Bank Islam's 1H Net Profit Rises To RM266 Million, ROE Improves To 7.4%
Bank Islam's 1H Net Profit Rises To RM266 Million, ROE Improves To 7.4%
Growth in gross financing was driven by a y-o-y increase of 4.4% in consumer financing and 7.6% in commercial financing. However, a decline in corporate financing has resulted in total gross financing registering at 2.7% y-o-y to RM68.1 billion.Bank Islam Malaysia Berhad recorded a net profit of RM266.3 million for the six months ended 30 June 2024 (1H2024), an increase of 4.8% over the corresponding period in 2023. This performance translated into improved annualised net Return on Equity (ROE) of 7.4% and Earnings per Share (EPS) of 11.75 sen against 1H2023.
马来西亚伊斯兰银行Berhad在2024年6月30日结束的六个月内录得了2.663亿令吉的净利润（1H2024），相比2023年同期增长了4.8%。这一表现转化为改善的年化净资产收益率（ROE）为7.4%，每股收益（EPS）为11.75仙，对比1H2023年。
The increase in net profit was driven by higher net income and lower net allowance for impairment on financing, offset by higher total overheads. The Group's net income increased mainly due to higher net fund-based income, which improved by 5.8% to RM1.07 billion, driven by year-on-year (y-o-y) financing and investment securities growth. Net income margin (NIM) has also improved nine (9) basis points (bps) to 2.17% for 1H2024 compared to 2.08% recorded in 1H2023. However, the Group's non-fund-based income has decreased by RM28.9 million or 14.1%, mainly due to lower investment income.
净利润增长主要是由于较高的净收入和较低的拨备金融损失，抵消了较高的总开销。该集团的净收入主要是由于较高的基金收入提高了5.8%至107亿令吉，年度融资和投资证券增长推动。净收入利润率（NIM）亦由2024年上半年的2.08%提高至2.17%，增长了9个基点（bps）。然而，该集团的非基金收入减少了2890万令吉，或者下降了14.1%，主要是由于投资收入减少。
Net allowance for impairment on financing and advances decreased by 37.3% to RM77.5 million, and the financing credit cost ratio was 0.23% compared to 0.38% recorded at 1H2023. As of 30 June 2024, the gross impaired financing ratio was 0.92%, remaining below the industry average of 1.60%.Total assets grew by 6.4% y-o-y to RM93.0 billion as of 30 June 2024, spurred by the growth in financing and investment securities. Net assets per share registered higher at RM3.35 compared to 1H2023.
贷款和垫款减值拨备减少了37.3%，至7750万令吉，融资信贷成本率为0.23%，与1H2023记录的0.38%相比。截至2024年6月30日，总拨款比率为0.92%，仍低于行业平均水平1.60%。截至2024年6月30日，总资产较去年同期增长了6.4%，达到930亿令吉，融资和投资证券增长推动。每股净资产比1H2023年的3.35令吉有所提高。
Growth in gross financing was driven by a y-o-y increase of 4.4% in consumer financing and 7.6% in commercial financing. However, a decline in corporate financing has resulted in total gross financing registering at 2.7% y-o-y to RM68.1 billion.
消费者融资增长推动总融资同比增长4.4%，商业融资增长7.6%。然而，公司融资下降导致总体融资同比增长2.7%，达到681亿令吉。
Customer deposits and investment accounts increased by 8.5% y-o-y to RM78.5 billion. Current, saving and transactional investment accounts (CASATIA) stood at RM29.1 billion at the end of June 2024, translating into a healthy CASATIA composition of 37.0%.
客户存款和投资账户截至2024年6月底同比增长8.5%，达到785亿令吉。截至2024年6月底，活期、储蓄和交易投资账户（CASATIA）达到291亿令吉，构成健康的CASATIA比例为37.0%。
Total Capital Ratio remained strong at 19.4% as of 30 June 2024. Bank Islam Group Chief Executive Officer Dato' Mohd Muazzam Mohamed reaffirmed the Group's unwavering commitment to long-term financial stability through balanced strategic growth and prudent asset management.
截至2024年6月30日，总资本比率保持强劲，为19.4%。马来西亚伊斯兰银行集团首席执行官莫哈末·姆阿扎姆·莫哈末重申了集团通过平衡的战略增长和谨慎的资产管理来维持长期金融稳定的坚定承诺。
