Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — Non-Deal Roadshow (October 2025)

36 slides from Malayan Banking Bhd's roadshow presentation, Oct 10, 2025

  1. Slide 1: Investor Presentation - Maybank Non-Deal Roadshow London 2025

    Public Disclaimer: The contents of this document/information remain the intellectual property of Maybank and no part of this is to be reproduced or transmitted in any form or by any means, including electronically, photocopying, recording or in any information storage and retrieval system without th

  2. Slide 2: Table of Contents

    Table of Contents Executive Summary 2-14 1H FY2025 Financial Performance 16-22 Appendix: 1. Group Performance 24-34 1

  3. Slide 3: 1H FY2025: Net Profit Rose 4.0% YoY to RM5.22 billion

    1H FY2025: Despite Soft Markets, Net Profit Rose 4.0% YoY to RM5.22 billion with Strong Uplift in Return on Equity of 11.5%, Ahead of Guidance 1H FY2025 vs 1H FY2024 2Q FY2025 vs 2Q FY2024 1H FY2025 YoY Performance Highlights Net Operating Net Interest Net Operating Net Interest Income Income Margin

  4. Slide 4: As at 30 June 2025: Continued CASA Traction, Stable Liquidity and Capital

    As at 30 June 2025: Continued CASA Traction, Underpinned by Stable Liquidity and Capital Positions; Provision Coverage Maintained >100% As at 30 Jun 2025 Performance Highlights Group CASA Loan Loss Coverage Group Total Asset Quality Ratio Ratio (LLC) Capital Ratio  Healthy LLC ratio of 117.9%; GIL

  5. Slide 5: Maybank Continues To Look for Growth Opportunities Across Segments

    Maybank Continues To Look for Growth Opportunities Across Segments Despite Soft Markets with Slight Revision to Loan & NIM Expectations Indicator Previous Guidance New Guidance Driver Return on Equity ≥11.3% On Track Cost to Income ≤49% On Track Ratio Net Credit ≤30 bps On Track Charge Off Rate Grou

  6. Slide 6: M25+ Progress: Super Growth Drivers Demonstrate Progress

    M25+ Progress: Super Growth Drivers Demonstrate Progress Despite Challenging Markets 1H FY2025 Progress (YoY) Total Committed M25+ Investments (Opex and Capex) Wealth management (WM) SP5 Total Wealth Islamic Tech-for-Tech, Enhanced suite of tools and services, improved UX to empower RMs & customers

  7. Slide 7: Wealth Management Approach: ASEAN+ Connectivity Using Singapore as Hub

    We Changed Our Wealth Management Approach and Are Focused on ASEAN+ Connectivity Using Singapore As Our Hub Holistic cross-border solutions anchored on customers’ needs Our Approach Key Segments Emerging to high-affluent, rising middle class, early wealth HNWI, C-suites, VCC/Family offices One Capta

  8. Slide 8: Strong Wealth Management Income CAGR and Islamic WM Income CAGR

    Resulting in Strong Wealth Management (WM) Income CAGR at 12% (5-Years) & Islamic WM Income CAGR of 16% (3-Years) Total Income (RM mil) Wealth Fees (RM mil) AUM (RM bil) Total Financial Assets (RM bil) 12% CAGR 13% CAGR 8% CAGR 9% CAGR GWM by Country 4,205 6,548 3,258 728 1,170 624 245 337 347 374 5

  9. Slide 9: Focus on Mid Market Customers Yielded Better Product Penetration

    Focus on Mid Market Customers Yielded Better Product Penetration & Higher Loan Composition to Our MY & SG Global Banking Portfolios Mid-market IB no. of Driving Focused Growth Our Approach deals completed Composition of MY mid-market loans vs MY GB loan book +30% Grew regional mid-market footprint a

  10. Slide 10: Broadened FX Ecosystem and Digital Efficiencies For Global Markets FX

    We Have Broadened Our FX Ecosystem and Leveraged Digital Efficiencies For Global Markets FX Sales Income Uplift Our Approach RM mil 1H’25 1H’24 YoY Broadened Optimised customer experience Group GM FX Sales Income 450.4 432.3 4% FX ecosystem through resolution of pain points across end-to-end custome

  11. Slide 11: Most M25+ Targets Will Be Met

    Most M25+ Targets Will Be Met Arising From Our Focus on Income Uplift & Technology Advancement for Better Customer Experience On track Our Performance Against M25+ Targets Financials FY2022 (A) FY2023 (A) FY2024 (A) 1H FY2025 (A) M25+ (T) 2-3x Income growth (%) 8.5 3.3 8.1 3.2 FY2021-FY2025 CAGR ~7

  12. Slide 12: Supporting Real Economy Transition and Advancing Thought Leadership in Social Impact

    Supporting Real Economy Transition and Advancing Thought Leadership in Social Impact Driving Continuous ESG Risk Management and Excellence in Sustainable Finance Sustainable Finance Solutions Cumulative Achievement: RM139.62 bil 2025 Cumulative Target: RM80 bil Sustainalytics ESG Risk Rating has imp

  13. Slide 13: Tapered Economic and Loans Growth Forecasts for Home Markets

    Tapered Economic and Loans Growth Forecasts for Home Markets Amid Global Trade Headwinds Malaysia Singapore Indonesia 2025 Forecast Previous Current Change 2025 Forecast Previous Current Change 2025 Forecast Previous Current Change (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) GDP 4.9% 4.2%  GDP

  14. Slide 14: Five-Year Financial Trends (1/2)

    Five-Year Financial Trends (1/2): Stable Profitability Indicators Supported by Healthy Liquidity Indicators Profitability Indicators Liquidity Indicators 2025 Guidance Return 9.8% 9.6% 10.8% 11.1% 11.5% 8.1% ≥11.3% Liquidity 144.6% 139.5% 140.3% 138.8% 134.0% 138.1% on Coverage Equity Ratio1 Fee to

  15. Slide 15: Five-Year Performance Trends (2/2)

    Five-Year Performance Trends (2/2): Stable Asset Quality Indicators; Capital Levels Remained Strong Asset Quality Indicators Capital Ratios & Dividend Payout Post Dividend (Group level) 106.3% 111.9% 131.2% 124.9% 126.9% 117.9% Loan Loss CET 1 14.73% 15.40% 14.78% 15.34% 14.90% 14.68% Coverage Capit

  16. Slide 16: Table of Contents

    Table of Contents Executive Summary 2-14 1H FY2025 Financial Performance 16-22 Appendix: 1. Group Performance 24-34 15

  17. Slide 17: Net Fund Based Income Grew 1.2% YoY as Loans Growth Slowed

    Net Fund Based Income Grew 1.2% YoY as Loans Growth Slowed to 0.8% YTD Ann. and Overseas NIMs Impacted by Reducing Rate Environment Net Fund Based Income Net Interest Margin (NIM) QoQ  (0.4)%  0.1% (Ann.) 2Q’25 vs 2Q’24  1.2% YoY 2Q’25 vs 1Q’25 Trend 2.06% 2.03% 2.06% 2.04% 2.00% 2Q'24 3Q'24 4Q'2

  18. Slide 18: NoII Rose 7.0% YoY on Investment & Trading Income Gains

    NoII Rose 7.0% YoY on Investment & Trading Income Gains and Growth in Wealth Fees Non-Interest Income (NoII) 1H FY2025 YoY Performance  0.4%  14.0%  7.0% YoY 2Q’25 vs 1Q’25 2Q’25 vs 2Q’24  Wealth fee rose 15.1% on higher investment and banca 5.51 2.76 2.75 5.15 income 2.41 0.16 1.06  Higher glo

  19. Slide 19: Group Insurance & Takaful PBT Impacted by Softer Equity Markets

    Group Insurance & Takaful PBT Impacted by Softer Equity Market Conditions but Cushioned by Higher Underwriting Income Group Insurance & Takaful Key Drivers • PBT decreased on lower net investment income affected by PBT softer equity market conditions, in contrast to 2024 where (RM million) strong eq

  20. Slide 20: Stable Cost-to-Income Ratio on Moderate Cost Increase of 3.8% YoY

    Stable Cost-to-Income Ratio on Moderate Cost Increase of 3.8% YoY CIR and Costs 48.9% 48.5% 49.3% 48.6% 48.9%  5.3%  3.8% YoY  1.1% 2Q’25 vs 1Q’25 2Q’25 vs 2Q’24 7.25 7.53 3.59 3.74 3.79 1.56 1.58 M25+ related spend 0.77 0.78 0.33 as at 1H FY2025 0.80 0.29 0.17 0.16 1.17 1.19 (RM million) 0.15 0.

  21. Slide 21: Recorded CASA Growth Across Home Markets; Healthy Liquidity

    Recorded CASA Growth Across Home Markets; Maintained Healthy Group Liquidity Indicators Deposits YTD Ann. Growth Liquidity Indicators Group Malaysia (MY) Singapore (SG) Indonesia (IDN)  2.1%  2.9  5.4%  (7.0)% 741.9 749.7 136.7% 135.7% 138.1% 459.6 466.3 Others 103.5 92.6 115.9% 117.6% 91.3 118.

  22. Slide 22: 1H FY2025 Net Credit Charge Off Rate of 24 bps

    1H FY2025 Net Credit Charge Off Rate of 24 bps Well Within Full Year Guidance; Additional MOA QoQ Reflects Uncertainties From US Tariffs Loan ECL, NCC, and LLC Gross Impaired Loans (GIL) P&L ECL Group GIL Volume and Ratio Country GIL Volume and Ratio (RM billion) 4.18% 4.02% 3.97%  10.2%  11.0% 

  23. Slide 23: Strong Capital Positions on Contained RWA Growth

    Strong Capital Positions on Contained RWA Growth and Adoption of Basel III Reform for Operational RWA This Year Capital Ratios Jun’25 Group Bank vs YTD Growth (%) Jun’24 Annualised (YoY) 18.04% 17.93% 16.79% 16.43% 15.27% 15.04% 13.89% 13.75% Group Loans 1.3% 0.8% 14.90% 14.68% 13.67% 13.53% Dec 24

  24. Slide 24: Table of Contents

    Table of Contents Executive Summary 2-14 1H FY2025 Financial Performance 16-22 Appendix: 1. Group Performance 24-34 23

  25. Slide 25: International & Malaysia Portfolio Mix 1H FY2025

    International & Malaysia Portfolio Mix 1H FY2025 Net Operating Income Profit Before Tax Group Loans* 2.7% 5.4% 1H FY2025 5.4% 4.2% (Jan 25 – Jun 25) 7.9% 4.8% 18.2% Overseas: 18.1% RM15.40 Overseas: RM7.11 Overseas: 26.5% RM677.6 31.5% billion 25.1% billion 36.7% billion 63.3% 68.6% 74.9% Malaysia S

  26. Slide 26: Segmental Business Portfolio Mix 1H FY2025

    Segmental Business Portfolio Mix 1H FY2025 Net Operating Income Profit Before Tax Group Loans* 1H FY2025 4.4% 8.0% (Jan 25 – Jun 25) 33.7% 35.8% RM15.40 RM7.11 RM677.6 40.4% billion billion billion 55.2% 64.1% 58.3% Group Community Financial Services Group Global Banking Group Insurance & Takaful 1H

  27. Slide 27: Group Loans Growth: 30 June 2025

    Group Loans Growth: 30 June 2025 % of 31 Dec 2024 YTD 30 Jun 2025 31 Mar 2025 QoQ 30 Jun 2024 YoY Portfolio (Rebased) Annualised Group Loans 677.6 678.7  (0.2)% 675.0  0.8% 668.8  1.3% Malaysia (RM billion) 63% 429.3 425.2  1.0% 418.9  5.0% 401.9  6.8% Community Financial Services (rebased) 72

  28. Slide 28: Malaysia Loans Growth: 30 June 2025

    Malaysia Loans Growth: 30 June 2025 % of YTD RM billion 30 Jun 2025 31 Mar 2025 QoQ 31 Dec 2024 30 Jun 2024 YoY Portfolio Annualised Community Financial Services (rebased) 72% 307.8 302.9  1.6% 298.2  6.4 286.6  7.4% Consumer 62% 266.6 262.3  1.6% 257.8  6.8% 246.4  8.2% Total Mortgage 37% 160

  29. Slide 29: Singapore Loans Growth: 30 June 2025

    Singapore Loans Growth: 30 June 2025 YTD SGD Billion % of portfolio 30 Jun 2025 31 Mar 2025 QoQ 31 Dec 2024 30 Jun 2024 YoY Annualised Community Financial Services 56% 29.0 28.3  2.4% 28.3  4.8% 26.9  7.9% Consumer 43% 22.5 22.1  2.1% 22.1  3.9% 20.9  7.9% Mortgage 28% 14.6 14.4  1.7% 14.5 

  30. Slide 30: Indonesia Loans Growth: 30 June 2025

    Indonesia Loans Growth: 30 June 2025 YTD IDR Billion % of portfolio 30 Jun 2025 31 Mar 2025 QoQ 31 Dec 2024 30 Jun 2024 YoY Annualised Community Financial Services 68% 85.0 84.3  0.8% 83.1  4.4% 77.7  9.4% Consumer 37% 46.6 46.1  1.0% 45.5  4.4% 43.5  7.0% Mortgage 14% 17.1 17.0  0.4% 17.0 

  31. Slide 31: Group Deposits Growth: 30 June 2025

    Group Deposits Growth: 30 June 2025 YTD % of Portfolio 30 Jun 2025 31 Mar 2025 QoQ 31 Dec 2024 30 Jun 2024 YoY Annualised Group Deposits 749.7 744.9  0.6% 741.9  2.1% 706.5  6.1% Total CASA 283.3 272.6  3.9% 270.6  9.4% 269.5  5.1% Total Fixed Deposits 373.9 377.3  (0.9)% 367.8  3.3% 350.3 

  32. Slide 32: LDR and CASA Ratio

    LDR and CASA Ratio Malaysia Group LDR CASA NSFR LCR * 136.7% 134.2% 134.0% 135.7% 138.1% 114.1% 114.1% 116.4% 115.9% 117.6% 91.8% 92.4% 92.7% 91.1% 91.1% 94.5% 93.8% 90.9% 90.7% 90.2% 44.2% 41.2% 42.2% 38.1% 36.2% 36.5% 37.8% 42.2% 41.9% 36.6% Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Jun 2024 Se

  33. Slide 33: Asset Quality by Line of Business in Home Markets

    Asset Quality by Line of Business in Home Markets Consumer GIL Ratios Mortgage Auto Finance Credit Cards 1.05% 1.00% 0.89% 1.64% 4.84% 0.85% 0.91% 1.51% 4.53% 1.32% 1.34% 4.10% 4.08% 3.97% 0.70% 0.76% 0.74% 1.19% 0.68% 0.66% 1.43% 1.37% 0.57% 0.59% 0.54% 0.57% 0.59% 1.20% 1.10% 1.17% 0.07% 0.06% 0.0

  34. Slide 34: Dividend: 1H FY2025

    Dividend: 1H FY2025 Higher full cash interim dividend of 30 sen per share from 29 sen the previous corresponding period Dividend Policy Min 40% Dividend 76.3% 78.1% 78.5% 87.8% 91.2% 84.5% 87.5%^ 77.4% 77.3% 73.0% Payout Ratio 69.5% 100% 88% 100% 100% 100% 67% 63% 53% Cash Component of 27% 34% 19% T

  35. Slide 35: Market Share Overview for Community Financial Services Malaysia

    Market Share Overview for Community Financial Services Malaysia Market share Jun 24 Sep 24 Dec 24 Mar 25 Jun 25 Loans Total consumer 19.1% 19.2% 19.3% 19.4% 19.5% Auto (Retail Hire Purchase) 29.7% 29.6% 29.6% 29.3% 29.0% Total mortgage * 15.7% 15.9% 16.1% 16.3% 16.5% Credit cards ** 22.0% 21.6% 21.8

  36. Slide 36: Htunantsin

    Htunantsin Financial Services Maybank @Mymaybank £) @Maybank & @Mymaybank (in) @Maybank

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