1. Who was the largest bank in Total Assets on 31 Sep 2016?
RM715b = MBB
RM486b = CIMB
RM386b = PBB
RM229b = RHB
RM189b = HLBB
RM124b = AMMB
RM67b = AFFIN
RM57b = BIMB
RM54b = AFG
(to give perspective, MBB is as big as the combination of HLBB + AMMB + AFFIN + BIMB +AFG)
2. Who made the most money in the 3 months ending 31 Sep 2016?
RM1.86b = MBB
RM1.25b = PBB
RM1.05b = CIMB
RM0.54b = HLBB
RM0.51b = RHB
RM0.38b = AMMB
RM0.17b = AFG
RM0.14b = AFFIN
RM0.11b = BIMB
(bolded those that not in line with Total Assets size ranking)
3. Who was most efficient in generating profit from their Total Assets during the period?
1.30% = PBB
1.25% = AFG
1.21% = AMMB
1.15% = HLBB
1.04% = MBB
0.89% = RHB
0.86% = CIMB
0.86% = AFFIN
0.77% = BIMB
(unadjusted numbers, simply net profit/total asset annualised)
4. Who was most efficient in generating profits from their shareholder’s equity during the period?
14.8% = PBB
13.6% = AFG
11.0% = MBB
10.0% = BIMB
9.9% = HLBB
9.4% = RHB
9.2% = CIMB
9.1% = AMMB
6.5% = AFFIN
(unadjusted numbers. Simply net profit/total equity annualised). (ranking different from #3 highlighted)
5. Net interest margins estimates and ranking
2.58% = CIMB
2.52% = BIMB
2.22% = AFG, MBB
2.17% = PBB
2.15% = RHB
2.01% = HLBB
1.92% = AMMB
1.64% = AFFIN
(company reports. Estimates by CHOK KWAN TSONG. Guesstimates. May be wrong)
6. Who has the largest loan book on 30 Sep 2016?
RM461b = MBB
RM304b = CIMB
RM288b = PBB
RM153b = RHB
RM121b = HLBB
RM87b = AMMB
RM43b = AFFIN
RM39b = AFG
RM38b =BIMB
(very in line with ranking in #1 except for the 2 highlighted)
7. Who gave out the most loans in the 3 months ending 30 Sep 2016? Ranking by absolute numbers.
RM10.10b = MBB
RM6.73b = CIMB
RM4.80b = PBB
RM1.23b = RHB
RM0.79b = BIMB
RM0.64b = AFG
RM0.37b = HLBB
RM0.26b = AMMB
(RM0.17b) = AFFIN
(estimates by CHOK KWAN TSONG) (highlighted those with ranking not in line with #6)
8. How are they ranked versus their loan book size by ranking? Aka loans growth for the quarter.
+2.26% = CIMB
+2.24% = MBB
+2.14% = BIMB
+1.69% = PBB
+1.66% = AFG
+0.81% = RHB
+0.31% = HLBB
+0.29% = AMMB
-0.39% = AFFIN
9. How good are the loans in term of quality? Ranking of Gross impaired loan ratios.
0.52% = PBB
0.84% = HLBB
0.94% = AFG
1.09% = BIMB
1.64% = AMMB
2.08% = AFFIN
2.22% = MBB
2.25% = RHB
3.21% = CIMB
(low number means good quality)
10. How were their asset quality stacked against themselve versus previous quarter? (drop = improved) (from best improvement to deterioration)
-23bps = AFG
-12bps = MBB
-6bps = AMMB
+3bps = PBB
+3bps = BIMB
+4bps = HLBB
+5bps = CIMB
+9bps = AFFIN
+20bps = RHB
11. How about deposits? Who has the largest deposit base on 30 Sep 2016?
RM478b = MBB
RM337b = CIMB
RM318b = PBB
RM166b = RHB
RM149b = HLBB
RM83b = AMMB
RM49b = AFFIN
RM46b = AFG
RM41b = BIMB
(i did not segregate whether it is retail or wholesale deposits, i took the headline figure, thanks.)
12. Who attracted the most deposits in the 3 months period?
+RM20.59b = CIMB
+RM6.40b = PBB
+RM2.77b = AFFIN
+RM2.27b = BIMB
+RM1.86b = RHB
+RM1.31b = AFG
+RM0.75b = HLBB
-RM1.61b = MBB
-RM3.47b = AMMB
(i did not segregate whether it is retail or wholesale deposits, i took the headline figure, thanks.)
13. How they ranked in term against their deposit base? A.k.a deposit growths for the quarter.
+6.52% = CIMB
+5.97% = AFFIN
+5.85% = BIMB
+2.92% = AFG
+2.05% = PBB
+1.13% = RHB
+0.51% = HLBB
-0.34% = MBB
-4.00% = AMMB
14. How much in term of percentage did they lend out from their deposit base? Ranking by lowest first.
80.3% = HLBB
83.9% = AFG
86.5% = AFFIN
88.2% = CIMB
90.2% = PBB
90.4% = BIMB
91.0% = RHB
95.0% = MBB
103.4% = AMMB
15. Who set aside the most in loan loss provisioning? Highest first.
167.7% = BIMB
112.6% = HLBB
109.5% = PBB
101.9% = AFG
83.5% = AMMB
80.6% = CIMB
74.9% = MBB
59.7% = AFFIN
56.4% = RHB
16. Back to net profit, who has the highest jump in net profits in the quarter? By percentage.
+55.3% = MBB
+45.9% = RHB
+32.1% = AFG
+19.2% = CIMB
+4.2% = AMMB
+3.1% = AFFIN
-1.4% = PBB
-3.1% = HLBB
-31.0% = BIMB
17. Cost to income ratio ratio. Lowest first.
33% = PBB
45% = HLBB
47% = AFG
49% = MBB
51% = RHB
53% = CIMB
55% = AMMB
57% = BIMB
57% = AFFIN
