Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — Q1 FY2016 Earnings Presentation
61 slides from Malayan Banking Bhd's earnings presentation, May 27, 2016
Slide 1: Investor Presentation: Financial Results 1Q FY2016
Humanising Financial Services Investor Presentation Financial Results First Quarter FY2016 ended 31 March 2016 27 May 2016 www.maybank.com 0
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 23 Appendix : 1. Financial Performance 26 2. Community Financial Services 34 3. Global Banking 39 4. Maybank Singapore 44 5. Maybank Indonesia 48 6. Other Segments 53 7. Affiliates 58 Financial 1 Results: 1Q FY2016 ended 31
Slide 3: 1Q FY2016 Performance Update
1Q FY2016 Performance Update Net operating income growth of 8.1% YoY to RM 5.39 billion with net profit of RM 1.43 billion 1 • Higher net fund based income of 11.9% YoY as: o Group loans grew 5.6% led by retail franchise growth in our home markets Franchise-led growth o Improved net interest margin
Slide 4: 1Q FY2016 Key Performance Indicators Review
1Q FY2016 Key Performance Indicators Review Funding-led growth to drive selective lending in home markets for coming quarters QoQ Annualised YoY Key Performance FY2016 31 Mar 31 Dec Maybank Maybank Maybank Indicators Guidance 2016 2015 Achievement Achievement Achievement (billion)³ (billion)³ (1Q FY
Slide 5: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 23 Appendix : 1. Financial Performance 26 2. Community Financial Services 34 3. Global Banking 39 4. Maybank Singapore 44 5. Maybank Indonesia 48 6. Other Segments 53 7. Affiliates 58 Financial 4 Results: 1Q FY2016 ended 31
Slide 6: P&L Summary: 1Q FY2016
P&L Summary: 1Q FY2016 PPOP rose 10.9% YoY, on higher income growth of 8.1% and managed cost growth of 5.3% More details RM million 1Q FY2016 1Q FY2015 YoY 4Q FY2015 QoQ on s.7 Net fund based income * 3,823.1 3,415.4 11.9% 3,773.5 1.3% s.7 Net fee based income * 1,568.7 1,572.1 (0.2)% 1,841.2 (14.8)
Slide 7: Franchise-Led Growth: Net Operating Income and PPOP
Franchise-Led Growth PPOP growth of 10.9% supported by strong growth in Group Global Banking and Group Community Financial Services Net Operating Income 1Q FY2015 +8.1% Group Global Banking (GB) +21.1% 1Q FY2016 5,392 4,988 +12.4% +24.2% +18.1% -96.4% +8.4% 3,123 2,778 RM million 2,186
Slide 8: Franchise-Led Growth: Net Fund and Fee Based Income
Franchise-Led Growth Net fund based growth of 11.9% mainly driven by growth in Group Community Financial Services (CFS) Net Fund Based Income 1Q FY2015 +11.9% Group Global Banking (GB) +7.0% 1Q FY2016 3,823 3,416 +17.8% +5.5% +47.6% -866.7% +2.7% 2,411 2,047 RM million 1,180 1,244 48 7
Slide 9: Funding-Led Growth (YoY)
Funding-Led Growth (YoY) Group loans grew 5.6% YoY driven by CFS franchise growth in home markets and supported by strong funding growth Group Loans Malaysia Singapore Indonesia + 5.6% YoY + 3.1% YoY + 4.9% YoY + 3.5% YoY 419.0 442.4 245.9 253.6 SGD billion IDR trillion RM billion RM billion 110.7 1
Slide 10: Funding-Led Growth (QoQ)
Funding-Led Growth (QoQ) Deposit growth to lead selective loan growth in home markets for 2016 Group Loans Malaysia Singapore Indonesia - 3.8% QoQ - 0.2% QoQ - 1.1% QoQ - 1.3% QoQ - 1.5% QoQ (normalised) 459.8 442.4 256.5 253.6 SGD billion IDR trillion RM billion RM billion 114.8 114.6 37.2 36.7 Dec
Slide 11: Franchise-Led Growth: Net Interest Margin
Franchise-Led Growth Net interest margin improved 5bps QoQ to 2.34% Net Interest Margin 2.38 2.34 2.28 2.26 2.29 1Q '15 2Q '15 3Q '15 4Q '15 1Q '16 10
Slide 12: Strong Liquidity
Strong Liquidity Continued improvement in Group LDR, on the back of funding-led growth in Malaysia and Singapore Group LDR CASA Malaysia 93.0% 92.1% 93.4% 92.3%* 90.2%* 93.5% 95.4% 96.6% 92.7%* 89.9%* 41.2% 39.6% 41.1% 37.1% 36.9% 35.4% 34.9% 35.3% 33.7% 33.3% Mar 15 Jun 15 Sep 15 Dec 15 Mar 16 Mar
Slide 13: Strong Liquidity: Liquidity Coverage Ratio
Strong Liquidity Group LCR well above Bank Negara minimum 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 148 141 Stock of high quality
Slide 14: Strategic Cost Management
Strategic Cost Management Positive JAWS due to lower overheads growth of 5.3% YoY vs income growth of 8.1% YoY Group overheads composition (RM’ mil) 1Q FY2016 1Q FY2015 YoY 4Q FY2015 QoQ Personnel Costs 1,414.1 1,419.4 (0.4)% 1,586.7 (10.9)% Establishment Costs 475.9 378.3 25.8% 509.8 (6.7)% Marketi
Slide 15: Asset Quality
Asset Quality Higher Group GIL of 2.11% as at end March 2016 with loan loss coverage of 70.1% Allowance for losses on loans Group Impaired Loans Ratio Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) Loan loss coverage 2.11 1.86 Allowances for losses on loans 1.65 1.52 1.50 1.56 1.54 1.52
Slide 16: Asset Quality by Market
Asset Quality by Market GIL ratio uptick in Singapore due to identified accounts Malaysia Singapore Indonesia Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) 1.83 4.54 1.75 1.76 4.50 1.62 1.63 4.15 4.21* 1.28 1.45 1.36 0.41 0.41 0.45 3.49 0.30 1.23 1.25 1.18 1.08 3.55 0.33 0.34 0.33 3.36
Slide 17: Asset Quality: Malaysia
Asset Quality: Malaysia Stable asset quality for consumer and business portfolios, with slight uptick in Corporate Banking Consumer Mortgage Auto Finance Credit Cards 1.1% 1.4% 1.0% 0.9% 0.6% 0.6% 0.8% 0.8% 0.5% 0.5% 0.5% 0.5% Mar 2015 Dec 2015 Mar 2016 Industry Mar 2015 Dec 2015 Mar 2016 Industry M
Slide 18: Asset Quality: Singapore
Asset Quality: Singapore Stable consumer portfolio, but uptick in GIL ratios for business segments in line with weaker operating environment Consumer Mortgage Auto Finance Credit Cards 2.7 0.5 0.5 2.5 0.4 0.3 0.3 1.7 0.2 Mar 2015 Dec 2015 Mar 2016 Mar 2015 Dec 2015 Mar 2016 Mar 2015 Dec 2015 Mar 201
Slide 19: Asset Quality: Indonesia
Asset Quality: Indonesia Stable asset quality in consumer and business portfolios QoQ, with slight uptick in mortgage portfolio Consumer Mortgage Auto Finance Credit Cards 2.5% 0.9% 2.3% 2.3% 1.1% 0.7% 1.0% 1.0% 0.6% Mar 2015 Dec 2015 Mar 2016 Mar 2015 Dec 2015 Mar 2016 Mar 2015 Dec 2015 Mar 2016 Bu
Slide 20: Commodities Exposure (1/2)
Commodities Exposure (1/2) Total loan exposure for three home markets lower QoQ at 5.24% from 5.87% Agriculture Energy Metals & Mining Group 1.79% 2.59% 1.62% 1.49% 1.47% 2.15% Dec 2015 Mar 2016 Dec 2015 Mar 2016 Dec 2015 Mar 2016 Malaysia 1.52% 1.14% 1.13% 1.34% 1.96% 1.52% Dec 2015 Mar 2016 Dec 20
Slide 21: Commodities Exposure (2/2)
Commodities Exposure (2/2) Stable commodity loan exposure QoQ for Singapore and Indonesia Agriculture Energy Metals & Mining Singapore 0.22% 0.23% 0.09% 0.09% 0.03% 0.02% Dec 2015 Mar 2016 Dec 2015 Mar 2016 Dec 2015 Mar 2016 Indonesia 0.26% 0.26% 0.41% 0.40% 0.26% 0.25% Dec 2015 Mar 2016 Dec 2015 Ma
Slide 22: Strong Capital Position
Strong Capital Position Total capital ratio at 17.63% (assuming 85% dividend reinvestment rate) and CET1 at 12.74% After proposed After proposed After proposed Before dividend, dividend, based on dividend, proposed assuming 85% BNM’s assuming 85% dividend reinvestment Implementation reinvestment rat
Slide 23: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 23 Appendix : 1. Financial Performance 26 2. Community Financial Services 34 3. Global Banking 39 4. Maybank Singapore 44 5. Maybank Indonesia 48 6. Other Segments 53 7. Affiliates 58 Financial 22 Results: 1Q FY2016 ended 3
Slide 24: Market Outlook
Market Outlook 2016 outlook for our home markets Key Indicators Outlook • GDP (f) 4.3% (2015: 5.0%) • Moderation in overall industry loan growth • System loan (f) 6.5% • Competition for deposits to remain keen • OPR(f) 3.00%-3.25% (2015: 3.25%) • Credit cost uptick on growing NPLs • USD/MYR (f, end-
Slide 25: Maybank Performance Outlook
Maybank Performance Outlook Group performance in second quarter to be driven by selective asset growth 1 Remain focused on selective asset growth in line with capital position 2 Effective liquidity management 3 Improve productivity and manage discretionary spend 4 Downside risks include prolonged gl
Slide 26: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 23 Appendix : 1. Financial Performance 26 2. Community Financial Services 34 3. Global Banking 39 4. Maybank Singapore 44 5. Maybank Indonesia 48 6. Other Segments 53 7. Affiliates 58 Financial 25 Results: 1Q FY2016 ended 3
Slide 27: Net Fee Based Income: 1Q FY2016
Net Fee Based Income: 1Q FY2016 RM million 1Q FY2016 1Q FY2015 YoY Commission, service charges and fees 901 937 (3.9)% Investment & Trading Income 235 238 (1.2)% Unrealised gain/ (losses) on securities & derivatives 106 (113) 193.6% Foreign Exchange Profit 326 423 (22.8)% Other Income 99 76
Slide 28: Unaudited Income Statement for Insurance and Takaful Business
Unaudited Income Statement for Insurance and Takaful Business RM million 1Q FY2016 1Q FY2015 YoY 4Q FY2015 QoQ Net interest income 233.0 228.1 2.2% 228.8 1.8% Net earned insurance premiums 1,168.6 987.1 18.4% 1,150.7 1.6% Other operating income 247.6 189.0 31.0% 185.8 33.2% Total operating income 1,
Slide 29: International & Malaysia Portfolio Mix 1Q FY2016
International & Malaysia Portfolio Mix 1Q FY2016 Net Income Profit Before Tax Gross loans* 1Q FY2016 (Jan 16 – Mar 16) Overseas: Overseas: Overseas: 8.0% 15.2% 38.0% 33.1% 42.0% 9.3% 14.2% 7.7% 9.3% RM5.39b RM1.93b 8.6% RM442.4b 15.8% 62.0% 25.0% 58.0% 66.9% Malaysia Singapore Indonesia Others 1Q FY
Slide 30: Group Loans Growth: 31 Mar 2016
Group Loans Growth: 31 Mar 2016 % of 31 Mar 31 Dec YTD 31 Mar YoY Portfolio 2016 2015 Annualised 2015 Group Gross Loans ¹ - 442.4 459.8 (15.1)% 419.0 5.6% Malaysia (RM billion) ² 57% 253.6 256.5 (4.5)% 245.9 3.1% Community Financial Services ³ 73% 184.1 183.2 2.1% 171.8 7.1% Global Banking ³ 27% 69.
Slide 31: Malaysia Loans Growth: 31 Mar 2016
Malaysia Loans Growth: 31 Mar 2016 % of 31 Mar 31 Dec YTD 31 Mar RM billion YoY Portfolio 2016 2015 Annualised 2015 Community Financial Services (reported) 73% 184.1 182.7 3.1% 171.8 7.1% Community Financial Services (rebased) 73% 184.1 183.2 2.1% 171.8 7.1% Consumer 58% 147.4 146.9 1.3% 138.9 6.1%
Slide 32: Group Deposit Growth: 31 Mar 2016
Group Deposit Growth: 31 Mar 2016 % of 31 Mar 31 Dec YTD 31 Mar YoY Portfolio 2016 2015 Annualised 2015 Group Gross Deposits - 491.5 495.8 (3.5)% 447.1 9.9% Malaysia (RM billion) 60% 294.1 292.2 2.6% 278.6 5.6% Savings Deposits 14% 41.4 40.0 13.6% 39.7 4.3% Current Accounts 25% 74.3 74.2 0.8% 74.9 (
Slide 33: Key Operating Ratios
Key Operating Ratios Variance Variance (%) 1Q FY2016 1Q FY2015 4Q FY2015 YoY QoQ Return on Equity 9.3 12.8 (3.5)% (2.5)% 11.8 Net Interest Margin 2.34 2.26 8 bps 5 bps 2.29 Fee to Income Ratio 29.1 31.5 (2.4)% (3.7)% 32.8 Gross Loans-to-Deposit Ratio 89.9 93.5 (3.6)% (2.8)% 92.7 Cost to Income Ratio
Slide 34: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 23 Appendix : 1. Financial Performance 26 2. Community Financial Services 34 3. Global Banking 39 4. Maybank Singapore 44 5. Maybank Indonesia 48 6. Other Segments 53 7. Affiliates 58 Financial 33 Results: 1Q FY2016 ended 3
Slide 35: Community Financial Services: Overview of Market Share for Malaysia
Community Financial Services: Overview of Market Share for Malaysia Dec-15 Market Market Share Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 vs Position Mar-16 Loans Total Consumer (Household) 17.4% 17.4% 17.5% 17.5% 17.4% 0.0 2 Auto (Purchase of Transport Vehicles) 23.4% 23.6% 23.7% 23.7% 23.7% 0.0 2 Total Mo
Slide 36: Community Financial Services: Overview of Malaysia Loans Portfolio
Community Financial Services: Overview of Malaysia Loans Portfolio HNW and Affluent Customer TFA grew 13.2% YoY Consumer loans grew 1.3% (ann.) to RM147.4 billion led by mortgage growth of 8.8% +13.2% YoY +6.1% YoY +2.5% QoQ +1.3% YTD Ann. 160.0 169.6 173.8 146.9 147.4 153.5 150.0 150.0 8.70 138.9 1
Slide 37: Community Financial Services: Overview of Malaysia Deposits Portfolio
Community Financial Services: Overview of Malaysia Deposits Portfolio CFS Deposits grew 3.4% (ann.) to RM208.1 billion Consumer Deposits grew 10.2% (ann.), ahead of industry growth for the quarter +9.5% YoY +10.0% YoY +3.4% YTD Ann. 140.0 +10.2% YTD Ann. 220.0 206.3 208.1 131.3 200.0 190.0 128.2 180
Slide 38: Community Financial Services: Overview of CFS Malaysia Asset Quality
Community Financial Services: Overview of CFS Malaysia Asset Quality CFS GIL stable at 1.9% Stable consumer GIL at 0.5%; below industry average 4,500 4,000 749 3,422 3,415 708 3,500 3,334 670 1.30% 3,000 1.10% 2,500 500 0.90% 2,000 RM million RM million 1.9% 1.9% 0.70% 1,500 1.9% 0.50% 1,000 0.5% 0.
Slide 39: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 23 Appendix : 1. Financial Performance 26 2. Community Financial Services 34 3. Global Banking 39 4. Maybank Singapore 44 5. Maybank Indonesia 48 6. Other Segments 53 7. Affiliates 58 Financial 38 Results: 1Q FY2016 ended 3
Slide 40: Global Banking: Overview of Malaysia Corporate Banking Portfolio
Global Banking: Overview of Malaysia Corporate Banking Portfolio Total GB loans declined QoQ and YoY to RM69.4 billion Trade Finance market share ¹ RM billion 25.5% 29.2 -41.0% 25.3% 25.2% YTD ann. 25.0% Term Loan 24.9% 32.5 24.6% 34.7 38.4 -10.7% Mar 15 Jun 15 Sep 15 Dec 15 Feb 16 Mar 16 YTD ann. T
Slide 41: Global Banking: Overview of Group Global Markets Portfolio
Global Banking: Overview of Group Global Markets Portfolio Global Markets’ revenue grew by 38.8% YoY Group Securities Portfolio grew 19.8% YoY Revenue Profit before Tax +19.8% +38.8% +43.1% 124.4 103.8 108.8 112.2 111.8 11.4 954.7 821.2 14.6 11.6 10.3 10.3 50.1 687.8 261.3 574.0 48.9 47.6 RM billion
Slide 42: Global Banking: Overview of Group Investment Banking Portfolio
Global Banking: Overview of Group Investment Banking Portfolio 1Q FY2016 Total Income Total Income for Maybank Kim Eng rose by 18.1% YoY Others +18.1% Hong Kong 3% 5% 375.9 Phillipines 8% 318.3 Indonesia 2% RM’Million Malaysia 42% Thailand RM375.9mil 20% Singapore 20% 1Q FY2015 1Q FY2016 YTD Mar 201
Slide 43: Global Banking: Notable Deals for 1Q FY2016
Global Banking: Notable Deals for 1Q FY2016 Malaysia Malaysia Malaysia Shanghai, China Shanghai, China Malaysia KUMPULAN PERANGSANG 1MALAYSIA DEVELOPMENT BERHAD HANGZHOU CIEC GROUP PAVILLION REIT BOND CAPITAL EKVE SDN BHD HAITONG UNITRUST LEASING CO. LTD BERHAD SELANGOR BERHAD RM78.1 million RM1 bil
Slide 44: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 23 Appendix : 1. Financial Performance 26 2. Community Financial Services 34 3. Global Banking 39 4. Maybank Singapore 44 5. Maybank Indonesia 48 6. Other Segments 53 7. Affiliates 58 Financial 43 Results: 1Q FY2016 ended 3
Slide 45: Maybank Singapore: P&L Summary
Maybank Singapore: P&L Summary (SGD mil) 1Q FY2016 1Q FY2015 YoY Net Fund Based income 140.54 132.00 6.5% Net Fee Based income 64.27 60.61 6.0% Net income 204.81 192.62 6.3% Overhead expenses (89.72) (87.72) 2.3% Operating profit 115.09 104.90 9.7% Profit before taxation 60.34 90.75 -33.5 • Lower PB
Slide 46: Maybank Singapore: Overview of Loans Portfolio
Maybank Singapore: Overview of Loans Portfolio Diversified Loan Portfolio +4.9% YoY -5.3% Ann Other As at 31 March 2016, total loans contracted by 5.3% YTD (Consumer) annualised to SGD 36.7 billion 34.9 37.2 36.7 Car Loan 2.8 Consumer loans declined QoQ by SGD 0.2 billion to SGD 3.4 3.4 2.0 1.8
Slide 47: Maybank Singapore: Overview of Deposits Portfolio
Maybank Singapore: Overview of Deposits Portfolio Consumer deposits account for 56% of our Time deposits expanded by 18.3% YTD deposits annualised while CASA rose 3.0% +16.7% YoY +19.4% Ann 39.2 43.6 45.8 Consumer - Time Deposits Time Deposits 19.0 Consumer SGD billion 17.9 20.9 29.6 34.3 SGD billio
Slide 48: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 23 Appendix : 1. Financial Performance 26 2. Community Financial Services 34 3. Global Banking 39 4. Maybank Singapore 44 5. Maybank Indonesia 48 6. Other Segments 53 7. Affiliates 58 Financial 47 Results: 1Q FY2016 ended 3
Slide 49: Maybank Indonesia: P&L Summary
Maybank Indonesia: P&L Summary (IDR billion) 1Q FY2016 1Q FY2015 YoY 4Q FY2015 QoQ Net Fund Based income 1,726 1,586 8.8% 1,704 1.3% Net Fee Based income 687 621 10.7% 1,124 (38.9)% Net income 2,413 2,207 9.3% 2,828 (14.7)% Overhead expenses (1,442) (1,453) (0.7)% (1,251) 15.3% Personnel (590) (630)
Slide 50: Maybank Indonesia: Portfolio Overview
Maybank Indonesia: Portfolio Overview Loans composition (Consolidated) Net Interest Margin (Consolidated) IDR Trillion +4.8% YoY +1.2% YTD Ann. 106.3 107.6 112.5 112.9 82.3 83.8 91.1 91.3 4.76% 4.85% 4.84% 4.83% 24.0 23.9 21.5 21.5 Dec-14 Mar-15 Dec-15 Mar-16 Dec-14 Mar-15 Dec-15 Mar-16 Global Ban
Slide 51: Maybank Indonesia: Overview of Maybank Finance Operations
Maybank Indonesia: Overview of Maybank Finance Operations Revenue and Profit Before Tax Consumer Financing IDR Trillion IDR billion -3.9% +6.3% 220 3,794 4,032 211 103 67 1Q FY2015 1Q FY2016 Mar 2015 Mar 2016 Revenue Profit Before Tax Asset Quality Unit Financing (unit) -8.9% -8.4% 0.45% 11,9
Slide 52: Maybank Indonesia: Overview of WOM Finance Operations
Maybank Indonesia: Overview of WOM Finance Operations Revenue and Profit Before Tax Consumer Financing IDR Trillion IDR billion +9.9% -9.9% 458 4,443 417 4,004 >+100% 26 1 1Q FY2015 1Q FY2016 Mar 2015 Mar 2016 Revenue Profit Before Tax Asset Quality Unit Financing (‘000 unit) -23.2% 3.34% 2.
Slide 53: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 23 Appendix : 1. Financial Performance 26 2. Community Financial Services 34 3. Global Banking 39 4. Maybank Singapore 44 5. Maybank Indonesia 48 6. Other Segments 53 7. Affiliates 58 Financial 52 Results: 1Q FY2016 ended 3
Slide 54: Islamic Banking: Performance Overview
Islamic Banking: Performance Overview Group Islamic Banking Financial Performance Maybank Islamic: Total Gross Financing grew by 3% (ann.) to RM132.2 billion RM million 1Q FY2016 1Q FY2015 YoY +19% Dec 15 -5% +9% Profit Before Tax 467.3 353.4 32.2% Mar 16 33.6 32.1 30.8 30.4 30.3 31.0 Gross Finan
Slide 55: Islamic Banking: Market Share
Islamic Banking: Market Share Maybank Islamic Market Share (Malaysia) Market Share by Product (Malaysia) 35.0% 33.0% 33.4% 33.6% 33.5% 33.2% Key Products Mar 2016 Mar 2015 30.0% 30.1% Automobile Financing 42.2% 40.7% 29.3% 25.0% 27.6% Home Financing 27.9% 26.1% 24.4% 24.8% 20.0% Term Financing 30.1%
Slide 56: Insurance and Takaful: Performance Overview
Insurance and Takaful: Performance Overview Gross Premium Life / Family (New Business) Market Share Single Premium -23.4% 1Q FY2016 AIA Ins. & Tak. 19.9% Regular Premium 33.7% 1Q FY2015 Prudential Ins. & Tak. 15.4% No. 4 in Life/Family Credit Premium -8.0% 14.1% (New Business) GE Ins. & Tak. Gro
Slide 57: Maybank Philippines: Performance Overview
Maybank Philippines: Performance Overview Key Highlights Revenue and PBT Revenue increased by 15.3% YoY, led by higher net interest +15.3% YoY income (NII) and fee income. 1,299.9 Increase in NII contributed by higher loan income and 1,127.4 placement income. Fee income growth mainly supported b
Slide 58: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 23 Appendix : 1. Financial Performance 26 2. Community Financial Services 34 3. Global Banking 39 4. Maybank Singapore 44 5. Maybank Indonesia 48 6. Other Segments 53 7. Affiliates 58 Financial 57 Results: 1Q FY2016 ended 3
Slide 59: An Binh Bank: Performance Overview
An Binh Bank: Performance Overview Key Highlights Revenue and PBT Revenue decreased by 5.8% YoY or VND28.4 billion, due to -5.8% YoY decline in non-interest income. PBT was also lower by 43.6% YoY or VND37.7 billion, caused 493.2 464.8 by lower income and an increase in provisioning. Overheads h
Slide 60: MCB Bank: Performance Overview
MCB Bank: Performance Overview Key Highlights Revenue and PBT -13.5% YoY Revenue and PBT dropped by 13.5% and 21.8% YoY respectively, mainly due to decline in net interest income 17.0 (NII) and non-interest income (NOII). -21.8% YoY 14.7 NII was lower by 3.5% YoY or PKR418.9 million mainly due t
Slide 61: Malayan Banking Berhad Contact and Investor Relations
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’ Mohamed Rafique Merican Group Chief Financial Officer Contact: (6)03-2074 7878 Email: rafique@mayba
Malayan Banking Berhad (Maybank) — Q1 FY2016 Earnings Presentation on 6ix