• 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.