Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — H1 2013 Earnings Presentation
63 slides from Malayan Banking Bhd's earnings presentation, Aug 21, 2013
Slide 1: Investor Presentation Financial Results 1H FY2013 and 2Q FY2013
Investor Presentation Financial Results 1H FY2013 and 2Q FY2013 ended 30 June 2013 www.maybank.com 21 August 2013 0
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 5 Prospects & Outlook 22 Appendix: Business Sector Review 1) Community Financial Services 30 2) Global Banking 37 3) Maybank Singapore 43 4) BII 46 5) Other segments 50 6) Affiliates 54 7) Updates on Maybank Group‟s Strategic Objectives 57
Slide 3: Group PATAMI for 1H FY2013 rises 10.4% YoY, on the strength of stronger 2Q results
Group PATAMI for 1H FY2013 rises 10.4% YoY, on the strength of stronger 2Q results Double-digit PATAMI growth of 10.4% for 1H FY2013 Group achieves PATAMI of RM3.07 billion, 10.4% YoY PATAMI grows on the strength of higher net fund based income 8.2% YoY and net fee based income 8.0% YoY. Ove
Slide 4: Group gains good traction in 2Q FY2013
Group gains good traction in 2Q FY2013 FY2013 Industry Key Performance Indicators 1Q FY13* 2Q FY13* 1H FY2013* Targets Average^ Headline KPI Return on Equity 15.0% 14.2% 14.7% 14.4% - Other targets Group Loans Growth 12.0% 5.8% 12.3% 9.1% - • Malaysia 12.0% 5.3% 13.4% 9.4% 10.1% • Singapore# 11.0% 6
Slide 5: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 5 Prospects & Outlook 22 Appendix: Business Sector Review 1) Community Financial Services 30 2) Global Banking 37 3) Maybank Singapore 43 4) BII 46 5) Other segments 50 6) Affiliates 54 7) Updates on Maybank Group‟s Strategic Objectives 57
Slide 6: Net income growth of 8.1% YoY, supported by higher fund based income & fee based income
Net income growth of 8.1% YoY, supported by higher fund based income & fee based income 1H FY12 (RM‟ mil) 1H FY13 YoY 2Q FY13 1Q FY13 QoQ 2Q FY12 Restated Net interest income 4,775.9 4,504.0 6.0% 2,364.6 2,411.3 (1.9)% 2,292.7 Net Fund based income (Islamic Banking) 982.0 816.9 20.2% 506.7 475.3 6.6
Slide 7: International PBT contribution increased to 31.5% from 28% a year earlier
International PBT contribution increased to 31.5% from 28% a year earlier 1H FY13 Revenue Profit Before Tax Gross loans* International: 5.7% International: 9.8% International: 6.4% 13.6% 8.4% 33.6% 31.5% 6.9% 36.6% RM 9.28b 14.7% RM 4.22b 14.3% 21.8% RM 332.0b 66.4% 63.4% 68.5% 1H FY12 Malaysia Sing
Slide 8: Revenue increased for all business segments YoY
Revenue increased for all business segments YoY 1HFY12 (restated post-MFRS 10) 1HFY13 +8.1 % 9,283 Global Banking (GB) +6.0% 8,585 Revenue (RM million) +8.6% +7.6% 1.9% +8.7% +1.8% +19.4% 3,532 3,252 2,616 2,569 1,029 1,107 894 911 721 784 840 1,003 Total # Community Financial Corporate Banking Glob
Slide 9: Group net income growth supported by higher net fund based income across all sectors
Group net income growth supported by higher net fund based income across all sectors Net Fund Based Income rose 8.2% 1HFY12 (restated post-MFRS 10) 1HFY13 +8.2% 5,758 Global Banking (GB) +20.2% 5,321 +10.1% +22.3% +12.3% +36.2% +5.2% +7.3% RM million 2,458 2,706 1,689 1,776 638 780 310 348 425 456 6
Slide 10: Fee income increased 23% QoQ on the back of higher forex income
Fee income increased 23% QoQ on the back of higher forex income Note: Based on restated figures for 2Q FY13 post-MFRS 10 application 1Q 2013 2Q 2013 +22.9% 1,745 1,420 +1.9% RM million 907 924 (7.7%) +189.7% +342.1% (19.3%) +96.9% +10.8% 455 420 160 252 78 37 144 57 88 71 (87) 19 Total non-interest
Slide 11: Core fee income segments posted solid YoY growth
For 1H FY13, core fee income segments (commissions, service charges & fees and investment trading income) posted solid YoY growth Note: Based on restated figures for 1H FY13 post-MFRS 10 application 1H 2012 1H 2013 +5.3% 3,166 3,006 +7.6% RM million 1,830 1,701 +40.6% (120.5%) (29.0%) (23.5%) (315.4
Slide 12: Loans growth of 12.3% in 2Q FY13 lifts Group's growth for 1H FY13 to 9.1%
Loans growth of 12.3% in 2Q FY13 lifts Group‟s growth for 1H FY13 to 9.1% led by domestic growth of 9.4% and international growth of 8.4% QoQ 30 Jun 13 31 Dec 12 Annualised 31 Mar 13 30 Jun 12 YoY (Ann.) Group Gross Loans * 331.9 317.3 9.1% 322.0 12.3% 304.0 9.2% Malaysia (RM billion)** 209.2 199.8
Slide 13: Group's domestic loans improves in the 2Q
Group‟s domestic loans improves in the 2Q on the back of stronger corporate, consumer and SME loans growth QoQ RM billion 30 Jun 13 31 Dec 12 Annualised 31 Mar 13 30 Jun 12 YoY (Ann.) Community Financial Services 143.1 135.4 11.4% 138.9 12.1% 127.9 11.9% Consumer 114.6 108.3 11.8% 111.4 11.5% 101.0
Slide 14: Group deposit growth of 14.6%
Group deposit growth of 14.6% with international deposits growing at 18.2% and domestic deposits at 12.7%, maintaining our No. 1 market share position domestically QoQ 30 Jun 13 31 Dec 12 Annualised 31 Mar 13 30 Jun 12 YoY (Ann.) Group Gross Deposits 372.5 347.2 14.6% 355.4 19.3% 340.3 9.5% Malaysia
Slide 15: Group Loan to Deposit ratio eases and CASA ratio improved
Group Loan to Deposit ratio (LDR) eases from end Dec 2012 and Group CASA ratio improved from 33.1% (end June 2012) to 34.2% (end June 2013) Group CASA LDR Malaysia 87.5% 86.9% 89.6% 89.0% 87.5% 86.3% 86.6% 82.6% 85.9% 81.6% 33.6% 33.1% 35.1% 34.9% 34.2% 38.4% 37.2% 40.7% 40.5% 38.8% Dec 11 Jun 12 De
Slide 16: Group's operating ratios within guidance set for FY2013
Group‟s operating ratios within guidance set for FY2013 (%) 1H FY13 1H FY12 Variance 2Q FY13 1Q FY13 Variance 2Q FY12 Return on Equity 14.4 16.0 (1.6)% 14.7 14.2 0.5% 16.4 Net Interest Margin (post-MFRS 10) 2.45 2.48 (3 bps) 2.42 2.47 (3 bps) 2.49 Net Interest Margin (pre-MFRS 10) 2.34 2.37 (3 bps)
Slide 17: Group Cost to Income ratio improves with a positive JAW position
Group Cost to Income ratio (CIR) improves with a positive JAW position as a result of faster net income growth of 8.1% against overhead growth of 7.2% YoY Group overheads composition YoY 1H FY12 (RM‟ mil) 1H FY13 (post-MFRS 2Q FY13 1Q FY13 QoQ Restated 10) Personnel costs 2,493.1 2,350.7 +6.1% 1,275
Slide 18: Gross Impaired Loans improves from 2.00% to 1.86%
Gross Impaired Loans (GIL) improves from 2.00% as at end of June 2012 to 1.86% as at end of June 2013 Allowance for losses on loans Group Impaired Loans Ratio Allowance for losses on loans Loans loss coverage Net Impaired Loan Ratio Gross impaired loan ratio 4.67% 4.20% 94.5 104.2 104.7 105.6 99.0 1
Slide 19: GIL for all markets continues to improve
GIL for all markets continues to improve from the corresponding period in FY2012 Malaysia Singapore Indonesia (BII) NIL GIL 0.62 2.2% 2.89 0.53 0.53 2.1% 2.2% 2.0% 0.46 1.8% 0.45 2.23 0.44 2.21 2.10 2.19 2.00 2.01 1.3% 0.33 0.32 0.32 0.32 1.59 0.31 1.1% 1.1% 1.1% 1.49 1.48 0.29 1.0% 1.28 1.33 Mar 12
Slide 20: Robust capital ratios under Basel 3
Robust capital ratios under Basel 3 Before Assuming 85% Based on BNM‟s proposed reinvestment Implementation dividend rate Guideline* 14.76% 14.51% 14.46% 15.85% Group 12.15% 11.90% 11.85% 12.44% 10.32% 10.07% 10.02% 10.22% Jun 13 Jun 13 Jun 13 Dec 12 CET 1 Capital Ratio Tier 1 Capital Ratio Total Ca
Slide 21: Basel 3 comparison for capital position Dec 2012 against June 2013
Basel 3 comparison for capital position as at 31 Dec 2012 against 30 June 2013 Assuming 85% Assuming 85% reinvestment rate reinvestment rate Group 15.85% 14.51% 12.44% 11.90% 10.22% 10.07% Total Capital ratio lower mainly due to assets growth as well as gradual phase-out Dec 12 Jun 13 treatment of T
Slide 22: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 5 Prospects & Outlook 22 Appendix: Business Sector Review 1) Community Financial Services 30 2) Global Banking 37 3) Maybank Singapore 43 4) BII 46 5) Other segments 50 6) Affiliates 54 7) Updates on Maybank Group‟s Strategic Objectives 57
Slide 23: The strategic priorities that we set for FY2013
The strategic priorities that we set for FY2013 1 2 3 Raise the tempo for Accelerate the move to a Change the Cost Structure Regionalisation High Performance Culture Start harvesting value from Heighten focus on training and job Extend cost restructuring regional initiatives rotation / interna
Slide 24: Our outlook for 2H FY2013
Our outlook for 2H FY2013 – Optimistic to stay in line with earnings consensus Mixed economic outlook in key • Markets in the region to remain challenging amidst: markets • Uncertainty around US economic recovery • Potential lacklustre impact of Japan‟s growth policy initiatives • Slower growth tren
Slide 25: Asset Quality Outlook: Key Risks Factors
Asset Quality Outlook: Key Risks Factors Economic Environment Market Environment • Slower economic growth in China • Impact of quantitative easing with systemic impact of shadow tapering off causing market banking unraveling. volatility and market volatility and liquidity flows. • Malaysian fiscal i
Slide 26: Asset Quality Outlook: Guidance for 2H FY2013
Asset Quality Outlook: Guidance for 2H FY2013 2H FY2013 Outlook Proactive Risk Management Strategy „Stable‟ on the back of Focus on targeted customer segments/portfolios, guided by supportive economic appropriate risk appetite and Responsible Financial Guidelines environment (interest rate, Robu
Slide 27: Asset Quality Management: Risk Management Strategy & Governance
Asset Quality Management: Maybank‟s Risk Management Strategy & Governance Risk Appetite defines the quantum of risk that a bank is Risk willing to accept based on its business model, target Appetite rating, target share price, etc Risk Taking Capacity (RTC) is the maximum amount of risk that a bank‟
Slide 28: Asset Quality Management: Credit Risk Management Strategy and Governance
Asset Quality Management: Maybank‟s Credit Risk Management Strategy and Governance Robust governance on credit approval and monitoring (Board Credit Review Committee, Group Management Credit Committee, Credit Monitoring and Rating Committee etc.). Establishment of credit risk appetite on Group a
Slide 29: Maintaining our targets on the back of improved 2Q results
Maintaining our targets on the back of improved 2Q results but will monitor against industry trends in coming months Key Performance Indicators FY2013 Targets Headline KPI Return on Equity* 15.0% Other targets Group Loans Growth 12.0% • Malaysia 12.0% • Singapore# 11.0% • Indonesia# 22.0% Group Depo
Slide 30: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 5 Prospects & Outlook 22 Appendix: Business Sector Review 1) Community Financial Services 30 2) Global Banking 37 3) Maybank Singapore 43 4) BII 46 5) Other segments 50 6) Affiliates 54 7) Updates on Maybank Group‟s Strategic Objectives 57
Slide 31: Retail Deposits grew 8.8% with CASA growth at 6.1%
Retail Deposits grew 8.8% with CASA growth at 6.1% Total Retail Deposits grew 8.8% annualised in June 2013 Total Retail CASA growth at 6.1% on annualised basis +10.2% YoY +6.2% YoY +8.8% ann. +6.1% ann. 102.4 48.8 101.2 48.3 98.0 47.3 RM billion RM billion 94.4 45.9 45.9 92.9 Jun 12 Sep 12 Dec 12 Ma
Slide 32: Mortgage grew 10.2% with continued improvement in asset quality
Mortgage grew 10.2% with continued improvement in asset quality Continued growth in loan balances despite intense competition Asset quality improved to 0.9% +12.7% YoY +10.2% annualised 1.6% 48.5 49.6 50.9 1.3% 45.2 46.9 7.5 7.8 8.1 1.1% 7.1 1.0% RM billion 6.6 0.9% 38.6 39.8 40.9 41.8 42.8 Jun 12 S
Slide 33: Auto Finance business continued to improve in volume and market share
Auto Finance business continued to improve in volume and market share Auto Finance* grew 10.5% (annualised) for 1H FY2013 Auto Finance* market share improved +11.0% YoY 21.5% 2.0 +10.5% annualised 21.0% 20.5% 20.9% 1.5 32.3 20.5% 20.6% 20.0% 20.4% 31.4 19.5% 20.2% RM billion 30.7 1.0 29.9 19.0% 29.1
Slide 34: Cards business strengthened YoY
Cards business though impacted by new lending guidelines, strengthened YoY Cards Market Share Card billing, receivables and merchant sales outperformed industry Jun 13 Jun 12 YoY Growth Maybank Industry* Cardbase 18.0% 18.3% Cardbase 0.5% 1.6% Billings 26.8% 25.2% Billings 13.4% 6.8% Receivables 15.
Slide 35: Business Banking and SME loans grew 10.1%
Business Banking and SME loans grew 10.1%, with asset quality improving 90 bps Loans grew 10.1% annualised Deposits growth 8.3% annualised +5.9% YoY +10.2% YoY +10.1% annualised +8.3% annualised 26.9 27.6 27.1 27.4 28.5 53.2 53.7 56.3 56.1 58.6 4.6 4.7 4.9 5.1 5.4 RM billion RM billion 39.8 41.7 41.
Slide 36: Customer Segmentation: Growing TFA and cross selling ratio improving
Customer Segmentation: Growing TFA* and cross selling ratio improving HNW & Affluent Customer TFA grew 11.6% annualised Mass Customer TFA grew 8.0% annualised +15.3% YoY +8.0% YoY +11.6% annualised +8.0% annualised 124.4 Total TFA (RM‟bil) Total TFA (RM‟bil) 121.1 96.7 95.3 117.6 93.0 111.6 90.9 107
Slide 37: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 5 Prospects & Outlook 22 Appendix: Business Sector Review 1) Community Financial Services 30 2) Global Banking 37 3) Maybank Singapore 43 4) BII 46 5) Other segments 50 6) Affiliates 54 7) Updates on Maybank Group‟s Strategic Objectives 57
Slide 38: Global Banking: Domestic Corporate Banking
Global Banking : Domestic Corporate Banking Total GB loans increased 1.93% YoY to RM66.1 billion Trade Finance market share3 easing due to settlements RM billion 26.7% -0.07% 26.5% Term 32.5 26.3% Loan 32.5 YoY 32.5 25.8% 25.6% Trade Finance 31.0 +4.14% and Others1 29.4 YoY 29.8 Jun '12 Sep '12 Dec'
Slide 39: Global Markets
Global Markets* PBT and Revenue contracted by 7.6% and 0.4% YoY Group Securities Portfolio grew 32.2% YoY respectively +32.2% YoY -0.4% -7.6% 93.9 86.1 517 595 593 80.4 8.6 RM million 478 71.0 71.1 6.3 7.4 Others 260 235 5.2 5.0 37.7 37.6 PDS 28.7 29.3 33.9 Govt. Securities 517 336 357 42.2 47.6 478
Slide 40: Notable Deals completed in 2Q 2013
Notable Deals completed in 2Q 2013 NOTABLE DEALS COMPLETED FROM APRIL-JUNE 2013 Indonesia Indonesia Indonesia Indonesia Indonesia PT Lautan Luas PT Acset Indonusa PT Panorama Sentrawisata Tbk PT Cipaganti Citra Graha PT Media Karya Sentosa IDR 700 billion IDR 387 billion IDR 100 billion IDR 68 billi
Slide 41: Maybank IB now a major Regional Investment Banking player
Maybank IB now a major Regional Investment Banking player with the addition of Maybank Kim Eng Maybank Kim Eng is now a leading regional investment bank and Malaysia League Table – Equity & Rights Offering broking house with presence in 10 locations. Amount Notably, Maybank Kim Eng has also been
Slide 42: Maybank Kim Eng
Maybank Kim Eng 1H FY2013 Total Income for Maybank Kim Eng rose by 1H FY2013 Total Income (RM mil) 4.1% YoY and 38.0% HoH +4.1% YoY Malaysia, Others, 27.3, 266.8, 34% 3% 759.11 790.26 Hong Kong, 27.0, 3% 572.62 RM790.26 RM Million Indonesia, 24.0, 3% million Singapore, Philippines, 126.4, 16% 53.8,
Slide 43: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 5 Prospects & Outlook 22 Appendix: Business Sector Review 1) Community Financial Services 30 2) Global Banking 37 3) Maybank Singapore 43 4) BII 46 5) Other segments 50 6) Affiliates 54 7) Updates on Maybank Group‟s Strategic Objectives 57
Slide 44: Maybank Singapore
Maybank Singapore Diversified Loan Portfolio 5.9% Loans portfolio reached S$27.9b as of Jun 2013, 11% annualised YoY growth as corporate loan expanded at a faster 25.1 27.2 27.9 Other (Consumer) pace. 1.4 1.5 1.7 3.2 3.1 2.9 Car Loan Business loans came in at S$18b in Jun 2013, 17% YoY growth, l
Slide 45: Earnings Summary
Earnings Summary SGD‟ mil 1H FY2013 1H FY2012* YoY (%) 1Q FY13 QoQ (%) Net Fund Based income 208.11 208.66 -0.3% 102.4 -3.1% Net Fee Based income 125.28 129.64 -3.4% 52.5 -27.8% Net income 333.39 338.3 -1.5% 154.9 -13.2% Overhead expenses 144.55 142.50 1.4% 74.4 6.1% Operating profit 188.84 195.80 -
Slide 46: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 5 Prospects & Outlook 22 Appendix: Business Sector Review 1) Community Financial Services 30 2) Global Banking 37 3) Maybank Singapore 43 4) BII 46 5) Other segments 50 6) Affiliates 54 7) Updates on Maybank Group‟s Strategic Objectives 57
Slide 47: Earnings Summary
Earnings Summary IDR‟ bil 2Q 2013 1Q 2012 QoQ 1H 2013 1H 2012 YoY Net Fund Based income 1,430.0 1,380.0 4.0% 2,810.0 2,577.0 9.0% Net Fee Based income 528.0 638.0 (17.0)% 1,166.0 1,111.0 5.0% Net income 1,958.0 2,018.0 (3.0)% 3,976.0 3,688.0 8.0% Overhead expenses (1,363.0) (1,461.0) (7.0)% (2,825.0
Slide 48: BII: Performance maintained amidst challenging environment
BII: Performance maintained amidst challenging environment Loans composition (IDR trillion) (Consolidated) Net Interest Margin (Consolidated) Loans growth of 16% YoY and LDR improved to 91.52% 85.1 NIM decreased to 5.34% 80.9 79.7 73.5 28.3 29.3 31.1 5.89% 26.7 5.73% 5.32% 5.34% 23.5 27.1 27.6 30.2
Slide 49: WOM Finance: motorcycle business impacted by new regulations
WOM Finance: motorcycle business impacted by new regulations but overall, profit improved due to continued focus on underwriting and cost efficiencies Revenue and PBT (Rp billion) Unit Financing (000 unit) 790 270 753 234 217 168 -40 33 66 52 YTD Jun 12 YTD Jun 13 Total Revenue Profit Before Tax New
Slide 50: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 5 Prospects & Outlook 22 Appendix: Business Sector Review 1) Community Financial Services 30 2) Global Banking 37 3) Maybank Singapore 43 4) BII 46 5) Other segments 50 6) Affiliates 54 7) Updates on Maybank Group‟s Strategic Objectives 57
Slide 51: Group Islamic Banking
Group Islamic Banking Group Islamic Banking Income and PBT* Market Share Jun-13 Jun-12 RM million 1H FY13 1H FY12 YoY AITAB*** 31.9% 30.4% Growth Mortgage 22.1% 20.2% Fund based income 982 816.9 20.20% Term financing 25.8% 23.2% Other operating income** 303.5 284.8 6.60% Total income 1285.5 1101.7 1
Slide 52: Insurance and Takaful - Etiqa
Insurance and Takaful - Etiqa Premium Life / Family (New Business) Market Share Single Premium - 29.9% Regular Premium + 2.4% AIA & ING Ins. & Tak. 19.3% Etiqa Ins. & Tak. 18.1% No. 2 in Life/Family Credit Premium + 5.1% 2Q FY13 (New Business) Prudential Ins. & Tak. 13.5% Group Premium + 24.8% 2Q FY
Slide 53: Maybank Philippines: PBT declined 16.8% in 1H FY13
Maybank Philippines: PBT declined 16.8% in 1H FY13 due to OPEX growth outpacing revenue growth Key Highlights Revenue and PBT +21.6% Although revenue grew by 21.6% attributable mainly to 1,672.4 increased NII and NOII, realised trading gain from HFT 1,374.9 securities and MTM gain on HFT securitie
Slide 54: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 5 Prospects & Outlook 22 Appendix: Business Sector Review 1) Community Financial Services 30 2) Global Banking 37 3) Maybank Singapore 43 4) BII 46 5) Other segments 50 6) Affiliates 54 7) Updates on Maybank Group‟s Strategic Objectives 57
Slide 55: Vietnam: PBT dropped by 39.2% YoY due to NIM compression
Despite higher loans growth of 37.1%, PBT dropped by 39.2% YoY mainly due to NIM compression. Key Highlights Revenue and PBT PBT declined 39.2% YoY mainly from lower net interest -15.3% income due to weakening lower NII as the State Bank of 871.8 Vietnam (SBV) has reduced the discount rates by 4%
Slide 56: MCB Bank: PBT rose 4.8% YoY despite lower revenue
MCB Bank: PBT rose 4.8% YoY despite lower revenue. Key Highlights Revenue and PBT NIM compression resulted in decline of revenue by 5.7% -5.7% YoY due to lower monetary policy rates which decreased 26.4 by 50bps to 9% in June 2013. However, PBT increased 24.9 +4.8% due to lower loan loss provision
Slide 57: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 5 Prospects & Outlook 22 Appendix: Business Sector Review 1) Community Financial Services 30 2) Global Banking 37 3) Maybank Singapore 43 4) BII 46 5) Other segments 50 6) Affiliates 54 7) Updates on Maybank Group‟s Strategic Objectives 57
Slide 58: Strategic initiatives: Community Financial Services
Continued progress on Group‟s strategic initiatives: Community Financial Services Strategic Objective 1: Undisputed No. 1 Retail Financial Services provider in Malaysia by 2015 Dec-11 Dec-12 Mar-13 Jun-13 MBB Rank Loans Total Consumer/Household 16.4% 17.0% 17.1% 17.1% 2 Auto (Purchase of transport v
Slide 59: Strategic initiatives: Global Banking
Continued progress on Group‟s strategic initiatives: Global Banking Strategic Objective 2: Leading ASEAN wholesale bank eventually expanding to Middle East, China & India Malaysia League Table – Mergers & Acquisitions NOTABLE DEALS COMPLETED FROM MAR – JUN 2013 2013 2012 2011 Ranking Market Market M
Slide 60: Strategic initiatives: Insurance & Takaful
Continued progress on Group‟s strategic initiatives: Insurance & Takaful Strategic Objective 3: Undisputed Insurance & Takaful Leader in Malaysia and Emerging Regional Player Insurance & Takaful - Life & Family - General & General Takaful - Market Share Market Share Market Share 20.7%(1) 49.9%(1)49.
Slide 61: Strategic initiatives: International PBT contribution
Continued progress on Group‟s strategic initiatives: International PBT contribution Strategic Objective 4: Truly regional organisation, with ~40% of pre-tax profit derived from international operations by 2015 1H FY13 Revenue Profit Before Tax Gross loans* International: International: International
Slide 62: Strategic initiatives: Islamic finance
Continued progress on Group‟s strategic initiatives: Islamic finance Strategic Objective 5: Global Leader in Islamic Finance Maybank Islamic PBT Maybank Islamic Contribution to Maybank Domestic – 24.9% YoY Financing as at June 2013 1190.1 952.8 697.9 707.8 Year Contribution 34.4% 462.0 Maybank Islam
Slide 63: Malayan Banking Berhad contact details
Humanising Financial Services Across Asia MALAYAN BANKING BERHAD 14th Floor, Menara Maybank 100, Jalan Tun Perak 50050 Kuala Lumpur, Malaysia Tel : (6)03-2070 8833 www.maybank.com Investor Relations Contact Mohamed Rafique Merican Group Chief Financial Officer Contact: (6)03-2074 7878 Email: rafique
Malayan Banking Berhad (Maybank) — H1 2013 Earnings Presentation on 6ix