Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — Q1 2017 Earnings Presentation

58 slides from Malayan Banking Bhd's earnings presentation, May 25, 2017

  1. Slide 1: Investor Presentation: Financial Results 1Q FY2017

    Humanising Financial Services Investor Presentation Financial Results First Quarter FY2017 ended 31 March 2017 25 May 2017 www.maybank.com 0

  2. Slide 2: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 20 Appendix: 1. Financial Performance 23 2. Community Financial Services 31 3. Global Banking 36 4. Maybank Singapore 41 5. Maybank Indonesia 45 6. Other segments 50 7. Affiliates 55 1Financial Results: 1Q FY2017 ended 31 M

  3. Slide 3: 1Q FY2017 Overview

    1Q FY2017 Overview Higher YoY net operating income of RM5.55 billion, while net profit rose to RM1.70 billion 1 • Net operating income growth of 3.0% YoY supported by growth in net fund based income of 8.6% YoY as Group loans grew 10.1% across home markets Improved earnings • NIM improved by 9bps Yo

  4. Slide 4: FY2017 Key Performance Indicators Review

    FY2017 Key Performance Indicators Review Group to focus on picking up momentum in key markets in remaining quarters of 2017 1Q FY2017 Achievement FY2017 Key Performance Indicators Guidance Dec 2016 Mar 2017 (RM’billion) (RM’billion) QoQ Annualised YoY Headline KPI Return on Equity 10%-11% - 10.0% -

  5. Slide 5: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 20 Appendix: 1. Financial Performance 23 2. Community Financial Services 31 3. Global Banking 36 4. Maybank Singapore 41 5. Maybank Indonesia 45 6. Other segments 50 7. Affiliates 55 4Financial Results: 1Q FY2017 ended 31 M

  6. Slide 6: P&L Summary: 1Q FY2017

    P&L Summary: 1Q FY2017 Higher net profit of 19.3% YoY to RM1.70 billion on lower net impairment losses More 1Q 1Q 4Q details on RM million YoY QoQ FY2017 FY2016 FY2016 s.7 Net fund based income * 4,117.9 3,793.6 8.6% 3,917.9 5.1% s.7/8/ 24 Net fee based income * 1,436.8 1,598.2 (10.1)% 2,150.0 (33.2

  7. Slide 7: Franchise-Led Growth: 1Q FY2017 (1/2)

    Franchise-Led Growth: 1Q FY2017 (1/2) Group revenue grew 3.0% YoY on the back of 9.0% revenue increase from Group Community Financial Services Net Operating Income Group Global Banking  (2.1)%  +3.0% 1Q FY2016: 2,369 1Q FY2017: 2,319 1Q FY2016 1Q FY2017 5,392 5,555  +9.0%  (4.6)%  (6.3)%  +>10

  8. Slide 8: Franchise-Led Growth: 1Q FY2017 (2/2)

    Franchise-Led Growth: 1Q FY2017 (2/2) Strong net fund based income growth of 8.6% YoY contributed by growth in all business segments Net Fund Based Income Group Global Banking  +9.6%  +8.6% 1Q FY2016: 1,211 1Q FY2017: 1,327 1Q FY2016 1Q FY2017 4,118 3,794  +9.3%  +9.9%  +5.4%  +36.2%  +7.6% 2

  9. Slide 9: Net Fee Based Income: 1Q FY2017

    Net Fee Based Income: 1Q FY2017 Lower net fee based income, arising mainly from unrealised losses on derivatives RM million 1Q FY2016 1Q FY2017 YoY Commission, service charges and fees 901 860  (4.5)% Investment & Trading Income 235 232  (1.0)% Unrealised gain/ (losses) on securities 120 206  72.

  10. Slide 10: Overheads: 1Q FY2017

    Overheads: 1Q FY2017 Overheads YoY growth mainly from higher personnel costs and administration & general expenses 1Q 1Q 4Q (RM’ mil) YoY QoQ FY2017 FY2016 FY2016 Personnel Costs 1,507.0 1,414.1 6.6% 1,354.1 11.3% Establishment Costs 482.3 475.9 1.4% 451.0 6.9% Marketing Expenses 135.3 140.0 (3.4)%

  11. Slide 11: Group Gross Loans Growth: Mar 2017

    Group Gross Loans Growth: 31 Mar 2017 Group loans grew 10.1% YoY supported by growth from all home markets, with Group NIM expanding 9bps to 2.43% Maybank Group Maybank Malaysia Maybank Singapore Maybank Indonesia Loans Loans Loans Loans YoY  +10.1%  +7.2%  +6.4%  +7.0% 486.1 441.7 270.7 252.6 1

  12. Slide 12: Group Deposits Growth: Mar 2017

    Group Deposits Growth: 31 Mar 2017 Continued focus by Group on CASA growth across home markets Maybank Group Maybank Malaysia Maybank Singapore Maybank Indonesia Deposits Deposits Deposits Deposits YoY  +4.5%  +2.8%  (4.6)%  + 2.5% 491.5 513.4 294.1 302.3 14.9 18.5 115.2 118.0 SGD billion IDR tr

  13. Slide 13: LDR and CASA Ratio

    LDR and CASA Ratio Group CASA ratio improved YoY and QoQ, driven by CASA growth in Malaysia and Singapore Group LDR CASA CASA (without IA) Malaysia 93.2% 94.7% 50.0% 96.0% 89.9% 90.9% 90.2% 89.1% 91.3% 90.6% 88.5% 100.0% 80.0% 45.0% 90.0% 70.0% 80.0% 37.1% 70.0% 35.7% 40.0% 60.0% 60.0% 33.3% 33.4% 3

  14. Slide 14: Strong Liquidity

    Strong Liquidity Group LCR of 134% above BNM minimum requirement of 80% for 2017 Liquidity Coverage Ratio Group Liquidity Coverage Ratio (%) Short-term resilience – Adequate level of high-quality liquid assets to meet Objective liquidity need for next 30 days under significant stress scenario 148 15

  15. Slide 15: Asset Quality

    Asset Quality Lower YoY and QoQ allowances for loan losses Allowance for losses on loans Group Gross Impaired Loans (GIL) Ratio Composition Mar Dec Sep Jun Mar GIL Ratio Components 2017 2016 2016 2016 2016 Allowances for losses on loans Non Performing Loans Loan loss coverage 1.77% 1.64% 1.35% 1.32%

  16. Slide 16: Asset Quality by Market

    Asset Quality by Market Continued proactive management of asset quality in home markets Malaysia Singapore Indonesia Gross Impaired Loans Net Impaired Loans 4.55% 2.23% 4.21% 4.36% 2.14% 2.06% 2.13% 1.68% 4.06% 1.28% 1.38% 1.30% 3.99% 1.83% 0.98% 1.78% 3.54% 1.37% 3.30% 3.44% 1.63% 1.08% 1.16% 1.07%

  17. Slide 17: Asset Quality by Line of Business

    Asset Quality by Line of Business Asset quality weakness mainly remains in business portfolios of home markets Malaysia Singapore Indonesia Consumer 2.0 0% Mortgage 3.0 0% Auto Finance Credit Cards 2.0 0% 2.0 0% 1.76% 1.53% 1.51% 1.54% 1.51% 3.0 0% 2.56% 3.0 0% 1.27% 1.32% 2.45% 2.48% 2.0 0% 0.95% 1

  18. Slide 18: Commodities Exposure: March 2017

    Commodities Exposure: 31 March 2017 Maybank Group’s exposure to direct and indirect oil and gas borrowers as well as other commodities Direct & Indirect Oil & Gas: Other Sectors Borrowers with O&G related exposure Agriculture Maybank Oil & Gas Malaysia Singapore Indonesia Others Group Maybank Group

  19. Slide 19: Strong Capital Position: March 2017

    Strong Capital Position: 31 March 2017 Total capital and CET1 ratios (assuming 85% dividend reinvestment rate) at 18.50% and 13.02% respectively After proposed Before proposed dividend, Regulatory Requirements dividend assuming 85% reinvestment Jan 2019 rate 2017 2018 Onwards 19.29% 18.86% 18.50% Mi

  20. Slide 20: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 20 Appendix: 1. Financial Performance 23 2. Community Financial Services 31 3. Global Banking 36 4. Maybank Singapore 41 5. Maybank Indonesia 45 6. Other segments 50 7. Affiliates 55 Financial Results: 1Q FY2017 ended 31 Ma

  21. Slide 21: Market Outlook

    Market Outlook 2017 industry outlook for our home markets Key Indicators Industry Outlook • Positive signs of a pick-up in industry growth led • GDP (f) 5.1% (2016: 4.2%) by business loan demand • System loan (f) 4.7% for 2017 • Competition for deposits to remain keen • OPR(f) 3.00% (2016: 3.00%) •

  22. Slide 22: Maybank Performance Outlook

    Maybank Performance Outlook Group performance in remaining quarters to be supported by top line growth Improved top line growth from selective loan growth 1 and fee income contribution NIM management through disciplined pricing 2 and continued CASA growth 3 Continued cost discipline to achieve full-

  23. Slide 23: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 20 Appendix: 1. Financial Performance 23 2. Community Financial Services 31 3. Global Banking 36 4. Maybank Singapore 41 5. Maybank Indonesia 45 6. Other segments 50 7. Affiliates 55 Financial Results: 1Q FY2017 ended 31 Ma

  24. Slide 24: International & Malaysia Portfolio Mix 1Q FY2017

    International & Malaysia Portfolio Mix 1Q FY2017 Net Income Profit Before Tax Gross loans* 1Q FY2017 (Jan 17 – Mar 17) Overseas: 8.5% Overseas: 12.8% Overseas: 8.9% 42.5% 30.5% 43.6% 8.4% 15.3% 8.7% RM5.55b 9.0% RM2.25b RM486.1b 57.5% 56.4% 26.3% 18.7% 69.5% Malaysia Singapore Indonesia Others 1Q FY

  25. Slide 25: Net Fee Based Income: QoQ

    Net Fee Based Income: QoQ RM million 4Q FY2016 1Q FY2017 QoQ Commission, service charges and fees 982 860  (12.4)% Investment & Trading Income 625 232  (62.8)% Unrealised gain/ (losses) on securities (373) 206  >100% Unrealised gain/ (losses) on derivatives (570) (76)  86.6% Foreign Exchange Pro

  26. Slide 26: Unaudited Income Statement for Insurance and Takaful Business

    Unaudited Income Statement for Insurance and Takaful Business RM million 1Q FY2017 1Q FY2016 YoY 4Q FY2016 QoQ Net interest income 251.1 233.0 7.8% 261.8 (4.1)% Net earned premiums 1,253.9 1,168.6 7.3% 1,192.5 5.1% Other operating income 259.8 247.6 4.9% (280.7) >100% Total operating income 1,764.8

  27. Slide 27: Group Gross Loans Growth: Mar 2017

    Group Gross Loans Growth: 31 Mar 2017 % of 31 Mar 31 Dec YTD 31 Mar YoY Portfolio 2017 2016 Annualised 2016 Group Gross Loans 486.1 485.7  0.3% 441.7  10.1% Malaysia (RM billion) 56% 270.7 272.0  (1.8)% 252.6  7.2% Community Financial Services – reported 72% 195.6 194.4  2.5% 184.1  6.2% Commu

  28. Slide 28: Malaysia Loans Growth: Mar 2017

    Malaysia Loans Growth: 31 Mar 2017 % of 31 Mar 31 Dec YTD 31 Mar RM billion YoY Portfolio 2017 2016 Annualised 2016 Community Financial Services – reported 72% 195.6 194.4  2.5% 184.1  6.2% Community Financial Services - rebased¹ 72% 195.6 193.7  3.9% 184.1  6.2% Consumer 80% 156.3 155.3  2.4%

  29. Slide 29: Group Deposits Growth: Mar 2017

    Group Deposits Growth: 31 Mar 2017 % of 31 Mar 31 Dec YTD 31 Mar YoY Portfolio 2017 2016 Annualised 2016 Group Gross Deposits 513.4 521.4  (6.1)% 491.5  4.5% Malaysia (RM billion) 59% 302.3 301.3  1.4% 294.1  2.8% Savings Deposits 14% 41.2 38.8  25.5% 41.4  (0.4)% Current Accounts 28% 83.2 83.

  30. Slide 30: Key Operating Ratios

    Key Operating Ratios (%) 1Q FY2017 1Q FY2016 YoY 4Q FY2016 QoQ Return on Equity 10.0 9.3 0.7% 14.8 (4.8)% Net Interest Margin 2.43 2.34 9 bps 2.32 11 bps Fee to Income Ratio 25.9 29.6 (3.7)% 35.4 (9.5)% Loans-to-Deposit Ratio 94.7 89.9 4.8% 93.2 1.5% Cost to Income Ratio1 50.3 48.4 1.9% 43.3 7.0% As

  31. Slide 31: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 20 Appendix: 1. Financial Performance 23 2. Community Financial Services 31 3. Global Banking 36 4. Maybank Singapore 41 5. Maybank Indonesia 45 6. Other segments 50 7. Affiliates 55 Financial Results: 1Q FY2017 ended 31 Ma

  32. Slide 32: Community Financial Services: Overview of Market Share for Malaysia

    Community Financial Services: Overview of Market Share for Malaysia Dec-16 Market Market share Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 vs position Mar-17 Loans Total consumer (Household) 17.4% 17.4% 17.5% 17.6% 17.5% # 2 Auto (Purchase of transport vehicles) 23.7% 24.1% 24.7% 25.4% 25.8% # 2 Total mortga

  33. Slide 33: Community Financial Services: Overview of Malaysia Loans Portfolio

    Community Financial Services: Overview of Malaysia Loans Portfolio Consumer loans grew 6.1% YoY to RM156.3 billion led by Business Banking + SME loans grew by 7.0% YoY to RM39.3 mortgage growth of 7.8% billion led by SME growth of 24.7%  +6.1% YoY  +0.6% QoQ  +7.0% YoY 200 60  +0.7% QoQ 180 155.

  34. Slide 34: Community Financial Services: Overview of Malaysia Deposits Portfolio

    Community Financial Services: Overview of Malaysia Deposits Portfolio CFS deposits grew 2.1% YoY to RM212.3 billion Consumer deposits grew 6.8% to RM140.1 billion  +2.1% YoY  +6.8% YoY  (0.8)% QoQ 200  +2.4% QoQ 250 180 208.0 214.0 212.3 140.1 160 136.8 200 131.3 140 120 150 100 RM billion RM bi

  35. Slide 35: Community Financial Services: Overview of CFS Malaysia Asset Quality

    Community Financial Services: Overview of CFS Malaysia Asset Quality CFS GIL increased marginally to 2.2% due to a slight uptick Consumer GIL remained stable at 0.5%, lower than the in Business Banking GIL industry average of 1.0% 4,301.6 4,134.3 3,415.2 783.7 708.1 739.0 2.1 2.2 1.9 0.5 0.5 0.5 Mar

  36. Slide 36: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 20 Appendix: 1. Financial Performance 23 2. Community Financial Services 31 3. Global Banking 36 4. Maybank Singapore 41 5. Maybank Indonesia 45 6. Other segments 50 7. Affiliates 55 Financial Results: 1Q FY2017 ended 31 Ma

  37. Slide 37: Global Banking: Overview of Malaysia Corporate Banking Portfolio

    Global Banking: Overview of Malaysia Corporate Banking Portfolio Total GB loans increased 10.1% YoY to RM76.4 billion Trade Finance market share ¹ 26.2% RM billion 25.5% 25.5% 25.3% 37.9 25.1%  +0.7% YoY Term Loan 39.2 37.6 Mar 16 Jun 16 Sep 16 Dec 16 Mar 17 26.9 ¹ Market share of total trade produ

  38. Slide 38: Global Banking: Overview of Group Global Markets Portfolio

    Global Banking: Overview of Group Global Markets Portfolio Lower Global Market revenue of 15.8% YoY Group Securities Portfolio grew 9.3% YoY Revenue Profit before Tax  +9.3% (15.8)% (20.1)% 126.2 135.9 124.4 124.9 118.0 955.8 820.2 10.9 11.4 12.5 12.0 805.0 655.2 9.4 305.1 57.3 RM billion RM mill

  39. Slide 39: Global Banking: Overview of Group Investment Banking Portfolio

    Global Banking: Overview of Group Investment Banking Portfolio 1Q FY2017 Total Income Breakdown by Country Total Income for Maybank Kim Eng Hong Kong Others Phillipines 5% 3%  (6.3)% 1% 500.0 Indonesia 375.9 3% 400.0 352.1 Malaysia 300.0 RM million RM352.1 mil 39% 200.0 Thailand 26% 100.0 - 1Q FY20

  40. Slide 40: Global Banking: Notable Deals for 1Q FY2017

    Global Banking: Notable Deals for 1Q FY2017 Malaysia Singapore Indonesia Singapore Malaysia Singapore GOVCO HOLDINGS FENGHUANG DEVELOPMENT SABANA SHARI’AH DASIN RETAIL TRUST PT TRANS RETAIL INDONESIA COMPLIANT REIT GOVCO HOLDINGS BERHAD OXLEY GEM PTE LTD SDN BHD SGD430.0 Million & SGD80.2 Million RM

  41. Slide 41: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 20 Appendix: 1. Financial Performance 23 2. Community Financial Services 31 3. Global Banking 36 4. Maybank Singapore 41 5. Maybank Indonesia 45 6. Other segments 50 7. Affiliates 55 Financial Results: 1Q FY2017 ended 31 Ma

  42. Slide 42: Maybank Singapore: P&L Summary

    Maybank Singapore: P&L Summary (SGD mil) 1Q FY2017 1Q FY2016* YoY Net Fund Based income 167.22 147.64 +13.3% Net Fee Based income 79.70 58.05 +37.3% Net income 246.92 205.69 +20.0% Overhead expenses (91.86) (89.70) +2.4% Operating profit 155.06 115.99 +33.7% Profit before taxation 88.96 61.23 +45.3%

  43. Slide 43: Maybank Singapore: Overview of Loans Portfolio

    Maybank Singapore: Overview of Loans Portfolio Diversified Loan Portfolio  +6.4%  Total loans expanded by 6.4% YoY to SGD 39.1 billion as at 31 36.7 38.9 39.1 Other March 2017. (Consumer) 3.4 3.5 3.5 Car Loan 1.7 1.8 1.9 Consumer  Consumer loans rose 4.6% YoY to SGD 15.2 billion. Gains were recor

  44. Slide 44: Maybank Singapore: Overview of Deposits Portfolio

    Maybank Singapore: Overview of Deposits Portfolio Consumer deposits account for 53% of deposits Robust CASA growth of 37.9% YoY -4.6 % YoY 45.7 45.5 43.7 Consumer - Time Deposits Time Deposits 18.0 16.5 Demand Deposits 20.9 Consumer SGD billion 33.0 30.8 Savings SGD billion 53% Consumer CASA 36.4 6.

  45. Slide 45: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 20 Appendix: 1. Financial Performance 23 2. Community Financial Services 31 3. Global Banking 36 4. Maybank Singapore 41 5. Maybank Indonesia 45 6. Other segments 50 7. Affiliates 55 Financial Results: 1Q FY2017 ended 31 Ma

  46. Slide 46: Maybank Indonesia: P&L Summary

    Maybank Indonesia: P & L Summary (IDR bil) 1Q FY2017 1Q FY2016 YoY 4Q FY2016 QoQ Net Fund Based income 1,900 1,726 10.1% 1,938 (2.0)% Net Fee Based income 567 640 (11.4)% 670 (15.5)% Net income 2,467 2,366 4.3% 2,609 (5.5)% Overhead expenses (1,444) (1,381) 4.5% (1,372) 5.2% Personnel (612) (590) 3.

  47. Slide 47: Maybank Indonesia: Portfolio Overview

    Maybank Indonesia: Portfolio Overview Loans composition (Consolidated) Net Interest Margin (Consolidated) IDR Trillion  6.2% YoY 121.8 119.9 112.5 112.9 5.12% 5.17% 91.1 91.3 96.0 93.8 4.84% 4.83% 21.5 21.5 25.7 26.0 Dec-15 Mar-16 Dec-16 Mar-17 Dec-15 Mar-16 Dec-16 Mar-17 Global Banking Community F

  48. Slide 48: Maybank Indonesia: Overview of Maybank Finance Operations

    Maybank Indonesia: Overview of Maybank Finance Operations Revenue and Profit Before Tax Financing – stand alone IDR billion IDR billion  +49.9%  +24.1% 6,341 262 211 4,229  +30.5% 87 67 Mar-16 Mar-17 Mar-16 Mar-17 Revenue Profit Before Tax Consumer Financing Asset Quality Unit Financing (unit) 

  49. Slide 49: Maybank Indonesia: Overview of WOM Finance Operations

    Maybank Indonesia: Overview of WOM Finance Operations Revenue and Profit Before Tax Financing – stand alone IDR billion IDR billion  +17.9%  +10.0% 504 5,623 458 4,770  +36.1% 26 36 Mar-16 Mar-17 Mar-16 Mar-17 Revenue Profit Before Tax Asset Quality Unit Financing (‘000 unit)  (15.9)% 3.84% 109

  50. Slide 50: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 20 Appendix: 1. Financial Performance 23 2. Community Financial Services 31 3. Global Banking 36 4. Maybank Singapore 41 5. Maybank Indonesia 45 6. Other segments 50 7. Affiliates 55 Financial Results: 1Q FY2017 ended 31 Ma

  51. Slide 51: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance Maybank Islamic: Total Gross Financing grew to RM150.5 billion RM million 1Q FY2017 1Q FY2016 YoY 15% Mar-16 Mar-17 38.9 7% Total Income 1,148.4 933.4 23.0% 5% 33.7 33.7 31.8 31.5 Profit Before Tax 662.3 548.7 20.7%

  52. Slide 52: Islamic Banking: Market Share

    Islamic Banking: Market Share Maybank Islamic Market Share (Malaysia) as of Mar 17 Market Share by Product (Malaysia) as of Mar 17 34.4% 33.8% 33.9% 33.9% Key Products Mar 17 Mar 16 33.2% Automobile Financing 44.7% 42.2% 31.3% Home 28.3% 27.9% 30.0% 30.3% 30.3% 29.7% Term Financing 29.5% 30.1% Mar 1

  53. Slide 53: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Gross Premium Life / Family (New Business) Market Share Single Premium 132.6% AIA Ins. & Tak. 21.6% Regular Premium 1Q FY2017 15.5% 15.2% Prudential Ins. & Tak. Credit Premium 4.1% 1Q FY2016 No. 4 in Life/Family GE Ins. & Tak. 14.1% (New Business) Group

  54. Slide 54: Maybank Philippines: Performance Overview

    Maybank Philippines: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 4.5% YoY, led by higher net interest income (NII). +4.5% YoY  Increase in NII contributed by higher interest income from term loan. 1,299.9 1,357.9  PBT increased by PESO 155.6m or 77.6% YoY driven by h

  55. Slide 55: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 20 Appendix: 1. Financial Performance 23 2. Community Financial Services 31 3. Global Banking 36 4. Maybank Singapore 41 5. Maybank Indonesia 45 6. Other segments 50 7. Affiliates 55 Financial Results: 1Q FY2017 ended 31 Ma

  56. Slide 56: An Binh Bank: Performance Overview

    An Binh Bank: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 29.1% YoY, mainly due to higher net interest income and fee income. +29.1% YoY  PBT increased by 87.5% or VND42.6b YoY, mainly contributed by higher revenue. 599.9  Gross loans expanded by 12.8.% YTD ann. main

  57. Slide 57: MCB Bank: Performance Overview

    MCB Bank: Performance Overview Key Highlights Revenue and PBT  Revenue and PBT increased by 3.2% and 0.3% YoY respectively, +3.2% YoY mainly due to increase in non-interest income (NOII). 14.7 15.1  Higher NOII was mainly attributed from gain on sale of securities. 0.3% YoY  Gross loans increased

  58. Slide 58: Malayan Banking Berhad Investor Relations Contact

    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 Investor Relations Contact Dato’ Amirul Feisal Wan Zahir Group Chief Financial Officer Contact: (6)03-2074 7703 Email: feisal.zahir@

Malayan Banking Berhad (Maybank) — Q1 2017 Earnings Presentation on 6ix