Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — Q1 FY2026 Earnings Presentation

44 slides from Malayan Banking Bhd's earnings presentation, May 28, 2026

  1. Slide 1: Investor Presentation: Financial Results First Quarter FY2026

    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: President & Group CEO Presentation

    President & Group CEO Presentation Executive Summary 2-8 1

  3. Slide 3: 1Q FY2026: Resilient Earning Underpinned by Higher NIM and Disciplined Cost

    1Q FY2026: Resilient Earning Underpinned by Higher NIM and Disciplined Cost; with Sound Capital and Liquidity 1 2 3 Resilient earnings, with net NIM improved to 2.14%, Cost well contained, with profit of RM2.48 billion and driven by better funding mix operating expenses down ROE at 11.2%, supported

  4. Slide 4: 1Q FY2026: Financial Performance Summary

    1Q FY2026: Financial Performance Summary Net Return on Profitability Profit Equity (ROE) RM2.48 bil 11.2% Net profit of RM2.48 billion with ROE at 11.2% reflecting  (4.2)% YoY  (0.1) p.p. YoY resilient earnings despite lower markets-related income  (7.3)% QoQ  (0.7) p.p. QoQ Net Operating Net In

  5. Slide 5: 1Q FY2026: Financial Performance Summary

    1Q FY2026: Financial Performance Summary Group CASA Liquidity Coverage Liquidity Ratio Ratio (LCR) 1 CASA grew across home markets (MY: 6.3%; SG: 1.3%; ID: 34.3%) with CASA ratio 41.1% ▪ 133.3% improving to 41.1%  4.5 p.p. YoY  (2.4) p.p. YoY ▪ Healthy liquidity with LCR at 133.3% and NSFR of 113.

  6. Slide 6: Driving Measurable Impact Through Sustainable Finance

    Driving Measurable Impact Through Sustainable Finance Delivering Measurable Social Advancing the Sustainability Agenda Impact Sustainable Finance RM 11.12 bil 2026 Target: RM49 bil 2030 Target: RM300 bil (cumulative) Announced a refreshed Honoured with four Launched a strategic EV target to mobilise

  7. Slide 7: ROAR30: Encouraging Momentum Driven by Broad-based Growth

    ROAR30: Encouraging Momentum Driven by Broad-based Growth Across Key Businesses, Scaling Towards Regional and Global Leadership Key Achievements Takaful Net Written Global Islamic Finance institution Islamic CIB Income – MY Contribution Accelerating momentum in Islamic wealth and Halal ecosystem, 

  8. Slide 8: Balanced Economic Outlook with Stable Loan Growth Across Key Home Markets

    Balanced Economic Outlook with Stable Loan Growth Across Key Home Markets Malaysia Singapore Indonesia 2026 Forecast Previous Current Change 2026 Forecast Previous Current Change Forecast Previous Current Change (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) GDP 5.1% 4.4%  GDP 3.6% 4.2%  GDP 5.2%

  9. Slide 9: Resilient Performance Amid Heightened Geopolitical Uncertainties; Cautious Full-Year Outlook

    Resilient Performance Amid Heightened Geopolitical Uncertainties; with Increased Caution on Full-Year Outlook 1Q FY2026 FY2026 Indicators Actual Guidance Return on Equity 11.2% ≥11.8% Cost to Income Ratio 49.9% ≤49% Net Credit Charge Off (NCC) Rate 10 bps ~ 20 bps Group Loans Growth (YoY) 1 0.9% 4%

  10. Slide 10: Group CFO Presentation

    Group CFO Presentation 1Q FY2026 Financial Performance 10 - 16 9

  11. Slide 11: Net Fund Based Income Supported by NIM Expansion

    Net Fund Based Income Supported by NIM Expansion Amid Mixed Loans Growth Across Home Markets Net Fund Based Income Net Interest Margin (NIM) QTD  3.2%  (4.2)% (Ann.) 1Q’26 vs 1Q’25 1Q’26 vs 4Q’25 Trend 2.09% 2.14% 2.04% 2.00% 2.02% 1Q'25 2Q'25 3Q'25 4Q'25 1Q'26 5-Year Trend (YTD) RM billion 4.95 5

  12. Slide 12: Core NoII Resilient, Supported by Strong Wealth Fees

    Core NoII Resilient, Supported by Strong Wealth Fees, IB Related Fees and Higher Global Markets Sales Non-Interest Income (NoII) 1Q FY2026 YoY Performance  (28.0)%  (9.0)% 1Q’26 vs 1Q’25 1Q’26 vs 4Q’25 ▪ Core fees grew 11.9% YoY, supported by higher wealth fees and IB related fees 2.76 2.18 1.99 ▪

  13. Slide 13: Insurance & Takaful Earnings Supported by Investment Income

    Insurance & Takaful Earnings Supported by Investment Income, Despite Lower Underwriting Contributions Group Insurance & Takaful Key Drivers • PBT increased marginally YoY on improved investment income. PBT 1 This was driven by higher gains from equity portfolio disposal  1.9% • Underwriting income

  14. Slide 14: Prudent Cost Management Delivered Lower Cost by 5.3% YoY

    Prudent Cost Management Delivered Lower Cost by 5.3% YoY and 3.1% QoQ CIR and Costs 48.5% 48.7% 49.9%  (5.3)%  (3.1)% 1Q’26 vs 1Q’25 1Q’26 vs 4Q’25 3.74 3.66 3.55 0.77 0.70 0.69 0.17 0.17 0.14 0.60 0.68 0.65 RM billion 2.20 2.11 2.06 1Q FY2025 4Q FY2025 1Q FY2026 Personnel Costs Establishment Cost

  15. Slide 15: Sustainable YoY CASA Growth Across Home Markets

    Sustainable YoY CASA Growth Across Home Markets with Higher Group CASA Ratio at 41.1% Deposits YTD Ann. Growth Liquidity Indicators Group Malaysia (MY) Singapore (SG) Indonesia (IDN)  (6.3)%  (3.3)%  (6.9)%  7.8% 135.7% 138.2% 731.0 719.5 133.3% Others 95.5 94.0  (6.3)% 481.0 476.9 115.9% 116.6

  16. Slide 16: Asset Quality Remains Manageable with Prudent Overlays Maintained

    Asset Quality Remains Manageable with Prudent Overlays Maintained Loan ECL, NCC and LLC Gross Impaired Loans (GIL) Group GIL Volume and Ratio Country GIL Volume and Ratio P&L ECL  >100%  26.2% 4.09% (RM billion) 1Q’26 vs 4Q’25 3.78% 3.85% 1Q’26 vs 1Q’25 1.34% 1.27% 1.28% 1.15% 1.25% 1.33% 0.38 0.4

  17. Slide 17: Capital Remains Sound As RWA Optimisation Efforts Continue

    Capital Remains Sound As RWA Optimisation Efforts Continue Capital Ratios Mar’26 Mar’26 Group Bank vs vs Growth (%) Mar’25 Dec’25 (YoY) (QoQ) 17.96% 19.05% 18.47% 16.97% 17.97% 17.13% 15.50% Group Loans 0.9% (0.3)% 15.24% 15.33% 14.21% 14.16% 14.01% 14.88% 15.13% 14.96% 14.00% 13.93% 13.79% Total Gr

  18. Slide 18: Table of Contents

    Table of Contents Executive Summary 2-8 1Q FY2026 Financial Performance 10 - 16 Appendix: 1. Group Performance 18 - 32 2. Business/Country Performance 34 - 42 17

  19. Slide 19: P&L Summary: 1Q FY2026

    P&L Summary: 1Q FY2026 1Q 1Q 4Q RM million YoY QoQ FY2026 FY2025 FY2025 Net fund based income * 5,111.9 4,952.5  3.2% 5,334.9  (4.2)% Non-interest income * 1,987.6 2,759.6  (28.0)% 2,184.2  (9.0)% Net operating income 7,099.5 7,712.2  (7.9)% 7,519.2  (5.6)% Overhead expenses (3,545.5) (3,742.9

  20. Slide 20: International & Malaysia Portfolio Mix 1Q FY2026

    International & Malaysia Portfolio Mix 1Q FY2026 Net Operating Income Profit Before Tax Group Loans* 2.7% 1Q FY2026 5.0% 5.1% 1.3% (Jan 26 – Mar 26) 7.5% 4.5% 21.5% Overseas: RM7.10 RM3.29 Overseas: 25.1% RM684.5 21.5% Overseas: 34.1% billion 25.5% billion 34.6% billion 65.9% 65.4% 74.5% Malaysia Si

  21. Slide 21: Segmental Business Portfolio Mix 1Q FY2026

    Segmental Business Portfolio Mix 1Q FY2026 Net Operating Income Profit Before Tax Group Loans* 1Q FY2026 4.2% 7.6% (Jan 26 – Mar 26) 34.6% 36.6% RM7.10 RM3.29 RM684.5 billion 40.4% billion 52.0% billion 59.2% 65.4% Group Community Financial Services Group Global Banking Group Insurance & Takaful 1Q

  22. Slide 22: Group Loans Growth: 31 March 2026

    Group Loans Growth: 31 March 2026 % of 31 Mar 2026 31 Dec 2025 QoQ YTD Annualised 31 Mar 2025 YoY Portfolio Group Loans 684.5 686.5  (0.3)%  (1.2)% 678.7  0.9% Malaysia (RM billion) 66% 448.5 444.4  0.9%  3.7% 425.2  5.5% Community Financial Services (rebased) 71% 320.2 317.3  0.9%  3.6% 303

  23. Slide 23: Malaysia Loans Growth: 31 March 2026

    Malaysia Loans Growth: 31 March 2026 % of RM billion 31 Mar 2026 31 Dec 2025 QoQ YTD Annualised 31 Mar 2025 YoY Portfolio Community Financial Services (rebased) 71% 320.2 317.3  0.9%  3.6% 303.0  5.7% Consumer 62% 278.8 276.1  1.0%  4.0% 262.3  6.3% Total Mortgage 37% 169.8 167.3  1.5%  6.0%

  24. Slide 24: Singapore Loans Growth: 31 March 2026

    Singapore Loans Growth: 31 March 2026 % of SGD billion 31 Mar 2026 31 Dec 2025 QoQ YTD Annualised 31 Mar 2025 YoY portfolio Community Financial Services 58% 31.3 31.0  1.1%  4.2% 28.3  10.6% Consumer 44% 23.7 23.6  0.2%  1.0% 22.1  7.5% Mortgage 28% 15.1 15.2  (1.2)%  (4.7)% 14.4  4.7% Auto

  25. Slide 25: Indonesia Loans Growth: 31 March 2026

    Indonesia Loans Growth: 31 March 2026 % of IDR trillion 31 Mar 2026 31 Dec 2025 QoQ YTD Annualised 31 Mar 2025 YoY portfolio Community Financial Services 71% 88.8 87.6  1.3%  5.3% 84.3  5.3% Consumer 38% 48.0 47.9  0.1%  0.6% 46.1  4.1% Mortgage 13% 16.8 17.0  (1.2)%  (4.8)% 17.0  (1.2)% Au

  26. Slide 26: Group Deposits Growth: 31 March 2026

    Group Deposits Growth: 31 March 2026 % of 31 Mar 2026 31 Dec 2025 QoQ YTD Annualised 31 Mar 2025 YoY Portfolio Group Deposits 719.5 731.0  (1.6)%  (6.3)% 744.9  (3.4)% Total CASA 295.6 296.0  (0.1)%  (0.5)% 272.6  8.4% Total Fixed Deposits 329.8 339.5  (2.8)%  (11.4)% 377.3  (12.6)% Malaysi

  27. Slide 27: LDR and CASA Ratio

    LDR and CASA Ratio Malaysia Group LCR * NSFR LDR CASA 135.7% 138.1% 141.2% 138.2% 133.3% 115.9% 117.3% 117.9% 116.6% 113.3% 93.5% 93.0% 94.6% 92.4% 92.7% 92.1% 93.8% 94.9% 90.9% 90.2% 39.9% 41.1% 42.2% 41.9% 43.2% 43.1% 43.9% 36.6% 37.8% 40.5% Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Mar 2025 Ju

  28. Slide 28: RWA Optimisation and Funding Management

    RWA Optimisation and Funding Management Group Loans & Group RWA Funding Breakdown Market RWA Operational RWA Credit RWA Gross Loans Borrowings and Capital 678.7 686.5 684.5 Instruments by Currency FI Deposits, 5% 454.4* 436.1* 436.4* Equity, 10% 21.5 USD, 26% 19.8 20.8 50.8 Repo, 3% 51.8 52.2 Borrow

  29. Slide 29: Asset Quality

    Asset Quality Allowances for losses on loans GIL Ratio Composition P&L ECL Mar Jun Sep Dec Mar 1Q FY2025 2Q FY2025 3Q FY2025 4Q FY2025 1Q FY2026 (RM million) 2025 2025 2025 2025 2026 Stage 1, net (130) (89) 26 199 (155) Non Performing Loans 0.97% 0.95% 0.90% 0.87% 0.95% (NPL) Stage 2, net 132 219 23

  30. Slide 30: 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% 1.06% 4.08% 0.97% 1.64% 3.97% 3.98% 4.04% 0.91% 0.89% 1.65% 3.84% 1.51% 1.55% 1.46% 0.86% 1.43% 1.30% 1.39% 1.38% 1.44% 0.59% 0.59% 0.59% 0.62% 0.76% 0.77% 0.82% 0.57% 0.74% 0.53% 0.53% 0.5

  31. Slide 31: Specific Asset Exposures as of 31 March 2026

    Specific Asset Exposures as of 31 March 2026 Oil & Gas Loan and Fixed Income Securities Exposures Real Estate Loan Exposure to Non-Retail Borrowers to Non-Retail Malaysian Borrowers Country Exposure Borrowers’ Status 21.6% High Rise Residential RM41.9 billion 12.2% Landed Residential Malaysia 1.40%

  32. Slide 32: Income Statement for Insurance and Takaful Business

    Income Statement for Insurance and Takaful Business 1Q 1Q 4Q RM million YoY QoQ FY2026 FY2025 FY2025 Net interest income 399.9 417.9  (4.3)% 424.9  (5.9)% Insurance/takaful service result 245.0 354.3  (30.9)% 451.8  (45.8)% Other operating expenses (497.5) (300.4)  65.6% (91.7)  >100% Total op

  33. Slide 33: Key Operating Ratios

    Key Operating Ratios % 1Q 1Q 4Q YoY QoQ FY2026 FY2025 FY2025 Return on Equity 1 11.2 11.3  (0.1) 11.9  (0.7) 1 Net Interest Margin 2.14 2.04  0.10 2.09  0.05 Fee to Income Ratio 28.0 35.8  (7.8) 29.0  (1.0) 2 Loans-to-Deposit Ratio 94.9 90.9  4.0 93.8  1.1 Cost to Income Ratio 49.9 48.5  1.

  34. Slide 34: Table of Contents

    Table of Contents Executive Summary 2-8 1Q FY2026 Financial Performance 10 - 16 Appendix: 1. Group Performance 18 - 32 2. Business/Country Performance 34 - 42 33

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

    Market Share Overview for Community Financial Services Malaysia Market share Mar 25 Jun 25 Sep 25 Dec 25 Mar 26 Loans Total consumer 19.4% 19.5% 19.6% 19.6% 19.8% Auto (Retail Hire Purchase) 29.3% 29.0% 28.9% 28.6% 28.3% Total mortgage * 16.3% 16.5% 16.6% 16.7% 16.7% Credit cards ** 21.5% 21.4% 21.5

  36. Slide 36: Sustained Digital Banking Leadership with Strong Digital Transaction Growth

    Sustained Digital Banking Leadership with Strong Digital Transaction Growth Data as at Mar 2026 From Malaysia’s digital transaction volume Group (i.e.: MY, SG, ID, PH, KH) In Malaysia: SME Digital Financing Mobile & Internet Mobile Internet 3-month Active Users RM4.74 bil approved loans since its la

  37. Slide 37: Overview: Group Wealth Management & Group Securities Portfolios

    Overview: Group Wealth Management & Group Securities Portfolios Group Wealth Management Group Securities Portfolio Total Financial Assets grew 3.7% YoY to RM559.04 billion on investments and loans growth Group Securities Portfolio¹ decreased 5.2% YoY and 0.6% QoQ  3.7% YoY 269.1  0.5% QoQ 259.9 25

  38. Slide 38: Overview of Group Investment Banking Portfolio

    Overview of Group Investment Banking 1 Portfolio 1Q FY2026 Total Income Breakdown by Country 1Q FY2026 Non-Interest Income for Malaysia Indonesia Hong Kong Philippines Others 5.3% 2.3% 0.3% 15.7% Others Arranger and upfront fees Vietnam Underwriting commission 0.2% 8.9% 5.8% 1.6% Malaysia Thailand 4

  39. Slide 39: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance1 Maybank Islamic: Total Financing2 grew 8.6% YoY to RM326.3 billion Mar 25 1Q 1Q 11.3% RM million YoY Mar 26 FY2025 FY2026 Net Operating Income 2,132.2 2,341.4 9.8% 5.9% Profit Before Tax and Zakat 1,137.3 1,128.6 (0.8

  40. Slide 40: Islamic Banking: Market Share

    Islamic Banking: Market Share Maybank Islamic Market Share1 Market Share by Key Products (Malaysia)1 30.8% 30.9% 31.0% 31.1% 30.9% 42.2% 28.6% 30.0% Automobile Home Term Financing Financing Financing 27.9% 27.9% Mar 26 Mar 26 Mar 26 27.6% 27.6% 27.0% Mar 25: 43.8% Mar 25: 27.7% Mar 25: 30.5% Mar 25

  41. Slide 41: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Net Adjusted Premium/Contribution Life & Family (New Business) Market Share (Malaysia) Single Premium  3.6% 18.5% 19.2% 15.7% 21.3% Regular Premium  27.4% Credit Premium  (20.5)% 17.6% 18.5% 19.6% 11.9% 14.8% No. 4 11.1% 11.6% 12.6% in Life/Family Group

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

    Maybank Singapore: P&L Summary 1Q 1Q 4Q SGD million YoY QoQ FY2026 FY2025 FY2025 Net fund based income 246.17 193.07  27.5% 191.42  28.6% Non-interest income 134.12 143.51  (6.5)% 147.64  (9.2)% Net income 380.29 336.58  13.0% 339.06  12.2% Overhead expenses (161.31) (163.71)  (1.5)% (179.17)

  43. Slide 43: Maybank Indonesia: P&L Summary and Financial Ratios

    Maybank Indonesia: P&L Summary and Financial Ratios 1Q 1Q 4Q Key Operating IDR billion YoY QoQ Mar 25 Dec 25 Mar 26 YoY FY2026 FY2025 FY2025 Ratios Net Fund Based income 1,815 1,778  2.1% 1,848  (1.8)% Profitability & Efficiency Non-Interest income 402 571  (29.6)% 748  (46.2)% ROA 1.07% 1.16% 0

  44. Slide 44: Htunantsin

    Htunantsin Financial Services Maybank @Mymaybank Cf) @Maybank x) @Mymaybank in) @Maybank

Malayan Banking Berhad (Maybank) — Q1 FY2026 Earnings Presentation on 6ix