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RAM Ratings co-head of Financial Institution Ratings Wong Yin Ching

KUALA LUMPUR: Malaysian banks’ third quarter (Q3 21) net interest margins (NIMs) suffered a squeeze from the previous quarter, crimped by another round of modification losses.

Much smaller in quantum compared to last year’s, the expenses were triggered by the opt-in loan moratorium introduced in early July 2021 under the government’s Pemulih fiscal package, RAM Rating Services Bhd said.

“Modification charges shaved roughly eight basis points (bps) off the average NIM of eight selected local banking groups in Q3 21 to 2.21%.

Excluding these losses, NIM would still have contracted three bps as the bulk of term deposits had been fully repriced at lower rates by the first half of 2021 and current and savings account deposit growth further lost steam.

The three month interest waiver under the Financial Management and Resilience Programme for eligible borrowers under relief in the bottom 50% (B50) income bracket poses further downside risk to NIMs but the impact is likely to be small,” says Wong Yin Ching, RAM’s co-head of financial institution ratings, in conjunction with the publication of the Banking Quarterly Roundup.

Thanks to repayment assistance measures, the banking system’s gross impaired loan (GIL) ratio clocked in at a low of 1.57% as at end-October 2021 (end-December 2020:1.56%).Banks Malaysian Maybank RHB, Public Cimb

Based on data obtained at the recent bank results briefings, RAM said the average proportion of the eight banks’ domestic loans under relief or restructuring and rescheduling programmes more than doubled to 28% following the rollout of the Pemulih loan moratorium.

“We do not consider this an indication of a sharp and widespread deterioration in loan quality in the banking system.

The surge was partly due to the more flexible eligibility criteria under which all non-impaired retail and small and medium enterprise applicants will be granted automatic approval by banks.

“The high proportion of assisted loans without arrears and applicants in the top 20% income bracket corroborates our view.

“We understand that the proportion of loans under relief peaked in September 2021 and banks have already seen markedly fewer applications in recent weeks,” Wong noted.

Despite the still benign GIL ratio, banks are proactively building up provisioning buffers in anticipation of higher defaults when forbearance measures are gradually lifted.

Six of the eight banks reported more moderate loan provisioning expenses quarter-on-quarter (q-o-q), although the average credit cost ratio was nudged up to 55 bps in Q3 21 (Q2 21: 52 bps; 2020: 84 bps) by the sizeable management overlay of a large bank.


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