Banking Sector Remains Resilient Amidst Economic Fluctuations
Banking Sector Remains Resilient Amidst Economic Fluctuations
RHB Investment Bank (RHB) released its latest update on Malaysia's banking sector, highlighting robust loan growth, deposit dynamics, and Gross Impaired Loan (GIL) developments.
RHB投資銀行（RHB）發佈了馬來西亞銀行業的最新動態，重點介紹了強勁的貸款增長、存款動態和總減值貸款（GIL）的發展。
Overall loan growth remained strong at +5.8% year-on-year, with retail loans leading the charge at +7.9% year-on-year, indicating continued resilience amidst economic fluctuations. Business loans, while showing flat sequential month growth, maintained stability across varying sectors.
整體貸款增長保持強勁，同比增長5.8％，零售貸款同比增長7.9％，這表明在經濟波動中持續保持彈性。商業貸款雖然環比增長持平，但各行各業保持穩定。
May 24 witnessed a significant surge in loan applications, the highest since October 2023, with an approval rate of 50%, underscoring positive liquidity and promising Net Interest Margin (NIM) outlooks.
5月24日，貸款申請大幅增加，爲2023年10月以來的最高水平，批准率爲50％，這凸顯了積極的流動性和良好的淨利率（NIM）前景。
Deposits saw a +5.0% year-on-year increase, driven primarily by robust growth in Current Account Savings Account (CASA) deposits, which rebounded by +7.4% year-on-year, signalling renewed investor confidence.
存款同比增長5.0％，這主要是由經常帳户儲蓄帳户（CASA）存款的強勁增長所推動，該存款同比反彈了7.4％，這表明投資者信心得到恢復。
The GIL ratio held steady at 1.63%, with mixed performances across sectors. While some segments saw slight deteriorations, improvements were notable in others, such as Personal Financing, Construction, Residential Property, and Credit Cards.
GIL比率穩定在1.63％，各行各業的表現好壞參半。儘管一些細分市場略有惡化，但其他細分市場的改善卻顯著，例如個人融資、建築、住宅物業和信用卡。
Interest rates remained stable, supporting the sector's growth momentum amidst prevailing economic uncertainties.
在當前的經濟不確定性下，利率保持穩定，支撐了該行業的增長勢頭。
Investors are advised to consider the sector's fundamental strengths, including strong liquidity, promising loan growth, and attractive dividend yields, amidst recent profit-taking activities that have enhanced sector valuations.
在最近的獲利回吐活動提高了行業估值的情況下，建議投資者考慮該行業的基本優勢，包括強勁的流動性、有希望的貸款增長和誘人的股息收益率。
Potential risks include challenges in asset quality, an economic slowdown impacting loan uptake, and increased deposit competition potentially leading to NIM compression.
潛在風險包括資產質量的挑戰、影響貸款吸收的經濟放緩以及可能導致NIM壓縮的存款競爭加劇。
Top recommendations from RHB include Public Bank and HL Bank, backed by strong dividend yields and robust asset quality metrics.
RHB的主要建議包括大衆銀行和HL Bank，以強勁的股息收益率和強勁的資產質量指標爲後盾。
譯文內容由第三人軟體翻譯。