CIMB THAI Net Profit Falls By 5.4% To RM167.2 Million For First Half, 2024
CIMB THAI Net Profit Falls By 5.4% To RM167.2 Million For First Half, 2024
This was due to higher fee and service expenses, and a THB 139.7 million or 2.9% decline in net interest income. Other operating income rose THB 49.6 million, up 3.1%, driven from net gains on financial instruments measured at fair value through profit or loss and partially offset by lower gains on sale of non-performing loans.CIMB Thai Group recorded a consolidated net profit of THB1,294.6 million (RM 167.2 Million), a year-on-year ( "YoY") decrease of THB74.3 million or 5.4%, while profit before tax (PBT) decreased by THB 117.2 million or 6.8% YoY to THB 1,611.0 million.
CIMb Thai集团录得129460万泰铢（16720万令吉）的综合净利润，同比下降7430万泰铢或5.4%，而税前利润（PBT）则同比下降11720万泰铢或6.8%至161100万泰铢。
The decline was mainly from a 1.7% contraction in operating income and a 7.7% increase in operating expenses, partially offset by a 22.7% decline in expected credit loss (ECL), the bank said in a statement today.
该银行在今天的声明中表示，收入萎缩1.7%，营业费用上涨了7.7%，导致综合下滑，但预计信贷损失（ECL）下降了22.7%。
Meanwhile, on a YoY basis, CIMB Thai Group's consolidated operating income declined THB 118.4 million or 1.7% to THB 7,038.3 million from lower net fee and service income of THB 28.3 million.
与去年同期相比，CIMb Thai集团的综合营业收入下降了11840万泰铢或1.7%，至703830万泰铢，主要是因为净手续费和服务收入下降了2830万泰铢。
This was due to higher fee and service expenses, and a THB 139.7 million or 2.9% decline in net interest income. Other operating income rose THB 49.6 million, up 3.1%, driven from net gains on financial instruments measured at fair value through profit or loss and partially offset by lower gains on sale of non-performing loans.
这是由于手续费和服务费用上涨，而净利息收入下降了13970万泰铢或2.9%。其他营业收入增加了4960万泰铢，同比增长3.1%，因为公允价值计入损益类金融工具净收益增加，部分抵消了不良贷款出售收益下降。
Operating expenses rose by THB 312.0 million YoY or 7.7%, mainly from higher impairment loss on properties for sale as well as taxes and duties, but partially offset by lower employee expenses. This resulted in a higher cost to income ratio of 62.0% in 6M2024, compared to 56.6% in 6M2023.
营业费用同比上涨31200万泰铢或7.7%，主要是由于待售物业减值损失和税收和税费上涨，但员工支出下降。这导致2024年上半年成本收入比率提高至62.0%，而2023年上半年为56.6%。
Net interest margin (NIM) over earning assets stood at 2.2% in 6M2024, compared to 2.7% in 6M2023, as a result of higher cost of funds.
6M2024净利息收益率为2.2%，而6M2023为2.7%，成本上涨导致。
As at 30 June 2024, total gross loans (inclusive of loans guaranteed by other banks and loans to financial institutions) stood at THB 251.4 billion, an increase of 2.6% from 31 December 2023.
截至2024年6月30日，总毛贷款（包括其他银行担保的贷款和向金融机构的贷款）达到2514亿泰铢，比2023年12月31日增长2.6%。
Deposits (inclusive of bills of exchange, debentures and selected structured deposit products) stood at THB 316.1 billion, an increase of 1.8% from THB 310.4 billion as at end of December 2023. The modified loan to deposit ratio was higher at 79.5%, compared to 78.9% as at 31 December 2023.
存款（包括汇票、债券和选择的结构性存款产品）为3161亿泰铢，比2023年12月31日的3104亿泰铢增长1.8%。所修改的贷款存款比率较高，为79.5%，而2023年12月31日的比率为78.9%。
Gross non-performing loans ("NPL") stood at THB 7.5 billion, with a lower equivalent gross NPL ratio of 2.9% compared to 3.3% as at 31 December 2023. The lower NPL ratio was mainly attributed to the sale of several NPLs in 2024, improvement in efficiency on risk management policies and asset quality management, as well as loan collection processes.
不良贷款总额为75亿泰铢，而不良贷款比率则由2023年12月31日的3.3%下降至2.9%。较低的不良贷款比率主要归因于2024年出售了几笔不良贷款、风险管理政策和资产质量管理效率改进以及贷款收回流程。
CIMB Thai's loan loss coverage ratio as at 30 June 2024 stood at 129.1% compared to 124.2% at the end of December 2023. Total allowance for expected credit losses stood at THB 9.1 billion, THB 1.5 billion over the Bank of Thailand's reserve requirements.
CIMb Thai的贷款损失拨备覆盖率截至2024年6月30日为129.1%，而2023年12月底为124.2%。预计信贷损失拨备总额为91亿泰铢，比泰国银行的准备金要求高15亿泰铢。
Total consolidated capital funds as at 30 June 2024 stood at THB 59.3 billion. The BIS ratio stood at 20.8%, of which 15.5% comprised Tier-1-capital.
截至2024年6月30日，总资本基金为593亿泰铢。BIS比率为20.8%，其中15.5%为一级资本。
For the remainder of 2024, CIMB Thai Bank will expedite its strategy to become a "Digital-led Bank with ASEAN Reach", which leverages the Bank's strengths in ASEAN, digitalization, wealth management, consumer finance, and sustainability.
自2024年起，CIMb Thai银行将加速实施其战略，成为一个“以数字为主导的东盟银行”，利用银行在东盟、数字化、财富管理、消费金融和可持续性等方面的优势。
"Our key strategy is to create a digital ecosystem that enhances our services in the modern world
“我们的主要战略是创建一个数字生态系统，提高我们在现代世界中的服务水平。”
through the CIMB THAI mobile banking app. Recently, we introduced new features that allow customers to open investment accounts, monitor investment portfolios, and invest in the secondary bond market 24 hours a day, anytime and anywhere. In addition, FixedD, our fully digital and paperless fixed deposit solution offering good returns and high flexibility, was launched on the CIMB Thai app. in May 2024.
“通过CIMb THAI移动银行应用程序，我们最近推出了新功能，允许客户24小时不间断地开立投资账户、监控投资组合并在二级债券市场投资。此外，我们的全数字无纸压线存款方案FixedD于2024年5月在CIMb Thai应用程序上推出。”
"This aligns with our concept of 'It's Simpler This Way!', making our banking app simpler, customisable, and comprehensive in one platform.
“这与我们的"It's Simpler This Way!"概念相一致，将银行应用程序简化、可定制、全面化于一身。”
"We have also expanded our service channels through a partnership with TrueMoney, a leading digital financial service provider in Southeast Asia. This collaboration opens a new channel that offers opportunities for customers to invest in the secondary bond market. We carefully select and offer highquality bonds, making them conveniently accessible through the TrueMoney application," said Paul Wong Chee Kin, President and Chief Executive Officer, CIMB Thai Bank PCL (CIMB Thai) said.
“我们还通过与TrueMoney合作，扩大了我们的服务渠道。TrueMoney是东南亚领先的数字金融服务提供商。这种合作开启了一个新的渠道，为客户投资二级债券市场提供机会。我们精选高质量债券，使它们通过TrueMoney应用程序更加便捷地获取。”CIMb Thai银行PCL（CIMb Thai）的总裁兼首席执行官Paul Wong Chee Kin表示。
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