FY 2026 · Q1 Performance
Financial Overview
Total Assets
$284.6B
▲ 3.2% vs Q4 2025
Net Revenue
$12.8B
▲ 7.4% vs Q1 2025
ROE
14.7%
▲ 1.1pp vs Q1 2025
NPL Ratio
2.14%
▲ 0.3pp vs Q4 2025
Revenue & NII Trend
Total Revenue
NII
Fee Income
System Alerts
View All →
Basel III LCR Breach — Threshold Warning
LCR at 98.4% · Minimum regulatory threshold 100%
09:31
FX Exposure Limit Approaching
EUR/USD position at 87% of approved limit
08:55
IFRS 9 ECL Model Update Scheduled
Monthly recalibration due 01 May 2026
08:12
Settlement Delay — Wire Transfer Batch
Batch ID: WT-88291 · 14 transactions pending
07:44
Quarterly Close Initiated
Q1 2026 period close workflow started
07:00
Business Segment P&L
Details →
Capital Adequacy
Min: 4.5%
▲ Comfortable
Min: 6.0%
▲ Strong
Min: 8.0%
▲ Excess: 9.6pp
Min: 3.0%
◆ Monitor
Efficiency Metrics
COST-TO-INCOME
48.3%
▼ Improved
Target: <50%
NIM
2.84%
▲ +12bps
vs Q4 2025
ROA
1.12%
▲ +8bps
vs Q1 2025
LDR
74.2%
◆ Stable
Optimal: 75–85%
Accounting · Period: March 2026
General Ledger
+ New Journal
Total Debits
$8.74B
▲ 2.1% MTD
Total Credits
$8.74B
✓ Balanced
Journal Entries
4,821
342 today
Exceptions
7
▲ Needs review
Account Balances — Chart of Accounts
| Acct No. | Description | Type | Debit | Credit | Balance | Status |
|---|---|---|---|---|---|---|
| 1001 | Cash & Central Bank Reserves | Asset | 42,814,200 | – | 42,814,200 | Posted |
| 1102 | Interbank Placements | Asset | 18,400,000 | – | 18,400,000 | Posted |
| 1203 | Securities — AFS Portfolio | Asset | 92,340,800 | 4,200,000 | 88,140,800 | Posted |
| 1410 | Loans & Advances — Corporate | Asset | 124,000,000 | 8,200,000 | 115,800,000 | Pending |
| 2001 | Customer Deposits — Demand | Liability | – | 168,200,000 | (168,200,000) | Posted |
| 2102 | Subordinated Debt | Liability | 2,000,000 | 28,500,000 | (26,500,000) | Posted |
| 3001 | Share Capital | Equity | – | 40,000,000 | (40,000,000) | Posted |
| 4001 | Interest Income — Loans | Revenue | – | 9,840,200 | (9,840,200) | Exception |
Trial Balance
BALANCED
3
TYPES
Assets
$284.6B
Liabilities
$231.2B
Equity
$53.4B
Period Close Status
Journal Entry Cutoff
Complete
Intercompany Elim.
Complete
IFRS 9 ECL Calc
In Progress
Tax Provisioning
In Progress
CFO Approval
Pending
60% Complete · Est. completion 03 May 2026
Risk Management · Regulatory Affairs
Risk & Compliance
3 CRITICAL ALERTS
Export Report
VaR (99%, 1d)
$428M
▲ $44M vs limit
LCR
98.4%
▼ Below 100% min
NSFR
112.8%
▲ Above 100% req
Compliance Score
94.2%
▲ 1.8pp vs prior month
Risk Heat Map (Impact × Likelihood)
IMPACT →
CR
H
H
CR
CR
M
M
H
H
CR
L
M
M
H
H
L
L
M
M
H
L
L
L
M
M
← LIKELIHOOD →
ACTIVE RISK POSITIONS
Credit Concentration Risk
CRITICAL
Liquidity Risk (LCR)
HIGH
Market Risk — IR Sensitivity
HIGH
Operational Risk (IT)
MEDIUM
Regulatory Compliance Tracker
Schedule →
Basel III
BIS / Pillar 1-3
96
/ 100%
IFRS 9
ECL provisioning
88
/ 100%
AML/CFT
FATF Standards
99
/ 100%
DORA
Digital Resilience
72
/ 100%
MiFID II
Markets reporting
94
/ 100%
GDPR
Data protection
97
/ 100%
AML / Transaction Monitoring
3 OPEN
| Alert ID | Type | Risk | Amount | Status |
|---|---|---|---|---|
| AML-8821 | Structuring | Critical | $498,000 | Open |
| AML-8810 | Unusual Wire | High | $2.1M | Review |
| AML-8804 | Sanctions Screen | Critical | $840,000 | Open |
| AML-8798 | PEP Match | High | $3.4M | Cleared |
| AML-8791 | Layering Pattern | Critical | $1.2M | Open |
| AML-8782 | Velocity Check | Medium | $220,000 | Cleared |
Treasury Management · Cash & FX
Treasury Operations
EUR/USD
1.0842
+0.12%
GBP/USD
1.2714
-0.08%
USD/JPY
156.24
-0.31%
USD/CNH
7.2481
+0.04%
AUD/USD
0.6482
+0.22%
USD/MYR
4.6420
-0.15%
Gold oz
3,241.80
+0.44%
Cash Position
$18.4B
▲ Surplus vs target
FX Book P&L
$+84M
▲ MTD
Investment Yield
4.82%
▲ +14bps vs target
Open FX Exposure
$2.1B
87% of limit used
30-Day Cash Flow Forecast
Inflows
Outflows
Net Position
FX Currency Positions
Trade →
🇺🇸
USD
US Dollar
$8,420M
+$12.4M
🇪🇺
EUR
Euro
€3,140M
+$8.1M
🇬🇧
GBP
Sterling
£1,820M
-$3.2M
🇯🇵
JPY
Yen
¥284B
-$8.7M
🇨🇳
CNH
Renminbi
¥4,820M
+$2.1M
🇲🇾
MYR
Ringgit
RM420M
+$0.4M
NET OPEN POSITION
+$11.1M
Investment Portfolio — Securities Book
| ISIN | Description | Type | Face Value | Book Value | Market Value | Coupon | YTM | Duration | P&L |
|---|---|---|---|---|---|---|---|---|---|
| US912810TM22 | US Treasury 4.625% 2053 | Govt | 500M | 487.4M | 492.1M | 4.625% | 4.72% | 18.4yr | +$4.7M |
| DE0001102622 | Bund 2.600% 2034 | Govt | 300M | 298.2M | 295.8M | 2.600% | 2.74% | 7.8yr | -$2.4M |
| XS2812040182 | JPMorgan 5.15% SNR 2029 | Corp IG | 200M | 199.1M | 201.4M | 5.150% | 5.08% | 3.2yr | +$2.3M |
| MY0110010005 | Malaysian GII 4.064% 2031 | Govt | 150M | 148.8M | 149.2M | 4.064% | 4.10% | 4.6yr | +$0.4M |
Credit Management · IFRS 9
Loan Portfolio
ECL Model
+ New Facility
Gross Loan Book
$148.2B
▲ 4.8% YoY
NPL Balance
$3.17B
▲ NPL Ratio: 2.14%
ECL Provision
$2.84B
Coverage: 89.6%
Avg. Loan Yield
6.82%
▲ +28bps vs Q4
Portfolio Composition
$148B
GROSS
Corporate
$57.4B
Retail
$38.2B
Mortgage
$29.1B
SME
$16.8B
Other
$6.7B
IFRS 9 Credit Staging
STAGE 1 — PERFORMING
$132.4B
89.3%
of portfolio
ECL: 12-month PD · Provision: $284M
STAGE 2 — WATCHLIST
$12.6B
8.5%
of portfolio
ECL: Lifetime PD · Provision: $1.88B
STAGE 3 — CREDIT-IMPAIRED
$3.17B
2.14%
NPL ratio
ECL: Lifetime LGD · Provision: $2.84B (89.6% cov.)
Top 10 Borrower Exposures
Full List →
| # | Obligor | Sector | Exposure | Rating | Stage |
|---|---|---|---|---|---|
| 01 | Petronas Capital Ltd | Energy | $2.84B | AAA | S1 |
| 02 | Maybank Group | Finance | $2.21B | AA+ | S1 |
| 03 | Alibaba Cloud INT | Technology | $1.98B | A+ | S1 |
| 04 | Global Infra Partners | Infrastructure | $1.72B | A | S2 |
| 05 | Evergreen Shipping | Maritime | $1.44B | BBB | S2 |
| 06 | CitiDev RE Fund VI | Real Estate | $1.28B | BBB- | S2 |
| 07 | Syncrude Canada | Commodities | $0.92B | BB+ | S3 |