• Return on Equity

    12.2%
    FY15
    10.6%
    FY16

    Revised Target11%-12%

    Initial Target: 13-14% | Aim: To deliver a reasonable return while balancing the need to maintain a healthy capital base. Return of Equity (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.

    Achievement10.6%

    Achievement: Group ROE of 10.6% came in line with revised targets on the back of core revenue growth and low cost growth. We remained profitable despite the weaker operating environment.


  • Group Loans Growth

    12.0%
    FY15
    5.7%
    FY16

    Revised Target8-9%

    Initial Target: 8-9% | Aim: To grow our financing business across the Group, with a profitable and responsible approach.

    Achievement5.7%

    Group loans growth of 5.7% surpassed the revised target of 2.0%-3.0%, driven by improved growth in Global Banking (GB) and stable growth in our retail franchise across home markets.


  • Malaysia Loans Growth

    5.3%
    FY15
    6.3%
    FY16

    Revised Target4%-5%

    Initial Target: 6-7% | Aim: To deliver financing growth in our Malaysia market that is slightly above industry growth.

    Achievement6.3%

    Loans growth of 6.3%, slightly ahead of industry growth of 5.3% on the back of growth in consumer, Small and Medium-Sized Enterprise (SME) and corporate banking lending.


    Industry Growth: 7.9%
  • Indonesian Loans Growth

    5.0%
    FY15
    8.7%
    FY16

    Revised Target6-7%

    Initial target: 11-13% | Aim: To grow loans on par or slightly ahead of industry.

    Achievement6.0%

    Loans grew by 8.7% YoY driven by an expansion in GB as we continued re-profiling our Indonesian portfolio in line with our risk appetite for high quality credit. CFS growth was supported by lending in SME & commercial segments.


    Industry Growth: 7.8%

The 2016 Key Performance Indicators are available on page 42 of the Annual Report 2016.

  • Dividend Payout Ratio

    76.3%
    FY15
    78.1%
    FY16

    2016 Target40%-60%

    Aim: To provide a satisfactory return to shareholders with the 40.0%-60.0% dividend policy rate.

    Achievement76.3%

    With a Dividend Payout Ratio of 78.1%, we have exceeded the 40.0%-60.0% policy rate. We delivered a higher dividend payout than the previous year, in spite of the softer operating environment


  • Group Deposits Growth

    12.8%
    FY15
    5.2%
    FY16

    Revised Target3-4%

    Initial Target: 10-11%. | Aim: To strengthen our deposit base to fund out selective asset growth across key markets.

    Achievement5.2%

    Group deposits growth of 5.2% was ahead of revised target range on the back of strong current and savings accounts growth in home markets.


  • Singapore Loans Growth

    6.0%
    FY15
    4.5%
    FY16

    Revised Target2%-3%

    Initial Target: 3%-4% | Aim: To deliver financing growth ahead of the industry by focusing on the niche markets and cross-border financing opportunities.

    Achievement4.5%

    Loan grew 4.5% YoY, ahead of industry growth mainly driven by expansion in GB and stable growth in Community Financial Services (CFS).


    Industry Growth: 0.5%
  • Total Capital Ratio

    17.74%
    FY15
    19.293%
    FY16

    BNM Requirement8.625%

    Aim: To maintain a strong capital base by adopting prudent capital management to be ahead of Bank Negara Malaysia’s (BNM) minimum regulatory requirements.

    Achievement17.74%

    Total capital ratio of 19.293%, well above the minimum regulatory requirement of 8.625% set by BNM.


The 2016 Targets and Talent Indicators are available on page 43 of the Annual Report 2016.