2009-11-10 | 2009 | 3 | 13.58 | 12.06 | - | 3.44% | 9.50% | 2786977 | 7889775 | 1000788 | 2718254 | 726830 | 2003923 | 0.2058 | 0.5678 | 228891774 | 207791017 | 1512510 | 21100757 | 5053613 | 860228 | 399579 | 25066168 | 4193385 | 4592964 | 20473204 | 3531770 | 3529361 | 45277291 | 2009-09-30 | - | 37.15% | 35.91% | 21.89% | 0.0427 | - | 5.55 | 3.1 | 4.14 | 11.53 | 1.1043 | 0.9539 | 0.207 | 10.6079 | 0.9078 | 209.9% | 1685 | 5097 | 10649 |
| 2009-08-12 | 2009 | 2 | 13.14 | 9.95 | - | 3.34% | 6.43% | 2589220 | 5102798 | 878550 | 1717466 | 663150 | 1277093 | 0.1879 | 0.3620 | 224677381 | 204813407 | 1381727 | 19863974 | 2709290 | 146971 | 752948 | 24895608 | 2856261 | 3609209 | 21286399 | 3528801 | 3528136 | 38111050 | 2009-06-30 | - | 34.71% | 33.93% | 19.43% | 0.0386 | - | 5.24 | 2.81 | 3.84 | 11.71 | 1.0995 | 0.9349 | 0.2132 | 11.0816 | 0.9116 | 222.7% | 2024 | 5476 | 11768 |
| 2009-05-14 | 2009 | 1 | 11.0 | 8.5 | - | 3.34% | 3.34% | 2513578 | 2513578 | 839005 | 839005 | 614032 | 614032 | 0.1739 | 0.1739 | 226918356 | 208561461 | 1198377 | 18356895 | 2625669 | 1353384 | 1058244 | 24556541 | 3979053 | 5037297 | 19519244 | 3531781 | 3531781 | 31256261 | 2009-03-31 | - | 33.71% | 33.38% | 20.85% | 0.0363 | - | 4.86 | 2.51 | 3.53 | 11.49 | 1.091 | 0.913 | 0.2051 | 12.155 | 0.9191 | 218.6% | 2424 | 5701 | 12996 |
| 2009-02-23 | 2008 | 4 | 9.5 | 5.9 | 0.25 | 1.69% | 10.38% | 1882411 | 7740512 | 448225 | 2715990 | 318687 | 1952369 | 0.0919 | 0.5776 | 207090759 | 188278166 | 1513390 | 18812593 | 2086075 | 4676654 | 669399 | 30502041 | 6762729 | 6093330 | 24408711 | 3469635 | 3380215 | 22379145 | 2008-12-31 | - | 30.93% | 23.81% | 33.73% | 0.0374 | 11.1671 | 5.12 | 2.81 | 2.3 | 12.0 | 1.1032 | 0.9523 | 0.2341 | 10.8836 | 0.9092 | 237.2% | 2005 | 5535 | 12710 |
| 2008-11-13 | 2008 | 3 | 7.15 | 5.55 | - | 2.63% | 9.59% | 1683217 | 5858101 | 572018 | 2267765 | 448044 | 1633682 | 0.1345 | 0.4876 | 195474820 | 178435134 | 944260 | 17039686 | 5226430 | 2751813 | 183887 | 30720554 | 2474617 | 2290730 | 33011284 | 3330835 | 3350191 | 20318093 | 2008-09-30 | - | 34.64% | 33.98% | 19.11% | 0.04 | - | 4.8 | 3.32 | 1.84 | 16.59 | 1.1127 | 1.0045 | 0.3265 | 11.0861 | 0.9128 | 243.9% | 1400 | 4976 | 12357 |
| 2008-08-14 | 2008 | 2 | 8.45 | 5.65 | - | 3.90% | 7.10% | 2157629 | 4174884 | 946915 | 1695772 | 650238 | 1185663 | 0.1941 | 0.3529 | 190906548 | 174214068 | 893614 | 16692480 | 1602828 | 784040 | 428857 | 30452032 | 818788 | 1247645 | 31699677 | 3350579 | 3360180 | 27139689 | 2008-06-30 | - | 42.65% | 43.89% | 27.45% | 0.045 | - | 4.7 | 3.23 | 2.51 | 16.41 | 1.1145 | 1.0124 | 0.334 | 11.027 | 0.9126 | 219.5% | 1104 | 4385 | 10282 |
| 2008-05-09 | 2008 | 1 | 10.2 | 6.95 | - | 3.16% | 3.16% | 2017256 | 2017256 | 748859 | 748859 | 535426 | 535426 | 0.1589 | 0.1589 | 186154060 | 169184426 | 963546 | 16969634 | 3749359 | 124866 | 1296175 | 30184468 | 3624493 | 2328318 | 27856150 | 3369757 | 3369757 | 33360594 | 2008-03-31 | - | 38.16% | 37.12% | 24.40% | 0.0478 | - | 4.75 | 3.28 | 3.02 | 16.88 | 1.1198 | 1.0077 | 0.3562 | 10.57 | 0.9088 | 215.0% | 1114 | 3931 | 9399 |
| 2008-02-21 | 2007 | 4 | 10.6 | 8.45 | 0.25 | 2.88% | 16.58% | 1958649 | 9010661 | 738821 | 3686872 | 486018 | 2794342 | 0.1437 | 0.8363 | 182801239 | 165946629 | 944559 | 16854610 | 16127335 | 2520861 | 2770213 | 19689199 | 13606474 | 10836261 | 30525460 | 3382562 | 3341389 | 34840388 | 2007-12-31 | - | 39.58% | 37.72% | 31.80% | 0.0492 | 12.3164 | 4.76 | 3.27 | 3.15 | 16.17 | 1.1135 | 0.9983 | 0.3469 | 10.4303 | 0.9078 | 199.2% | 1125 | 3896 | 9208 |
| 2007-11-12 | 2007 | 3 | 12.2 | 10.1 | - | 6.47% | 14.48% | 2458162 | 7026483 | 1205719 | 2948588 | 1032286 | 2308861 | 0.3051 | 0.6933 | 174924378 | 158978430 | 961417 | 15945948 | 6941228 | 2113003 | 2306969 | 19782841 | 4828225 | 2521256 | 22304097 | 3383951 | 3330306 | 36208275 | 2007-09-30 | - | 23.09% | 49.05% | 11.59% | 0.0527 | - | 4.5 | 2.97 | 3.6 | 13.44 | 1.1164 | 1.0032 | 0.3025 | 10.6095 | 0.9088 | 189.9% | 982 | 3800 | 8181 |
| 2007-08-24 | 2007 | 2 | 11.5 | 10.6 | 0.25 | 4.27% | 8.25% | 2465466 | 4568321 | 916889 | 1742969 | 660837 | 1276675 | 0.1923 | 0.3863 | 166937259 | 151453907 | 837834 | 15483352 | 6980479 | 816117 | 335925 | 19730302 | 6164362 | 5828437 | 25558739 | 3436926 | 3304458 | 40212034 | 2007-06-30 | - | 37.16% | 37.19% | 24.00% | 0.0405 | - | 4.43 | 2.89 | 4.05 | 14.06 | 1.1267 | 1.0223 | 0.3406 | 10.3413 | 0.9073 | 266.0% | 1218 | 4810 | 10888 |
| 2007-05-07 | 2007 | 1 | N/A | N/A | - | 4.47% | 4.47% | 2102855 | 2102855 | 826475 | 826475 | 616233 | 616233 | 0.1896 | 0.1896 | 161437099 | 147662545 | 775648 | 13774554 | 2313132 | 896942 | 520163 | 19665083 | 1416190 | 896027 | 20561110 | 3249914 | 3249914 | 32336644 | 2007-03-31 | - | 39.59% | 39.30% | 21.40% | 0.0266 | - | 4.0 | 2.43 | 4.09 | 12.88 | 1.1223 | 1.008 | 0.3043 | 11.3596 | 0.9147 | 392.0% | 1988 | 7591 | 16494 |
| 2007-03-01 | 2006 | 4 | N/A | N/A | 0.15 | 3.59% | 12.09% | 2187538 | 6392570 | 596495 | 2019233 | 452118 | 1521618 | 0.1419 | 0.4812 | 157301284 | 144711964 | 604790 | 12589320 | 3912712 | 881916 | 4866364 | 12024781 | 3030796 | 7897160 | 19921941 | 3185604 | 3162110 | 24688431 | 2006-12-31 | - | 26.19% | 27.27% | 21.85% | 0.0139 | 16.1055 | 3.79 | 2.2 | 3.52 | 12.75 | 1.1283 | 1.0241 | 0.3046 | 12.0749 | 0.92 | 781.9% | 3140 | 15073 | 28681 |
Financial Quarter Balance Sheet
| year | qrt | Deferred tax assets (A-0) | Goodwill on consolidation (A-0) | Intangible assets (A-0) | Investment in associated companies (A-0) | Investment properties (A-0) | Prepaid lease payments (A-0) | Property, plant and equipment (A-0) | Cash and cash equivalents (A-1) | Current asset classified as held for sales (A-1) | Current tax assets (A-1) | Deposits with licensed banks (A-1) | Derivative financial assets (A-1) | Financial assets at fair value through profit and loss (A-1) | Financial investments available-for-sale (A-1) | Financial investments held-to-maturity (A-1) | Loans, advances & financing (A-1) | Other assets (A-1) | Reverse repurchase agreements (A-1) | Statutory deposits with Bank Negara Malaysia (A-1) | Bonds (L-0) | Deferred tax liabilities (L-0) | Loan stock (L-0) | Loans & borrowings (L-0) | Non-cumulative guaranteed and redeemable preference shares (L-0) | Subordinated notes (L-0) | Bills payables (L-1) | Current tax liabilities (L-1) | Deposits & placements of banks & other financial institutions (L-1) | Deposits from customers (L-1) | Derivative financial liabilities (L-1) | Floating rate certificates of deposits (L-1) | Irredeemable convertible unsecured loan stocks (L-1) | Liabilities directly associated with assets classified as held for sale (L-1) | Obligations on securities sold under repurchase agreements (L-1) | Other liabilities (L-1) | Recourse obligations on loans sold to Cagamas Berhad (L-1) | Redeemable convertible unsecured loan stocks (L-1) | Minority interest (M-1) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2012 | 1 | 54524 | 8139539 | 1562608 | 1359361 | 8110 | 169070 | 1481501 | 30968097 | 14324 | 126145 | 7279441 | 3676517 | 21640362 | 21115299 | 11396906 | 183419585 | 7878982 | 4443338 | 5388073 | 499416 | 142981 | - | 5333431 | 865685 | 11178056 | 5787423 | 504781 | 16136980 | 229838761 | 3570326 | - | - | - | 1409831 | 8002502 | - | - | 743695 |
| 2011 | 4 | 49998 | 8242489 | 1611879 | 1357866 | 8653 | 170564 | 1458400 | 34668845 | 17248 | 139258 | 4174012 | 4274073 | 13665700 | 18421118 | 12460832 | 183838777 | 6518355 | 4230482 | 5084105 | 521225 | 181475 | - | 5324032 | 881016 | 11417980 | 7566691 | 483820 | 12964309 | 221933142 | 4217291 | - | - | - | 1067946 | 6827810 | - | - | 726690 |
| 2011 | 3 | - | 8239759 | 1583238 | 1016604 | 7076 | 174424 | 1434671 | 30382727 | 22237 | 98794 | 8056171 | 5101884 | 17485644 | 12857378 | 16046517 | 177129129 | 7904090 | 3973360 | 4098592 | - | 113458 | - | 3928637 | 914734 | 11944557 | 5329569 | 601228 | 16050898 | 218202092 | 5035567 | - | - | - | 263647 | 7248848 | - | - | 711466 |
| 2011 | 2 | - | 8126855 | 1566539 | 956419 | 6859 | 178071 | 1381595 | 28556623 | 14710 | 96142 | 9290784 | 3482618 | 14401283 | 12191533 | 15719739 | 168851939 | 9716167 | 4124475 | 3413520 | - | 58149 | - | 3440787 | 858130 | 9988828 | 4506061 | 483424 | 13782083 | 210943412 | 3570421 | - | - | - | - | 8973782 | - | - | 700442 |
| 2011 | 1 | 41498 | 8115074 | 1552518 | 889479 | 13469 | 197247 | 1343653 | 24660481 | 64808 | 83098 | 10522222 | 3845343 | 18083513 | 11602150 | 14760112 | 164170490 | 7354781 | 2634107 | 2377234 | 434996 | 7400 | - | 3993034 | 858787 | 9795950 | 4769968 | 396762 | 14966391 | 202111513 | 4054425 | - | - | - | - | 6422355 | 59844 | - | 696360 |
| 2010 | 4 | 15269 | 8159469 | 1543295 | 680293 | 61216 | 185542 | 1442948 | 27185260 | 59050 | 98358 | 11745823 | 3577155 | 17082596 | 11658702 | 14120263 | 159181385 | 7353522 | 3804662 | 1410436 | 423982 | 12124 | - | 3484667 | 860162 | 9675340 | 4831366 | 322789 | 13092157 | 199845664 | 3748516 | - | - | - | 33087 | 8624668 | 107523 | - | 873233 |
| 2010 | 3 | - | 8676284 | 1561045 | 662027 | 98362 | 230754 | 1411467 | 23154980 | 38196 | 190334 | 10725748 | 5156389 | 18359797 | 11665985 | 14229244 | 153904555 | 7482062 | 2390102 | 1164441 | 417950 | 105950 | - | 3599369 | 882905 | 7155945 | 3824572 | 211567 | 10702355 | 193851856 | 5385296 | - | - | - | 132614 | 10082676 | 211710 | - | 1367393 |
| 2010 | 2 | 158810 | 7646241 | 1603832 | 654920 | 99807 | 247405 | 1432088 | 22701177 | 33342 | 118764 | 13579829 | 4573437 | 14246307 | 10653474 | 15558490 | 152130415 | 5837016 | 4120080 | 502228 | 432591 | 8201 | - | 3203031 | 896915 | 7051747 | 3745402 | 216226 | 10178570 | 193487137 | 4649490 | - | - | - | 33494 | 8659727 | 232636 | - | 2216150 |
| 2010 | 1 | 132928 | 7693284 | 1633653 | 651402 | 101024 | 286461 | 1480223 | 25851938 | 158742 | 148426 | 11784403 | 3675309 | 11099487 | 10483760 | 14147082 | 144074375 | 7763255 | 3980114 | 710333 | 429053 | 6335 | - | 3296250 | 876764 | 6304978 | 4252364 | 254975 | 13877644 | 178730585 | 3719074 | - | - | - | - | 10918829 | 250808 | - | 2165933 |
| 2009 | 4 | 293708 | 7694653 | 1667784 | 649138 | 120349 | 279924 | 1499066 | 28274687 | 226224 | 110416 | 2383055 | 3689831 | 14999302 | 11000536 | 14266710 | 142218190 | 5221796 | 4544873 | 843757 | 443051 | 13247 | - | 3218286 | 884087 | 6342738 | 4494794 | 428565 | 10131582 | 178882336 | 3492587 | - | - | - | 565097 | 8105303 | 335612 | - | 2101700 |
| 2009 | 3 | 384808 | 7581938 | 1061276 | 583343 | 101277 | 72049 | 1915712 | 20473204 | 27184 | 106232 | 7582410 | 4100849 | 11816689 | 11709786 | 13782090 | 136467443 | 6203264 | 4089682 | 832538 | 442440 | 1982 | - | 4906085 | 905670 | 4855859 | 2859207 | 397427 | 13719588 | 166155429 | 3784830 | - | - | - | - | 9307849 | 454651 | - | 1512510 |
| 2009 | 2 | 416005 | 7499180 | 1052570 | 545516 | 101193 | 71617 | 1781106 | 21286399 | 28063 | 113137 | 7200119 | 4548196 | 11584432 | 12668704 | 13776754 | 130051166 | 5209320 | 5480914 | 1262990 | - | 7916 | - | 4861344 | 903746 | 5133106 | 3189218 | 92830 | 14056130 | 163847041 | 4007946 | - | - | - | - | 8198186 | 515944 | - | 1381727 |
| 2009 | 1 | 638018 | 7828191 | 465870 | 286592 | 102238 | 73502 | 1671689 | 19519244 | 8310 | 418306 | 8382898 | 5784303 | 11559821 | 13104222 | 14205512 | 128662796 | 5176780 | 7915602 | 1114462 | 25760 | 11565 | - | 3711706 | 965658 | 5999126 | 3388838 | 142082 | 11724585 | 167394357 | 4952184 | - | - | - | 550015 | 8864459 | 831126 | - | 1198377 |
| 2008 | 4 | 260062 | 6204724 | 1591670 | 913767 | 100175 | 256788 | 1559550 | 24408711 | 82452 | 388756 | 4063276 | 5723801 | 10423239 | 11608213 | 11921430 | 117382074 | 4154483 | 3311243 | 2736345 | 24374 | 14895 | - | 4004836 | 948336 | 5443518 | 3333266 | 212220 | 13653284 | 146890210 | 5168280 | - | - | 29499 | 62924 | 7498706 | 993818 | - | 1513390 |
| 2008 | 3 | 408849 | 4483950 | 476497 | 277440 | 101606 | 51807 | 1432651 | 33011284 | 231939 | - | 2411196 | 3157582 | 17387063 | 10856504 | 5398484 | 106572085 | 4742354 | 2038011 | 2435518 | 24030 | 9900 | - | 4430968 | 855580 | 3935189 | 4254194 | 100931 | 10971723 | 141953822 | 2618253 | - | - | 83860 | 406897 | 7561201 | 1228586 | - | 944260 |
| 2008 | 2 | 530802 | 4482568 | 462001 | 331963 | 99212 | 48362 | 1428558 | 31699677 | 297897 | - | 6055955 | 3710094 | 14578174 | 9551400 | 4583370 | 103229095 | 4484690 | 2674487 | 2658243 | 22810 | 9297 | - | 4924065 | 806228 | 3783658 | 3984920 | 240093 | 10853415 | 136842264 | 2833690 | - | - | 80648 | 598873 | 7756723 | 1475605 | 1779 | 893614 |
| 2008 | 1 | 465278 | 4495546 | 473531 | 323628 | 96309 | 54127 | 1372404 | 27856150 | 838158 | - | 10987661 | 2962184 | 15562792 | 9585736 | 3850705 | 95846448 | 4416974 | 4475766 | 2490663 | 272228 | 12365 | - | 4574727 | 815758 | 3773041 | 4324899 | 149310 | 10847957 | 131601981 | 2660887 | - | 4381 | 633481 | - | 7776033 | 1735576 | 1802 | 963546 |
| 2007 | 4 | 482835 | 4474119 | 503660 | 274576 | 97421 | 53740 | 1298580 | 30525460 | 762094 | - | 6485564 | 1783013 | 14652312 | 10259560 | 3529444 | 95904058 | 4294878 | 4371313 | 3048612 | 304693 | 23523 | - | 4752167 | 816033 | 2333476 | 4668033 | 217887 | 12884467 | 126866791 | 1658434 | - | 9282 | 556090 | 605780 | 8243463 | 2004707 | 1803 | 944559 |
| 2007 | 3 | 412704 | 4541766 | 556143 | 283221 | 59661 | 55521 | 1131515 | 22304095 | - | 273853 | 7607270 | 3850904 | 12935200 | 10620615 | 2920545 | 95937714 | 5318130 | 3473168 | 2642353 | 316651 | 20577 | 91830 | 4664653 | 809276 | 2690427 | 4462639 | 403767 | 10472725 | 120199138 | 3947303 | - | 11482 | - | 260745 | 8204295 | 2418781 | 4141 | 961417 |
| 2007 | 2 | 502860 | 4581696 | 530418 | 280787 | 60798 | 61054 | 1094942 | 25558739 | - | 166674 | 5677983 | 1796399 | 14715444 | 9954726 | 2135802 | 89024303 | 5715976 | 2712113 | 2366545 | 374106 | 6651 | 41830 | 5731810 | 758334 | 2685279 | 5010068 | 351826 | 7633726 | 113195757 | 2391655 | - | 11508 | - | 1212209 | 9203294 | 2836899 | 8955 | 837834 |
| 2007 | 1 | 465263 | 4601263 | 485898 | 303823 | 61329 | - | 1118299 | 20561110 | - | 126442 | 4810048 | 2448061 | 14239819 | 9954244 | 2150377 | 89227876 | 5013367 | 3608072 | 2261808 | 488841 | 7834 | 41830 | 6158878 | 683968 | 2699525 | 4653286 | 184254 | 6949088 | 104793678 | 3678719 | 207450 | 11778 | - | 7028072 | 6781362 | 3272851 | 21131 | 775648 |
| 2006 | 4 | 433063 | 4503692 | 527282 | 286938 | 62982 | 59859 | 1021646 | 19921941 | - | - | 4857118 | 1233713 | 13581924 | 9367534 | 2040062 | 90334759 | 4336771 | 2482653 | 2249347 | 784527 | 2086 | 41610 | 7015261 | 798728 | 2767254 | 4495562 | 209800 | 7021779 | 104568715 | 1463133 | 211800 | 14199 | - | 5662529 | 5956175 | 3665824 | 32982 | 604790 |
Financial Quarter Income Statement
| year | qrt | Revenue | Income tax expense | Other income | Administrative/Operating expenses | Minority interest | Share of profit/ (loss) of associates | Gain/loss on disposal of subsidiaries | Impairment loss | Net income from Islamic banking business | Write back/(Allowances) for losses on loans, advance & financing | (Allowance)/Writeback of allowance for doubtful receivables | (Provision)/Writeback of provision for commitments & contigencies | After tax effect of finance cost on ESOS | Elimination of interest expense on RCULS | After tax effect of interest on exercise of warrants | After-tax effect of interest expense on Guaranteed Exchangeable Bonds | Share of net profit of jointly controlled entity | Losses/recoveries from asset management and securities services | Income from investment of proceeds from exercise of warrants in money market instruments | Interest income | Interest expense |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2012 | 1 | 3255553 | 318253 | 1141996 | 1792473 | 12302 | 31977 | - | 2011 | 375879 | 143785 | 10600 | 738 | - | - | - | - | 1823 | - | - | 3301229 | 1563551 |
| 2011 | 4 | 3380963 | 259804 | 1008474 | 1721926 | 12652 | 21460 | 250000 | 6387 | 362508 | 289204 | 3571 | 18234 | - | - | - | - | 5401 | 0 | - | 3356955 | 1596974 |
| 2011 | 3 | 3031492 | 272794 | 1011543 | 1700709 | 3120 | 34863 | - | 11140 | 357605 | 105721 | 7953 | 22230 | - | - | - | - | 9610 | 15000 | - | 3249382 | 1587038 |
| 2011 | 2 | 2959191 | 296901 | 952255 | 1661845 | 11013 | 32766 | - | 4115 | 347116 | 86244 | 2125 | 13066 | - | - | - | - | 14755 | - | - | 3117622 | 1457802 |
| 2011 | 1 | 2750383 | 299317 | 815800 | 1545432 | 16743 | 22070 | - | 778 | 340477 | 6174 | 491 | 1905 | - | - | - | - | 10106 | - | - | 2957553 | 1363447 |
| 2010 | 4 | 3185683 | 267065 | 1055956 | 1899417 | 3367 | 34491 | 20142 | 11655 | 462952 | 167627 | 16405 | 17363 | - | - | - | - | 2530 | 0 | - | 2950527 | 1303894 |
| 2010 | 3 | 2910818 | 235424 | 965985 | 1617854 | 33879 | 16392 | 0 | 2037 | 329511 | 145391 | 18812 | 2897 | - | - | - | - | 3056 | - | 1133 | 2844748 | 1229426 |
| 2010 | 2 | 3018763 | 237891 | 1036909 | 1634833 | 57622 | 14200 | 7076 | 10890 | 308531 | 122356 | 30762 | 50947 | - | - | - | - | 1798 | - | - | 2774981 | 1108734 |
| 2010 | 1 | 2787592 | 216450 | 954021 | 1508710 | 74216 | 21537 | - | 11776 | 229770 | 149825 | 12540 | 307 | - | - | 645 | - | 2164 | - | - | 2576625 | 972824 |
| 2009 | 4 | 2731255 | 200012 | 902351 | 1489298 | 90718 | 6159 | 0 | 67297 | 260129 | 203148 | 88213 | 26727 | - | - | - | - | 1012 | - | - | 2583286 | 1014511 |
| 2009 | 3 | 2786977 | 219112 | 899712 | 1439213 | 54846 | 17831 | 69549 | 2560 | 222602 | 245516 | 89913 | 34474 | - | - | - | - | 2536 | - | - | 2647433 | 1052319 |
| 2009 | 2 | 2589220 | 170728 | 924016 | 1414042 | 44672 | 1298 | 0 | 25741 | 163286 | 302302 | 19984 | 2762 | - | - | - | - | 3977 | - | - | 2618576 | 1116658 |
| 2009 | 1 | 2513578 | 174958 | 915425 | 1326589 | 50015 | 3583 | 30251 | 37783 | 160859 | 271639 | 34885 | 7579 | - | - | - | 89 | 230 | - | - | 2730891 | 1323848 |
| 2008 | 4 | 1882411 | 151207 | 485541 | 1095700 | 21669 | 39527 | 19723 | 38563 | 130869 | 262735 | 74832 | 660 | - | - | - | 89 | 616 | - | - | 2633924 | 1348200 |
| 2008 | 3 | 1683217 | 109287 | 449648 | 929662 | 14687 | 1664 | 0 | 2826 | 93234 | 167582 | 13524 | 10 | - | - | - | 83 | 638 | - | - | 2377969 | 1237634 |
| 2008 | 2 | 2157629 | 259902 | 911786 | 1035043 | 36775 | 3486 | 17716 | 9199 | 120389 | 175412 | 4154 | 1 | - | 13 | - | 79 | 1209 | - | - | 2262362 | 1154624 |
| 2008 | 1 | 2017256 | 182718 | 798539 | 1061400 | 30715 | 11216 | - | 2945 | 93298 | 188986 | 10566 | 57 | - | 13 | - | 80 | 790 | - | - | 2319278 | 1193859 |
| 2007 | 4 | 1958649 | 234922 | 767829 | 1084837 | 17881 | 2806 | 6437 | 11171 | 67558 | 116172 | 26681 | 1282 | 170 | 13 | - | 84 | 512 | - | - | 2330251 | 1200552 |
| 2007 | 3 | 2458162 | 139756 | 685482 | 965331 | 33677 | 7592 | 628451 | 61381 | 52373 | 358189 | 663 | 2 | 263 | 101 | - | 87 | 988 | - | - | 2242152 | 1150296 |
| 2007 | 2 | 2465466 | 220072 | 1206042 | 1164406 | 35980 | 3002 | - | 17352 | 109948 | 367488 | 2879 | 151 | 303 | 101 | - | 93 | 200 | - | - | 2302671 | 1153195 |
| 2007 | 1 | 2102855 | 176878 | 985153 | 987011 | 33364 | 104 | - | 2207 | 87949 | 285582 | 8478 | 8 | 367 | 102 | - | 417 | 1710 | - | - | 2227773 | 1198020 |
| 2006 | 4 | 2187538 | 130333 | 1088914 | 1198260 | 14044 | 26773 | - | 321 | 52157 | 416711 | 5427 | 1037 | 959 | 129 | - | 3629 | 1419 | - | - | 2317770 | 1271303 |
Financial Quarter Segments Revenue
| year | qrt | Investment Banking | Consumer Banking | Corporate & Investment Banking | Treasury & Investment | Asset Management & Insurance | Foreign Banking | Support & Others | Investment | Corporate Banking, Treasury and Markets |
|---|---|---|---|---|---|---|---|---|---|---|
| 2012 | 1 | 13442 | 1118868 | - | - | - | - | 23373 | 22862 | 605879 |
| 2011 | 4 | - | 619937 | 322560 | 4102 | 3760 | 860429 | 42603 | - | - |
| 2011 | 3 | - | 632591 | 303106 | 26392 | 3175 | 801722 | 51858 | - | - |
| 2011 | 2 | - | 641910 | 289922 | 23865 | 3008 | 802127 | 53282 | - | - |
| 2011 | 1 | - | 643490 | 307438 | 66736 | 2796 | 753958 | 46840 | - | - |
| 2010 | 4 | - | 458571 | 130960 | 327093 | 4483 | 764889 | 34089 | - | - |
| 2010 | 3 | - | 756629 | 358989 | 206125 | 5514 | 745620 | 45305 | - | - |
| 2010 | 2 | - | 778015 | 399402 | 245578 | 3798 | 765903 | 35293 | - | - |
| 2010 | 1 | - | 608362 | 323462 | 7456 | 3397 | 711596 | 35560 | - | - |
| 2009 | 4 | - | 647715 | 411365 | 99588 | 2757 | 634627 | 28101 | - | - |
| 2009 | 3 | - | 671130 | 268592 | 26190 | 3933 | 656798 | 35326 | - | - |
| 2009 | 2 | - | 670567 | 322861 | 83438 | 4567 | 588101 | 887 | - | - |
| 2009 | 1 | - | 664043 | 365761 | 98275 | 5058 | 483667 | 13211 | - | - |
| 2008 | 4 | - | 812092 | 393350 | 246513 | 2332 | 338507 | 12957 | - | - |
| 2008 | 3 | - | 686638 | 337315 | 15302 | 1020 | 196099 | 65435 | - | - |
| 2008 | 2 | - | 606687 | 279246 | 33239 | 58 | 184432 | 70963 | - | - |
| 2008 | 1 | - | 702477 | 293894 | 54619 | 1359 | 187994 | 5686 | - | - |
| 2007 | 4 | - | 663329 | 358314 | 50377 | 523 | 193431 | 35521 | - | - |
| 2007 | 3 | - | 654786 | 260575 | 18483 | 7840 | 194190 | 36546 | - | - |
| 2007 | 2 | - | 630427 | 231682 | 117723 | 8926 | 200532 | 52140 | - | - |
| 2007 | 1 | - | 645538 | 206615 | 6954 | 10189 | 201561 | 41104 | - | - |
| 2006 | 4 | - | 688241 | 283589 | 229223 | 4427 | 206100 | 93333 | - | - |
Financial Quarter Segments Profit
| year | qrt | Investment Banking | Consumer Banking | Corporate & Investment Banking | Treasury & Investment | Asset Management & Insurance | Foreign Banking | Support & Others | Investment | Corporate Banking, Treasury and Markets |
|---|---|---|---|---|---|---|---|---|---|---|
| 2012 | 1 | 14383 | 545528 | - | - | - | - | 48071 | 154672 | 640910 |
| 2011 | 4 | - | 278762 | 97198 | 603958 | 15999 | 436310 | 55118 | - | - |
| 2011 | 3 | - | 373245 | 182221 | 330242 | 11707 | 414230 | 68446 | - | - |
| 2011 | 2 | - | 392813 | 268339 | 189057 | 24610 | 410157 | 54568 | - | - |
| 2011 | 1 | - | 362158 | 259228 | 247344 | 17099 | 369670 | 55104 | - | - |
| 2010 | 4 | - | 902139 | 894268 | 403957 | 27594 | 367692 | 1484616 | - | - |
| 2010 | 3 | - | 179333 | 253884 | 347683 | 25575 | 385866 | 26816 | - | - |
| 2010 | 2 | - | 163024 | 297210 | 316650 | 29069 | 423516 | 60494 | - | - |
| 2010 | 1 | - | 199415 | 221431 | 278083 | 8016 | 429149 | 31046 | - | - |
| 2009 | 4 | - | 284683 | 240681 | 332145 | 12429 | 259705 | 43191 | - | - |
| 2009 | 3 | - | 143649 | 141405 | 385038 | 45120 | 298782 | 33573 | - | - |
| 2009 | 2 | - | 140426 | 171345 | 323458 | 50629 | 175791 | 14222 | - | - |
| 2009 | 1 | - | 130875 | 122243 | 483165 | 33213 | 95899 | 30292 | - | - |
| 2008 | 4 | - | 173697 | 245837 | 141035 | 66270 | 4357 | 11609 | - | - |
| 2008 | 3 | - | 215012 | 159305 | 112218 | 22464 | 91230 | 14332 | - | - |
| 2008 | 2 | - | 276123 | 226875 | 381994 | 22086 | 102753 | 67704 | - | - |
| 2008 | 1 | - | 53968 | 252926 | 348278 | 11553 | 96534 | 4067 | - | - |
| 2007 | 4 | - | 4908 | 450954 | 270912 | 40249 | 94134 | 29995 | - | - |
| 2007 | 3 | - | 529032 | 69184 | 783283 | 30133 | 77016 | 766104 | - | - |
| 2007 | 2 | - | 277455 | 406454 | 534423 | 65286 | 110275 | 480703 | - | - |
| 2007 | 1 | - | 273636 | 319049 | 437840 | 54963 | 103220 | 364725 | - | - |
| 2006 | 4 | - | 195601 | 220689 | 597681 | 74042 | 76716 | 598305 | - | - |
Financial Quarter Segments Associate
| year | qrt | Investment Banking | Consumer Banking | Treasury & Investment | Asset Management & Insurance | Foreign Banking | Support & Others | Investment |
|---|---|---|---|---|---|---|---|---|
| 2012 | 1 | 119 | 8470 | - | - | - | - | 25449 |
| 2011 | 4 | - | 1353 | 5494 | 64 | 19950 | - | - |
| 2011 | 3 | - | 557 | 11352 | 6210 | 26354 | - | - |
| 2011 | 2 | - | 3497 | 12375 | 11258 | 20391 | - | - |
| 2011 | 1 | - | 3952 | 1902 | 4617 | 21705 | - | - |
| 2010 | 4 | - | 3309 | 13534 | 75 | 20254 | 1 | - |
| 2010 | 3 | - | 3028 | 3914 | 475 | 12980 | 1 | - |
| 2010 | 2 | - | 1664 | 3522 | 338 | 11151 | 1 | - |
| 2010 | 1 | - | 2448 | 10551 | 312 | 10201 | 813 | - |
| 2009 | 4 | - | 115 | 14003 | - | 20010 | 1049 | - |
| 2009 | 3 | - | 2536 | 13100 | 915 | 3170 | 646 | - |
| 2009 | 2 | - | 3977 | 3901 | 448 | 2230 | 821 | - |
| 2009 | 1 | - | 230 | 1126 | 467 | 2257 | 667 | - |
| 2008 | 4 | - | 616 | 4990 | 4143 | 39545 | 865 | - |
| 2008 | 3 | - | 638 | 1501 | 915 | 1977 | 273 | - |
| 2008 | 2 | - | 1209 | 605 | 1110 | 2248 | 733 | - |
| 2008 | 1 | - | 790 | 11967 | 933 | 1566 | 118 | - |
| 2007 | 4 | - | 512 | 2386 | 2031 | 1514 | 97 | - |
| 2007 | 3 | - | 988 | 495 | 1620 | 4564 | 913 | - |
| 2007 | 2 | - | 200 | 808 | 1753 | - | 441 | - |
| 2007 | 1 | - | 1710 | - | 484 | - | 380 | - |
| 2006 | 4 | - | 1419 | 415 | 3602 | - | 22756 | - |
Short form reference
a_date = announcement date, yr = financial year end, qrt = quarter
h_price = stock highest price during the quarter, l_price = stock lowest price during the quarter
div = dividend recommend or declare in the quarter, roe = return on equity
c_roe = cumulative of return on equity during the financial year
rev = revenue in the current quarter, c_rev = cumulative of revenue during the financial year
pbt = profit before tax in the current quarter, c_pbt = cumulative of profit before tax during the financial year
eps = earnings per share in the current quarter, c_eps = cumulative of earnings per share during the financial year
asset = total asset, liab = total liability, mino = minority interest, equi = total equity
cfo = net cash flow from operating activities, cfi = net cash flow from investing activities
cff = net cash flow from financing activities, cash = cash and cash equivalents as at beginning of financial year
final = cash and cash equivalents as at current financial period ended
share = diluted/basic weighted average number of ordinary shares
c_share = cumulative of diluted/basic weighted average number of ordinary shares during the financial year
m_cap = market capital at announcement date of quarterly report, date = current financial period ended date
prof_m = profit margin, vat = income tax rate, pe = price earning per share ratio of recent four quarter
navps = net asset value per share, ntaps = net tangible asset per share, cps = cash per share
l_cur = liquidity current ratio, l_qui = liquidity quick ratio, l_cash = liquidity cash ratio
g_de = gearing debt to equity ratio, g_da = gearing debt to assets ratio
avg_w = working capital per thousand Ringgit sale
inv_d = days to sell the inventory, rec_d = days to collect the receivables
pay_d = days to pay the payables
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