• Return on Equity (ROE)

    10.9%
    FY17
    11.4%
    FY18

    Return on Equity (ROE)

    Objective: To deliver a reasonable return while balancing the need to maintain a healthy capital base. ROE is defined as profit attributable to shareholders over the average shareholders’ equity (comprising share capital, retained earnings and other reserves) for the financial year.

    FY2018 Target:~11%


  • Group Loans Growth

    1.7%
    FY17
    4.8%
    FY18

    Group Loans Growth

    Objective: To grow our financing business across the Group, in a profitable and responsible manner.

    Target: In line with economic growth of home markets.


  • Group Deposits Growth

    1.8%
    FY17
    5.6%
    FY18

    Objective: To strengthen our deposit base to fund our selective asset growth across key markets.

    Target: In line with loans growth.


  • Women in Senior Management

    36%
    FY17
    38%
    FY18

    Women in Senior Management

    Objective: To support the leadership development of our female employees in senior roles across the Group and drive greater diversity in top management.


The 2018 Key Performance Indicators are available on page 31 of the Annual Report 2018.

  • Dividend Payout Ratio

    78.5%
    FY17
    77.3%
    FY18

    Dividend Payout Ratio

    Objective: To provide good returns to shareholders with a 40%-60% dividend payout policy rate.

    Target: 40%-60%


  • Cost-to-Income Ratio

    48.6%
    FY17
    47.4%
    FY18

    Cost-to-Income Ratio

    Objective: To ensure cost is managed effectively and to maintain a slower cost growth against revenue over the long-term.

    FY2018 Target~48%


  • Total Capital Ratio

    19.383%
    FY17
    19.024%
    FY18

    BNM Requirement9.875%*

    Objective: To maintain a strong capital base by adopting prudent capital management and be ahead of Bank Negara Malaysia's minimum regulatory requirements.

    * Includes Capital Conservation Buffer of 1.875% for 2018


  • Succession Realisation for Mission Critical Positions

    93%
    FY17
    86%
    FY18

    Succession Realisation for Mission Critical Positions

    Objective: To measure the effectiveness of the Group’s succession management process, whereby the focus is on realising our talents’ potential to take up pivotal roles within the Group

    Target:80%


The 2018 Key Performance Indicators are available on page 31 of the Annual Report 2018.