Page 8 - MAYBANK vs EPF

3. Interest Spread

Interest Spread

3.00%
2.00%
1.93%
1.00% 1.60%
1.15%
0.00%
2016 2017 2018

Interest Spread

Interest spread shows the difference between borrowing and lending rates of Maybank in

nominal term. Based on the data above, we can see that there is fluctuation between the year of
2016 until 2017. As we can see, the ratio was dropped from 1.60% in 2016 to 1.15% in 2017.
However, its increase rapidly in 2018 by increasing to 1.93. It shows that Maybank have higher

margin and higher profitability and have the better performance

4. Loan to Asset Ratio

LOAN TO ASSET

65.00%
60.00%
59.47% 59.91%
55.00%
50.00%
50.45%
45.00%
2016 2017 2018

Loan to Asset

Loan to Asset ratio is used to calculate the total loans outstanding as a percentage of the total

assets. Based on the year 2016 until 2018, it shows that Maybank’s Loan to Asset is 2017 which
is 59.91% is higher compare to 59.47% in 2016 and 50.45% in 2018. We can conclude that

Maybank have higher Loan to Asset in 2017, meaning that it has lower profitability and higher
credit risk in the year of 2017. The higher the ratio indicates that the bank face higher risk of

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