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Press Release Maybank 3QFY21 at a glance ( Y - o - Y ) 25 November 2021 Maybank 3QFY21 net profit at RM1.68b Lower earnings QoQ on weaker 3Q21 economic performance Net fund based income up 14.3 % to RM4.72b Net fee based income lower at RM1.43b from RM1.95b Net operating income 1.2 % higher at RM6 . 15b Overhead expenses registered 4.3 % increase to RM2.82b Pre - provisioning operating profit at RM3.33b from RM3.37b last year Net impairment losses increased to RM1.13b from RM805.9m Profit before tax at RM2.27b from RM2.61b . Net profit at RM1.68b from RM1.95b • Healthy liquidity position with Group LCR at 138.1 % • Robust capital position : 18.21 % total capital ratio & 14.24 % CET1 capital ratio Maybank , Southeast Asia's fourth largest bank by assets , today said that its net operating income for the third quarter ended 30 September 2021 ( 3QFY21 ) increased slightly by 1.2 % to RM6.15 billion from RM6.08 billion previously on higher net fund based income of 14.3 % Y - o - Y to RM4.72 billion , but profit before tax ( PBT ) and net profit came in lower as a reduction in net fee based income as well as higher net impairment losses more than offset the rise in net fund based income . PBT for the quarter was RM2.27 billion from RM2.61 billion a year earlier while net profit came in lower at RM1.68 billion compared with RM1.95 billion in 3QFY20 owing to a 26.6 % decrease in net fee based income to RM1.43 billion mainly from lower investment and trading income , coupled with higher net impairment losses on additional proactive provisioning made in view of the varying levels of movement restrictions across home markets Malaysia , Singapore and Indonesia which were emplaced in the recent third quarter . The Group's pre - provisioning operating profit ( PPOP ) came in at RM3.33 billion from RM3.37 billion in 3QFY20 . Net impairment losses , meanwhile , stood at RM1.13 billion compared with the previous year's RM805.9 million as arising from the movement restrictions in 3Q21 , the Group continued to undertake proactive provisioning through management overlay for borrowers under the repayment assistance programmes and to facilitate some write - offs of accounts . 9MFY21 vs 9MFY 20 For the nine months to 30 September 2021 ( 9MFY21 ) , the Group recorded a net operating income of RM19.15 billion , a 3.8 % rise from a year earlier on the back of higher net fund based income which rose by 15.5 % Y - o - Y to RM14.22 billion . Net impairment losses decreased by 28.3 % to RM2.56 billion from RM3.57 billion a year earlier as the Group benefitted from its earlier prudent stance in accelerating its forward looking assumption provisioning . 1