Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — 9M FY2016 Earnings Presentation

59 slides from Malayan Banking Bhd's earnings presentation, Nov 24, 2016

  1. Slide 1: Investor Presentation: Financial Results 3Q FY2016 and 9M FY2016

    Humanising Financial Services Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 24 November 2016 www.maybank.com 0

  2. Slide 2: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 4 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 32 3. Global Banking 37 4. Maybank Singapore 42 5. Maybank Indonesia 46 6. Other segments 51 7. Affiliates 56 Financial 1 Results: 3Q FY2016 and 9M FY

  3. Slide 3: Maybank Group’s Financial Performance Update

    Maybank Group’s Financial Performance Update Improved QoQ earnings performance in 3Q FY2016, arising from proactive asset quality management efforts in 1H 2016 1 • Revenue growth of 2.1% to RM5.46 billion supported by: o Higher net fee based income of 10.4% due to non-interest income growth o Margin

  4. Slide 4: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 4 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 32 3. Global Banking 37 4. Maybank Singapore 42 5. Maybank Indonesia 46 6. Other segments 51 7. Affiliates 56 Financial 3 Results: 3Q FY2016 and 9M FY

  5. Slide 5: P&L Summary: 9M FY2016

    P&L Summary: 9M FY2016 Continued growth in 9M net income to new high of RM16.2 billion, supported by higher net fund based income of 5.2% More 9M 9M 3Q 2Q 3Q details RM million YoY QoQ YoY on FY2016 FY2015 FY2016 FY2016 FY2015 s.6 Net fund based income * 11,332.0 10,771.5 5.2% 3,728.6 3,780.3 (1.4)%

  6. Slide 6: Franchise-Led Growth: Net Operating Income and PPOP

    Franchise-Led Growth All business pillars recorded revenue and PPOP growth for 9M FY2016, despite slowing economic growth in key markets Net Operating Income 9M FY2015  +3.7% Group Global Banking (GB)  +13.9% 9M FY2016 15,623 16,195  +9.2%  +13.3%  +12.9%  +77.0%  +11.3% 9,557 8,749 RM millio

  7. Slide 7: Franchise-Led Growth: Net Fund and Fee Based Income

    Franchise-Led Growth Net fund based income rose 5.2% YoY, driven by strong growth of 11.6% in Group Community Financial Services Net Fund Based Income 9M FY2015  +5.2% Group Global Banking (GB)  +1.5% 9M FY2016 11,332 10,772  +11.6%  +0.1%  +37.7%  (>100)%  +10.3% 6,570 7,334 RM million 3,847

  8. Slide 8: Group Gross Loans Growth: September 2016

    Group Gross Loans Growth: 30 September 2016 Quarterly growth of 2.2% sustained by growth in most home markets and other key ASEAN markets 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep QoQ YTD Ann. YoY 2016 2016 2016 2015 2015 Group Gross Loans 461.2 451.1  2.2% 441.7 459.4  0.5% 464.4  (0.7)% Malaysia (RM b

  9. Slide 9: Malaysia Loans Growth: September 2016

    Malaysia Loans Growth: 30 September 2016 Consumer, SME and corporate banking segments continued to drive QoQ loans growth 30 Sep 30 June 31 Mar 31 Dec 30 Sep RM billion QoQ YTD Ann. YoY 2016 2016 2016 2015 2015 Community Financial Services (reported) 190.6 187.2  1.8% 184.1 182.7  5.7% 179.1  6.4

  10. Slide 10: Group Deposits Growth: September 2016

    Group Deposits Growth: 30 September 2016 Although Group deposits eased QoQ, YTD growth remained healthy at 3.2% 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep QoQ YTD Ann. YoY 2016 2016 2016 2015 2015 Group Gross Deposits 507.9 510.1  (0.4)% 491.5 495.8  3.2% 481.0  5.6% Malaysia (RM billion) 289.3 306.8  (

  11. Slide 11: NIM Trend: 3Q & 9M FY2016

    NIM Trend: 3Q & 9M FY2016 Marginal NIM compression of 1bps QoQ while YTD NIM of 2.26% within FY2016 guidance Net Interest Margin QoQ Trend 2.34 5-Year Trend 2.38 2.29 2.23 2.22 3Q '15 4Q '15 1Q '16 2Q '16 3Q '16 2.48 2.43 2.31 2.31 2.26 FY2012 FY2013 FY2014 FY2015 9M FY2016 10

  12. Slide 12: Overheads: 9M FY2016

    Overheads: 9M FY2016 Measured mid-single digit cost growth reflective of disciplined spend, with CIR at 48.9% Group overheads composition (RM’ mil) 9M FY2016 9M FY2015 YoY 3Q FY2016 2Q FY2016 QoQ Personnel Costs 4,293.4 4,178.5 2.8% 1,460.9 1,418.4 3.0% Establishment Costs 1,436.7 1,211.3 18.6% 495.

  13. Slide 13: LDR and CASA Ratio: September 2016

    LDR and CASA Ratio: 30 September 2016 Stronger QoQ Group CASA ratio of 34.5%, on the back of higher CASA ratios in Malaysia and Singapore Group LDR CASA Malaysia 96.6% 92.7%* 90.9%* 93.4% 92.3%* 96.0%* 89.9%* 88.5%* 90.2%* 89.1%* 41.1% 37.1% 36.9% 35.9% 37.5% 35.3% 33.7% 33.3% 33.4% 34.5% Sep 15 Dec

  14. Slide 14: Strong Liquidity: Liquidity Coverage Ratio

    Strong Liquidity Group LCR of 136% as at Sep 2016, above BNM minimum requirement of 70% for 2016 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

  15. Slide 15: Asset Quality

    Asset Quality Lower Group GIL ratio of 2.22% as at Sep 2016 while loan loss coverage strengthened to 74.8% Allowance for losses on loans Group GIL Ratio Composition Sep June March Dec Allowances for losses on loans GIL Ratio Components 2016 2016 2016 2015 Loan loss coverage (LLC) Non Performing Loan

  16. Slide 16: Asset Quality by Market

    Asset Quality by Market Moderating asset quality trends for home markets Malaysia Singapore Indonesia Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) 4.54 1.38 4.21 1.28 4.15 4.06 2.23 0.98 3.99 2.14 0.41 0.45 1.76 1.83 1.78 1.63 1.63 1.16 1.08 3.36 1.45 0.76 3.25 3.30 1.36 0.34 0.33 1.2

  17. Slide 17: Commodities Exposure: September 2016

    Commodities Exposure: 30 September 2016 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 Maybank Group 1.68% Oil & Gas Malaysia Singapore Indonesia Oth

  18. Slide 18: Strong Capital Position: September 2016

    Strong Capital Position: 30 September 2016 Total capital ratio at 19.07% (assuming 85% dividend reinvestment rate) and CET1 at 13.73% After proposed dividend, Before proposed dividend Regulatory Requirements assuming 85% reinvestment rate Jan 2019 2016 2017 2018 Onwards Group 17.74% 19.25% 19.07% Mi

  19. Slide 19: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 4 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 32 3. Global Banking 37 4. Maybank Singapore 42 5. Maybank Indonesia 46 6. Other segments 51 7. Affiliates 56 Financial 18 Results: 3Q FY2016 and 9M F

  20. Slide 20: Maybank’s Performance Outlook

    Maybank’s Performance Outlook Remain focused on selective asset growth as multiplier effect 1 between loans growth and GDP reduces Managing NIM compression through optimal funding cost and 2 disciplined pricing for loans 3 Maintaining cost discipline to achieve FY2016 CIR of below 50% Continued down

  21. Slide 21: Maybank’s FY2016 Guidance

    Maybank’s FY2016 Guidance Initial FY2016 Annualised Updated FY2016 Key Performance Indicators Guidance 9M FY2016 Guidance Headline KPI Return on Equity (annualised) 11%-12% 9.2% 10.5%-11.0% Other Guidance Group Loans Growth (reported) 8%-9% 0.5% 2%-3% Group Loans Growth (normalised)1 - 0.8% • Malays

  22. Slide 22: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 4 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 32 3. Global Banking 37 4. Maybank Singapore 42 5. Maybank Indonesia 46 6. Other segments 51 7. Affiliates 56 Financial 21 Results: 3Q FY2016 and 9M F

  23. Slide 23: Net Fee Based Income: 9M FY2016 (YoY)

    Net Fee Based Income: 9M FY2016 (YoY) RM million 9M FY2016 9M FY2015 YoY Commission, service charges and fees 2,667 2,751  (3.1)% Investment & Trading Income 738 736  +0.3% Unrealised gain/ (losses) on securities & derivatives 850 (709)  >100% Foreign Exchange Profit 308 1,115  (72.4)% Other Inc

  24. Slide 24: Net Fee Based Income: 3Q FY2016 (QoQ)

    Net Fee Based Income: 3Q FY2016 (QoQ) RM million 3Q FY2016 2Q FY2016 QoQ Commission, service charges and fees 895 872  +2.7% Investment & Trading Income 254 249  +2.0% Unrealised gain/ (losses) on securities & derivatives 341 404  (15.6)% Foreign Exchange Profit 143 (161)  >(100)% Other Income 8

  25. Slide 25: Income Statement for Insurance and Takaful Business

    Income Statement for Insurance and Takaful Business 9M 9M 3Q 2Q 3Q RM million YoY QoQ YoY FY2016 FY2015 FY2016 FY2016 FY2015 Net interest income 733.2 666.5 10.0% 248.5 251.7 (1.3)% 212.5 16.9% Net earned premiums 3,251.6 3,046.0 6.8% 1,018.4 1,064.6 (4.3)% 1,008.5 1.0% Other operating income 688.8

  26. Slide 26: International & Malaysia Portfolio Mix 9M FY2016

    International & Malaysia Portfolio Mix 9M FY2016 Net Operating Income Profit Before Tax Gross loans 9M FY2016 (Jan 16 – Sep 16) Overseas: 7.7% Overseas: 4.1% Overseas: 38.6% 22.7% 8.4% 42.5% 8.9% 14.7% 8.3% 10.2% RM16.20b RM5.97b RM461.2b 16.2% 61.4% 25.3% 57.5% 77.3% Malaysia Singapore Indonesia Ot

  27. Slide 27: Group Asset Quality: September 2016

    Group Asset Quality: 30 September 2016 Group Impaired Loans Ratio Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) 2.34 2.11 2.22 1.86 1.65 1.52 1.50 1.56 1.54 1.64 1.72 1.52 1.13 1.15 1.14 1.38 1.04 1.06 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 * B

  28. Slide 28: Asset Quality by Line of Business: Malaysia

    Asset Quality by Line of Business: Malaysia Consumer Mortgage Auto Finance Credit Cards 0.9% 0.8% 0.8% 0.6% 0.6% 0.6% 0.5% 0.5% 0.5% Sep 2015 Dec 2015 Sep 2016 Sep 2015 Dec 2015 Sep 2016 Sep 2015 Dec 2015 Sep 2016 Business Retail SME Business Banking Corporate Banking 2.5% 2.1% 2.1% 10.6% 2.0% 10.0%

  29. Slide 29: Asset Quality by Line of Business: Singapore

    Asset Quality by Line of Business: Singapore Consumer Mortgage Auto Finance Credit Cards 2.7% 0.5% 2.5% 0.4% 0.4% 0.4% 0.4% 2.1% 0.3% Sep 2015 Dec 2015 Sep 2016 Sep 2015 Dec 2015 Sep 2016 Sep 2015 Dec 2015 Sep 2016 Business SME Business Banking Corporate Banking 2.3% 1.5% 1.2% 1.3% 1.2% 0.6% 0.4% 0.

  30. Slide 30: Asset Quality by Line of Business: Indonesia

    Asset Quality by Line of Business: Indonesia Consumer Mortgage Auto Finance Credit Cards 1.3% 1.1% 2.4% 2.5% 2.4% 0.6% 1.0% 0.5% 0.9% Sep 2015 Dec 2015 Sep 2016 Sep 2015 Dec 2015 Sep 2016 Sep 2015 Dec 2015 Sep 2016 Business SME Business Banking Corporate Banking 1.5% 1.7% 1.7% 1.4% 17.4% 1.6% 1.2% 1

  31. Slide 31: Key Operating Ratios

    Key Operating Ratios 9M 9M Variance 3Q 2Q Variance 3Q (%) FY2016 FY2015 YoY FY2016 FY2016 QoQ FY2015 Return on Equity 9.2 12.4 (3.2)% 11.4 7.5 3.9% 13.6 Net Interest Margin 2.26 2.31 (5) bps 2.22 2.23 (1) bps 2.38 Fee to Income Ratio 30.0 31.1 (1.1)% 31.7 29.3 2.4% 33.7 Loans-to-Deposit Ratio 90.9 9

  32. Slide 32: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 4 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 32 3. Global Banking 37 4. Maybank Singapore 42 5. Maybank Indonesia 46 6. Other segments 51 7. Affiliates 56 Financial 31 Results: 3Q FY2016 and 9M F

  33. Slide 33: Community Financial Services: Overview of Market Share for Malaysia

    Community Financial Services: Overview of Market Share for Malaysia ^ ^ ^ ^^ ^^ ^^ ^^ ^ Total bank deposits inclusive of investment asset (“IA”) ^^Market share as at Jun 2016 * Refers to housing, shophouse and other mortgages loans ** Credit cards market share refer to receivables for commercial ban

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

    Community Financial Services: Overview of Malaysia Loans Portfolio HNW and Affluent customer TFA grew 12.7% YoY Consumer loans grew 4.6% (ann.) to RM151.9 billion led by mortgage portfolio at 8.1%(ann.) +12.7% YoY +5.5% YoY 200 181.6 7.5 +4.6% YTD Ann. 180 169.6 7.45 200.0 161.1 180.0 160 7.4 146.9

  35. Slide 35: Community Financial Services: Overview of Malaysia Deposits Portfolio

    Community Financial Services: Overview of Malaysia Deposits Portfolio CFS deposits grew 2.8% (ann.) to RM210.5 billion Consumer deposits grew 6.7% (ann.) to RM134.7 billion +5.9% YoY +8.7% YoY +2.8% YTD Ann. +6.7% YTD Ann. 220 206.3 210.5 200.0 198.8 180.0 200 160.0 128.2 134.7 140.0 123.9 180 120.0

  36. Slide 36: Community Financial Services: Overview of CFS Malaysia Asset Quality

    Community Financial Services: Overview of CFS Malaysia Asset Quality CFS GIL increased to 2.0% due to a slight uptick in Consumer GIL is relatively stable at 0.5%, lower than the Business Banking (BB) GIL industry average of 1.1% 4,500.0 5.0% 900.0 2.0% 3,822.5 764.3 4,000.0 800.0 705.0 3,284.6 3,42

  37. Slide 37: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 4 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 32 3. Global Banking 37 4. Maybank Singapore 42 5. Maybank Indonesia 46 6. Other segments 51 7. Affiliates 56 Financial 36 Results: 3Q FY2016 and 9M F

  38. Slide 38: Global Banking: Overview of Malaysia Corporate Banking Portfolio

    Global Banking: Overview of Malaysia Corporate Banking Portfolio Total GB loans declined YTD (ann) to RM72.2 billion Trade Finance market share ¹ 25.5% 25.5% RM billion 25.3% 25.3% 38.0 -10.1% 25.0% YTD ann. Term Loan 41.1 43.0 Sep 15 Dec 15 Mar 16 Jun 16 Sep'16 Short Term 23.2 +17.7% ¹ Market share

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

    Global Banking: Overview of Group Global Markets Portfolio Global Market’s revenue grew by 37.6% YoY Group Securities Portfolio grew 11.3% YoY Revenue Profit before Tax +11.3% +37.6% +30.5% 112.2 111.8 124.4 126.2 124.9 2,021.6 2,781.8 1,641.5 2,141.6 11.4 12.5 12.0 11.6 10.3 50.1 49.8 51.8 RM milli

  40. Slide 40: Global Banking: Overview of Group Investment Banking Portfolio

    Global Banking: Overview of Group Investment Banking Portfolio 9M FY2016 Total Income Total Income for Maybank Kim Eng rose by 12.9% YoY Others Hong Kong (RM53.3mil, 5%) (RM41.2mil, 4%) +12.9% Philippines (RM54.0mil, 5%) 1,065.3 Indonesia Malaysia 943.6 (RM33.3mil, 3%) (RM358.0mil, 34%) RM’Million R

  41. Slide 41: Global Banking: Notable Deals for 9M FY2016

    Global Banking: Notable Deals for 9M FY2016 Malaysia Singapore Indonesia Malaysia Indonesia Malaysia Malaysia CORDLIFE GROUP PT DELTA DUNIA 1MALAYSIA PT SARANA MULTI MALAYSIA SUKUK SIME DARBY BERHAD INFRASTRUKTUR (PERSERO) EI SUKUK CO LTD LIMITED SANDANG TEKSTIL DEVELOPMENT BERHAD GLOBAL BERHAD RM 1

  42. Slide 42: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 4 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 32 3. Global Banking 37 4. Maybank Singapore 42 5. Maybank Indonesia 46 6. Other segments 51 7. Affiliates 56 Financial 41 Results: 3Q FY2016 and 9M F

  43. Slide 43: Maybank Singapore: P&L Summary

    Maybank Singapore: P&L Summary (SGD mil) 9M FY2016 9M FY2015 YoY Net Fund Based income 357.75 428.69 (16.5)% Net Fee Based income 235.41 187.36 25.6% Net income 593.16 616.04 (3.7)% Overhead expenses 267.93 265.48 0.9% Operating profit 325.23 350.57 (7.2)% Profit before taxation 175.99 298.51 (41.0)

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

    Maybank Singapore: Overview of Loans Portfolio Diversified Loan Portfolio -1.9% YoY  As at 30 September 2016, total loans expanded by +0.5% ann. Other 38.0 37.2 37.4 (Consumer) 0.5% YTD annualised to SGD 37.4 billion 3.3 3.4 3.4 Car Loan  Consumer loans shrank by 1.5% (ann.) to SGD 14.6 1.9 1.8 1.

  45. Slide 45: Maybank Singapore: Overview of Deposits Portfolio

    Maybank Singapore: Overview of Deposits Portfolio Consumer deposits account for 55% of deposits CASA growth improved 33.4% YTD (YoY: +18.6%) +18.7% YoY +11.1% ann. 39.8 43.6 47.3 Time Deposits Consumer - Time Deposits Demand Deposits 17.4 19.0 20.3 Consumer 30.0 34.3 35.7 Savings SGD billion SGD bil

  46. Slide 46: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 4 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 32 3. Global Banking 37 4. Maybank Singapore 42 5. Maybank Indonesia 46 6. Other segments 51 7. Affiliates 56 Financial 45 Results: 3Q FY2016 and 9M F

  47. Slide 47: Maybank Indonesia: P&L Summary

    Maybank Indonesia: P&L Summary (IDR billion) 9M FY2016 9M FY2015 YoY 3Q FY2016 2Q FY2016 QoQ Net Fund Based income 5,492 4,784 14.8% 1,907 1,859 2.6% Net Fee Based income 1,945 1,602 21.4% 468 790 (40.7)% Net income 7,437 6,386 16.4% 2,375 2,648 (10.3)% Overhead expenses (4,155) (4,108) 1.2% (1,214)

  48. Slide 48: Maybank Indonesia: Portfolio Overview

    Maybank Indonesia: Portfolio Overview Loans composition (Consolidated) Net Interest Margin (Consolidated) IDR Trillion 4.4% YoY 4.6% ann. 106.3 111.5 112.5 116.4 5.09% 4.76% 4.82% 4.84% 82.3 88.3 91.1 94.5 24.0 23.2 21.5 21.9 Dec-14 Sep-15 Dec-15 Sep-16 Dec-14 Sep-15 Dec-15 Sep-16 Global Banking Com

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

    Maybank Indonesia: Overview of Maybank Finance Operations Revenue and Profit Before Tax Financing IDR billion IDR billion  28.7%  11.5% 5,358 678 608 4,164 265 232 Sep-15 Sep-16 Sep-15 Sep-16 Revenue Profit Before Tax Asset Quality Unit Financing (unit)  (13.3)%  (13.5)% 38,828 39,287 33,652 33,

  50. Slide 50: Maybank Indonesia: Overview of WOM Finance Operations

    Maybank Indonesia: Overview of WOM Finance Operations Revenue and Profit Before Tax Financing IDR billion IDR billion  29.6%  11.7% 1,422 1,274 5,695 4,394  >100% 73 (22) Sep-15 Sep-16 Sep-15 Sep-16 Revenue Profit Before Tax Asset Quality Unit Financing (‘000 unit)  (26.2)% 439  (35.2)% 3.84% 3

  51. Slide 51: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 4 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 32 3. Global Banking 37 4. Maybank Singapore 42 5. Maybank Indonesia 46 6. Other segments 51 7. Affiliates 56 Financial 50 Results: 3Q FY2016 and 9M F

  52. Slide 52: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance Maybank Islamic: Total Gross Financing grew by 10% (ann.) to RM140.7 billion RM million 9MFY16 9MFY15 YoY 17% Dec-15 Sep-16 1% 36.2 10% Total Income 3,023.9 2,984.5 1.3% 32.1 32.5 30.8 31.1 30.3 1,079.0 1,230.9 -12.

  53. Slide 53: Islamic Banking: Market Share

    Islamic Banking: Market Share Maybank Islamic Market Share (Malaysia) Market Share by Product (Malaysia) 35.0% 33.4% 33.6% 33.5% 33.2% 33.8% 33.9% Key Products Sep-16 Sep-15 Automobile Financing 43.7% 42.0% 30.0% 31.3% 30.0% 30.3% 29.2% Home Financing 28.1% 27.2% 27.8% 25.0% 24.8% Term Financing 30.

  54. Slide 54: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Gross Premium Life / Family (New Business) Market Share No. 4 in Life/Family (New Business) General Insurance and Takaful Market Share No. 1 in General Insurance and Takaful * Market Share is for period Jul’15 – Jun’16 (Source: LIAM / ISM Statistics) Profi

  55. Slide 55: Maybank Philippines: Performance Overview

    Maybank Philippines: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 11.2% YoY, led by higher net interest +11.2% YoY income (NII) and fee income.  Increase in NII contributed by higher loan income, mainly 3,968.6 3,569.3 from term loans. Fee income growth mainly supporte

  56. Slide 56: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 4 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 32 3. Global Banking 37 4. Maybank Singapore 42 5. Maybank Indonesia 46 6. Other segments 51 7. Affiliates 56 Financial 55 Results: 3Q FY2016 and 9M F

  57. Slide 57: An Binh Bank: Performance Overview

    An Binh Bank: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 0.7% YoY, mainly due to higher net +0.7% YoY interest income (NII).  PBT decreased by 24.6% YoY, mainly due to higher 1,459.7 1,470.2 provisioning.  Gross loans expanded by 16.6% (annualised) due to higher Rev

  58. Slide 58: MCB Bank: Performance Overview

    MCB Bank: Performance Overview Key Highlights Revenue and PBT  Revenue and PBT dropped by 7.9% and 13.3% YoY -7.9% YoY respectively, due to lower non-interest income (NOII). 50.7  Lower NOII was mainly attributed to lower gain on sales of 46.6 -13.3% YoY securities. 34.7 PKR billion  Gross loans

  59. Slide 59: 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) — 9M FY2016 Earnings Presentation on 6ix