KUALA LUMPUR (March 10): Banks were hard pressed last year after being hit on multiple fronts – from record low interest rates to high modification losses, followed by increased provisions as banks manage the impact of the loan moratorium on their books. With the worst of the Covid-19 pandemic impact on financial performance behind them, banks are now expected to perform better this year, although remaining cautious, supported by recovery in net interest income growth and a decline in loan loss provisioning. The Edge takes a look at some key financial indicators of the top five banks in Malaysia for the financial year 2020 (FY20), to gauge how they fared in the pandemic year and position themselves for an expected recovery this year.