Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — Shareholder Meeting (April 2019)
20 slides from Malayan Banking Bhd's shareholder meeting presentation, Apr 11, 2019
Slide 1: 59th Annual General Meeting Presentation to Shareholders
Humanising Financial Services 59 th Annual General Meeting Presentation to Shareholders 11th April 2019 by Datuk Abdul Farid Alias, Group President & CEO
Slide 2: Maybank continues to grow from strength to strength
Maybank continues to grow from strength to strength …through the collective efforts of all past and present Maybankers Net Operating Income PPOP Profit Before Tax Net Profit (RM billion) (RM billion) (RM billion) (RM billion) 27.5% 29.2% 22.9% 23.8% 23.63 12.42 10.90 8.11 18.54 9.61 8.87 6.55 CAGR:
Slide 3: Arising from our financial strength, we continue to reward our shareholders
Arising from our financial strength, we continue to reward our shareholders …with a higher dividend We offer the BEST shareholder payout among payout the top Malaysia and Singapore Banks. Shareholders are also the top recipient of value Dividend Payout created by Maybank. (RM billion) MY MY MY 33.2%
Slide 4: Operating landscape of 2018 caused some revenue headwinds
Operating landscape of 2018 caused some revenue headwinds Macroeconomic Impact to Maybank Group’s Revenue Drivers events of 2018 • General Election Marginal NIM compression of 3bps YoY as a result of liquidity buffer increase (GE) in Malaysia ahead of GE in 1H FY2018 Slower corporate lending gro
Slide 5: Our combined efforts supported our FY2018 performance
Our combined efforts supported our FY2018 performance Net Fund Based Income Net fund based income grew as group gross loans RM17.1b, +3.1% expanded 4.8%, contributed by the home markets… Net Fee Based Income …while lower net fee based income was due to a decline RM6.5b, -1.8% in investment and tradi
Slide 6: Continued cost discipline
Continued cost discipline …in an operating environment where revenue pressures were felt, resulted in cost-to-income ratio improving to 47.4% and a positive JAWs of 2.7%. Personnel expenses growth was contained at 5.2%. Cost-to-income Ratio 48.9% 48.2% 47.1% 48.6% 47.4% Personnel Expenses 5.2% 6,450
Slide 7: Sustained robust liquidity risk indicators
Sustained robust liquidity risk indicators …through our prudent risk management practices. We prioritised liquidity strength so that we may serve our clients under any circumstance. Liquidity Risk Indicators LCR LDR LTF LTFE 153.3% 144.9% 133.1% 130.5% 132.4% 93.4% 92.8% 94.4% 92.7% 92.5% 85.8% 86.3
Slide 8: Moderating asset quality trends
Moderating asset quality trends …with a decrease in loan loss allowances, due to lower new impaired loan formation as well as higher recoveries and write-offs. Allowances for losses on loans Gross impaired loans (GIL) & GIL Ratio (%) GIL Ratio 2.28% 2.34% 2.41% -30.8% 2,833 Gross Impaired Loans -18.
Slide 9: Improved ROE and EPS performance
Improved ROE and EPS performance …through our strong financial performance, despite a higher equity base to comply with regulatory requirements and to maintain capital strength. ROE (%) & EPS (Sen) Return on Equity 13.8% 12.2% 10.6% 10.9% 11.4% Earnings per Share 74.2 74.2 72.0 72.0 67.8 FY2014 FY20
Slide 10: Highlights of 2018
Highlights of 2018 The MSL incorporation Key Awards in 2018 solidifies our commitment to Singapore • We were awarded ‘Bank We cemented our foothold in Singapore by locally of the Year in Malaysia’ incorporating Maybank Singapore Limited (MSL), in 2018 by The Banker which now houses our Singapore Com
Slide 11: Maybank's digital focus areas
Maybank’s digital focus areas “The Best “Advanced Online EXPERIENCE TRUST Asset & Customer “i.e.: M2U” “CARisMa*” Liability Experience” Management” DATA SECURITY “CORE” “Future-Ready, Speed & Anytime/Anywhere Availability” *Credit, Asset & Risk Management Engine 1010
Slide 12: Principle led digital transformation
Principle led digital transformation PRINCIPLES DIGITAL TRANSFORMATION Maximise Digital Engagements EXTERNAL PLACE CUSTOMER PREFERENCES FIRST Lead Digital Innovations Engage and Foster Fintechs Retune Business Models Digital Bank Redefine Physical Presence Of Choice INTERNAL Partner Industry Disrupt
Slide 13: Digital Highlights 2018-2019
Digital Highlights 2018-2019 Digital Achievements in 2018-2019 Reimagined Implemented Launched QRPay Grab Partnership Launched MAE Maybank2u E-CLEVA A cashless payment A complete change of Formed a strategic A real-time video A lifestyle-themed solution using QR user interface based on partnership w
Slide 14: Digital Highlights 2018-2019: FutureReady Digital Upskilling Programme
Digital Highlights 2018-2019 FutureReady Digital Upskilling Programme We introduced our FutureReady Digital Upskilling Programme to increase employees’ digital literacy in line with the Group’s aspiration to be The Digital Bank of Choice. The Programme’s comprehensive curricular is delivered through
Slide 15: Digital Highlights 2018-2019: CARisMa
Digital Highlights 2018-2019 • Determine the optimal balance sheet structure for the Group • Centralise all sources of funds across the Group • Determine the right pricing for the Group’s liabilities and assets to maximise risk-returns CARisMa • Determine the optimal portfolio for each component of
Slide 16: We strengthened the Executive Committee with internal talents
We strengthened the Executive Committee with internal talents …filling the vacancies left by two Maybank veterans RETIRED NEW APPOINTMENTS DATUK LIM HONG TAT Group CEO, Community Financial Services Retired on 18 July 2018 DATO’ JOHN CHONG ENG CHUAN Group CEO, Community Financial Services Appointed o
Slide 17: Our continued priorities
Our continued priorities Liquidity and Agility and Capital Strength Nimbleness Maintain sufficient liquidity to meet Fluid and unpredictable operating obligations and capital to absorb landscape forces us to react potential losses or systemic shocks promptly or risk becoming obsolete Looking Out for
Slide 18: Our priorities in FY2019
Our priorities in FY2019 1 Income Growth Expand revenue streams through cross business collaborations Measured balance sheet expansion in line with economic growth of home markets and Group’s conservative risk posture Group ROE guidance of ~11.0% 2 Better Productivity Driving positive JAWs a
Slide 19: Thank you to all shareholders and stakeholders
Thank you to all shareholders and stakeholders for your continuous support Humanising Financial Services 1818
Slide 20: Malayan Banking Berhad contact and disclaimer
Humanising Financial Services MALAYAN BANKING BERHAD 14th Floor, Menara Maybank 100, Jalan Tun Perak 50050 Kuala Lumpur, Malaysia Tel : (6)03-2070 8833 www.maybank.com Disclaimer. This presentation has been prepared by Malayan Banking Berhad (the “Company”) for information purposes only and does not
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