Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — FY2025 Earnings Presentation

47 slides from Malayan Banking Bhd's earnings presentation, Feb 26, 2026

  1. Slide 1: Investor Presentation: Financial Results FY2025

    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: Group CFO Presentation

    Group CFO Presentation Executive Summary 2-8 FY2025 Financial Performance 9 - 15 1

  3. Slide 3: Delivered Stronger FY2025 Performance with Improved Returns, Cost Discipline and Capital Strength

    Delivered Stronger FY2025 Performance with Improved Returns, Cost Discipline and Capital Strength 1 ROE improved to 11.7% with well defended NIM FY2025 at 2.05%, QoQ improving 7bps to 2.09% despite market headwinds; low single digit cost increase, keeping CIR stable at 48.8% 2 Remained highly liquid

  4. Slide 4: FY2025: Net Profit Grew 4.2% YoY to RM10.51 billion with ROE at 11.7%

    FY2025: Net Profit Grew 4.2% YoY to RM10.51 billion with ROE Increased to 11.7% from 11.1% in FY2024; NIM Improved 7bps QoQ to 2.09% FY2025 vs FY2024 4Q FY2025 vs 4Q FY2024 FY2025 YoY Performance Highlights Net Operating Net Interest Net Operating Net Interest Income Income Margin Income Margin  Ne

  5. Slide 5: FY2025: CASA Ratio Improved to 40.5%, Strong Liquidity and Capital

    FY2025: CASA Ratio Improved to 40.5%, Supported by Strong Liquidity and Capital Positions; Provision Coverage Remained >100% As at 31 Dec 2025 Performance Highlights Group CASA Loan Loss Coverage Group Total Asset Quality Ratio Ratio (LLC) Capital Ratio As at 31 December 2025, LLC reduced to 106.7%

  6. Slide 6: Delivered Beyond All Four Sustainability Commitments Targets

    Delivered Beyond All Four Sustainability Commitments Targets Surpassed Our 2025 Targets Sustainable Finance Carbon Emissions Position Improving Lives Across ASEAN Living Sustainability RM176.12 bil* 57.8% reduction* 2.92 mil households* 2,007,400 hours as at 31 Dec 2025 2025 Target: RM80 bil 2025 Ta

  7. Slide 7: M25+ Investment of RM1.24 Billion with 82% Spent in Tech-for-Business

    M25+ Investment of RM1.24 Billion with 82% Spent in Tech-for- Business FY2025 Achievements (YoY) SP5 Wealth management (WM) Total Wealth IWM Investment 1 Strengthened customer engagement and sales productivity through innovative cross-border offerings. SP7 Fees  27.9% AUM  26.7% SP13 RM1.50 bil RM

  8. Slide 8: Stable Economic and Loans Growth Expected Across Home Markets

    Stable Economic and Loans Growth Expected Across Home Markets Malaysia Singapore Indonesia 2025 2026 (f) YoY trend 2025 2026 (f) YoY trend 2025 2026 (f) YoY trend GDP 5.2% 5.1%  GDP 5.0% 3.6%  GDP 5.1% 5.2%  System credit* 5.3% 5.2%  System loan 5.0% 5.3%  System loan 9.7% 9%-11%  OPR 2.75% 2.

  9. Slide 9: Well Defended NIM and ROE Improved to 11.7%; Guidance

    Well Defended NIM At 2.05% Despite Market Headwinds, and ROE Improved to 11.7% From 9.6% in FY2022 FY2025 FY2026 Indicator FY2022 FY2023 FY2024 FY2025 Guidance Guidance Return on Equity 9.6% 10.8% 11.1% 11.7%1 ≥11.3% ≥11.8% Cost to Income 45.2% 48.9% 48.9% 48.8% ≤49% ≤49% Ratio Net Credit Charge 40

  10. Slide 10: Net Fund Based Income Grew 2.7% YoY to RM20.23 billion

    Net Fund Based Income Grew 2.7% YoY to RM20.23 billion Supported by Loans Growth of 1.7% YoY; Group NIM Improved 7bps QoQ to 2.09% Net Fund Based Income Net Interest Margin (NIM) QoQ  6.5%  6.0%  2.7% YoY (Ann.) 4Q’25 vs 3Q’25 4Q’25 vs 4Q’24 Trend 2.04% 2.00% 2.02% 2.09% 2.06% 4Q'24 1Q'25 2Q'25 3

  11. Slide 11: NoII Increased 2.7% YoY on Higher Wealth Fees and IB Fees

    NoII Increased 2.7% YoY on Higher Wealth Fees, IB related fees and Investment & Trading Income Gains Non-Interest Income (NoII) FY2025 YoY Performance  (11.0)%  (8.6)%  2.7% YoY 4Q’25 vs 3Q’25 4Q’25 vs 4Q’24  Wealth fee rose 27.9% on higher investment and banca 2.45 2.18 9.88 10.15 income. 2.39

  12. Slide 12: Group Insurance & Takaful PBT Impacted by Softer Equity Markets

    Group Insurance & Takaful PBT Impacted by Softer Equity Market Conditions, Cushioned by Higher Underwriting Income Group Insurance & Takaful Key Drivers PBT • PBT decreased on lower net investment income impacted by (RM million) softer equity market conditions. • The decrease was cushioned by improv

  13. Slide 13: Stable Cost-to-Income Ratio on Low 2.6% YoY Cost Increase

    Stable Cost-to-Income Ratio on Low 2.6% YoY Cost Increase CIR and Costs 49.7% 48.9% 48.7% 48.9% 48.8%  2.6% YoY  0.2%  (0.8)% 4Q’25 vs 3Q’25 4Q’25 vs 4Q’24 14.46 14.84 3.69 3.65 3.66 2.85 2.98 M25+ related spend 0.63 0.72 0.70 0.63 0.64 as at FY2025 0.19 0.14 0.17 2.38 2.49 (RM million) 0.61 0.62

  14. Slide 14: CASA Improved 9.4% YoY Supporting Healthy Group Liquidity

    CASA Improved 9.4% YoY led by Growth Across Home Markets; Supporting Healthy Group Liquidity Indicators Deposits YoY Growth Liquidity Indicators Group Malaysia (MY) Singapore (SG) Indonesia (IDN)  (1.5)%  4.6%  (7.0)%  (2.4)% 141.2% 741.9 138.2% 731.0 134.0% Others 103.5  (7.8)% 95.5 481.0 116.

  15. Slide 15: FY2025 Net Credit Charge Off Rate Improved to 8 bps

    FY2025 Net Credit Charge Off Rate Improved to 8 bps Following MY Corporate Borrower Restructuring, Group LLC Maintained >100% Loan ECL, NCC and LLC Gross Impaired Loans (GIL) P&L ECL Group GIL Volume and Ratio Country GIL Volume and Ratio (RM billion)  >100%  (98.0)% 3.87% 4.05% 3.78%  (66.4)% Yo

  16. Slide 16: Stronger Total Capital Ratio of 19.05% YoY

    Stronger Total Capital Ratio of 19.05% YoY From Sub-Debt Issuances of RM4.8 bil Ahead of Future Redemptions and RWA Optimisation Initiatives Capital Ratios Dec’25 Dec’25 Group Bank vs vs Growth (%) Dec’24 Sep’25 (YoY) (QoQ) 18.04% 19.27% 19.05% 18.53% 17.97% 16.79% 15.27% 15.30% 15.50% 13.89% 13.95%

  17. Slide 17: ROAR 30

    ROAR 30 Overview 17 Key Performance Indicators 18 16

  18. Slide 18: ROAR 30: Our Reimagined Purpose Will Set Us Apart

    ROAR 30: Our Reimagined Purpose Will Set Us Apart through Values- based Offerings Our Purpose Values-based offerings and HUMANISING FINANCIAL SERVICES sustainability principles as an overarching theme Deliver Exceptional Experiences Impact Society Positively Power the Real Economy Our Business at Sc

  19. Slide 19: ROAR 30: Key Financial Performance Indicators

    ROAR 30: Key Financial Performance Indicators 2025 2030 Target Actual FY2020- FY2025 2030 Target Return on equity 11.7% 13%–14% Net operating ~4% 5%-6% CAGR CAGR income growth FY2020-2025 FY2025-2030 Net interest margin 2.05% >2.05% Overseas, ex-MY ~3% 5%-6% income growth CAGR CAGR Cost-to-income ra

  20. Slide 20: Table of Contents

    Table of Contents Executive Summary 2-8 FY2025 Financial Performance 9 - 15 ROAR 30 17 - 18 Appendix: 1. Group Performance 20 - 35 2. Business/Country Performance 37 - 45 19

  21. Slide 21: P&L Summary: FY2025

    P&L Summary: FY2025 4Q 3Q 2Q 1Q 4Q RM million FY2025 FY2024 YoY QoQ YoY FY2025 FY2025 FY2025 FY2025 FY2024 Net fund based income * 20,231.9 19,692.6 2.7% 5,334.9 5,009.9 6.5% 4,934.5 4,952.5 5,033.5 6.0% Non-interest income * 10,147.6 9,879.9 2.7% 2,184.2 2,453.8 (11.0)% 2,749.9 2,759.6 2,388.5 (8.6

  22. Slide 22: International & Malaysia Portfolio Mix FY2025

    International & Malaysia Portfolio Mix FY2025 Net Operating Income Profit Before Tax Group Loans* 3.8% 5.0% FY2025 5.3% 4.4% (Jan 25 – Dec 25) 8.1% 4.4% 18.3% Overseas: RM30.38 RM14.33 Overseas: 25.9% RM686.55 19.1% Overseas: 32.5% billion 26.5% billion 35.3% billion 64.7% 67.5% 73.5% Malaysia Singa

  23. Slide 23: Segmental Business Portfolio Mix FY2025

    Segmental Business Portfolio Mix FY2025 Net Operating Income Profit Before Tax Group Loans* FY2025 5.1% 9.1% (Jan 25 – Dec 25) 36.3% 35.1% RM30.38 RM14.33 RM686.55 39.3% billion billion billion 55.6% 64.9% 54.6% Group Community Financial Services Group Global Banking Group Insurance & Takaful FY2024

  24. Slide 24: Group Loans Growth: 31 December 2025

    Group Loans Growth: 31 December 2025 % of 31 Dec 2024 31 Dec 2025 30 Sep 2025 QoQ 30 Jun 2025 31 Mar 2025 YoY Portfolio (Rebased) Group Loans 686.5 681.7  0.7% 677.6 678.7 675.0  1.7% Malaysia (RM billion) 65% 444.4 435.2  2.1% 429.3 425.2 418.9  6.1% Community Financial Services (rebased) 72% 3

  25. Slide 25: Malaysia Loans Growth: 31 December 2025

    Malaysia Loans Growth: 31 December 2025 % of RM billion 31 Dec 2025 30 Sep 2025 QoQ 30 Jun 2025 31 Mar 2025 31 Dec 2024 YoY Portfolio Community Financial Services (rebased) 72% 318.3 312.8  1.7% 307.8 303.0 298.2  6.7% Consumer 62% 276.1 271.3  1.8% 266.6 262.3 257.8  7.1% Total Mortgage 37% 167

  26. Slide 26: Singapore Loans Growth: 31 December 2025

    Singapore Loans Growth: 31 December 2025 SGD billion % of portfolio 31 Dec 2025 30 Sep 2025 QoQ 30 Jun 2025 31 Mar 2025 31 Dec 2024 YoY Community Financial Services 57% 31.0 29.9  3.5% 29.0 28.3 28.3  9.4% Consumer 43% 23.6 23.1  2.3% 22.5 22.1 22.1  7.1% Mortgage 28% 15.2 14.9  2.1% 14.6 14.4

  27. Slide 27: Indonesia Loans Growth: 31 December 2025

    Indonesia Loans Growth: 31 December 2025 IDR trillion % of portfolio 31 Dec 2025 30 Sep 2025 QoQ 30 Jun 2025 31 Mar 2025 31 Dec 2024 YoY Community Financial Services 69% 87.6 86.6  1.2% 85.0 84.3 83.1  5.4% Consumer 38% 47.9 47.2  1.6% 46.6 46.1 45.5  5.2% Mortgage 14% 17.0 17.0  (0.1)% 17.1 17

  28. Slide 28: Group Deposits Growth: 31 December 2025

    Group Deposits Growth: 31 December 2025 % of Portfolio 31 Dec 2025 30 Sep 2025 QoQ 30 Jun 2025 31 Mar 2025 31 Dec 2024 YoY Group Deposits 731.0 739.1  (1.1)% 749.7 744.9 741.9  (1.5)% Total CASA 296.0 295.0  0.3% 283.3 272.6 270.6  9.4% Total Fixed Deposits 339.5 358.9  (5.4)% 373.9 377.3 367.8

  29. Slide 29: LDR and CASA Ratio

    LDR and CASA Ratio Malaysia Group NSFR LCR * LDR CASA 138.1% 141.2% 138.2% 134.0% 135.7% 116.4% 115.9% 117.3% 117.9% 116.6% 93.5% 93.0% 91.8% 92.4% 92.7% 90.7% 90.9% 92.1% 93.8% 90.2% 40.5% 42.2% 42.2% 41.9% 43.2% 43.1% 36.5% 36.6% 37.8% 39.9% Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Dec 2024 Ma

  30. Slide 30: RWA Optimisation and Funding Management

    RWA Optimisation and Funding Management Group Loans & Group RWA Funding Breakdown Operational RWA Market RWA Credit RWA Gross Loans Borrowings and Capital Instruments by Currency 675.0 681.7 686.5 FI Deposits, 4% Equity, 10% 446.5* 446.6* 436.1* USD, 27% 46.1 51.4 Repo, 3% 51.8 IDR, 7% Borrowings, 4

  31. Slide 31: Asset Quality

    Asset Quality Allowances for losses on loans GIL Ratio Composition P&L ECL 4Q 1Q 2Q 3Q 4Q Dec Mar Jun Sep Dec FY2024 FY2025 (RM million) FY2024 FY2025 FY2025 FY2025 FY2025 2024 2025 2025 2025 2025 Stage 1, net (247) (130) (89) 26 199 (262) 5 Non Performing Loans 0.98% 0.97% 0.95% 0.90% 0.87% (NPL) S

  32. Slide 32: 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% 0.91% 0.89% 1.64% 1.65% 1.55% 0.85% 1.34% 1.51% 4.10% 4.08% 3.97% 3.98% 3.84% 1.43% 1.39% 1.38% 0.82% 1.30% 0.57% 0.59% 0.59% 0.59% 0.76% 0.74% 0.77% 1.17% 0.54% 0.66% 0.08% 0.07% 0.4

  33. Slide 33: Specific Asset Exposures as at 31 December 2025

    Specific Asset Exposures as at 31 December 2025 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 20.2% High Rise Residential RM40.3 billion 12.8% Landed Residential Malaysia 1.3

  34. Slide 34: Dividend: FY2025

    Dividend: FY2025 Full cash second interim dividend of 33 sen per share, bringing total dividend to 63 sen per share for FY2025 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% 72.4% Payout Ratio 100% 88% 100% 100% 100% 67% 63% 53% Cash Component of 27% 34

  35. Slide 35: Income Statement for Insurance and Takaful Business

    Income Statement for Insurance and Takaful Business 4Q 3Q 2Q 1Q 4Q RM million FY2025 FY2024 YoY QoQ YoY FY2025 FY2025 FY2025 FY2025 FY2024 Net interest income 1,681.8 1,722.8 (2.4)% 424.9 413.5 2.7% 425.5 417.9 426.7 (0.4)% Insurance/takaful service result 1,292.4 883.9 46.2% 451.8 201.8 >100% 284.4

  36. Slide 36: Key Operating Ratios

    Key Operating Ratios % 4Q 3Q 2Q 1Q 4Q FY2025 FY2024 YoY QoQ YoY FY2025 FY2025 FY2025 FY2025 FY2024 Return on Equity 3 11.7 11.1 0.6% 11.9 11.6 0.3% 11.6 11.3 11.2 0.7% 3 Net Interest Margin 2.05 2.05 - 2.09 2.02 0.07% 2.00 2.04 2.06 0.03% Fee to Income Ratio 33.4 33.4 - 29.0 32.9 (3.9)% 35.8 35.8 32

  37. Slide 37: Table of Contents

    Table of Contents Executive Summary 2-8 FY2025 Financial Performance 9 - 15 ROAR 30 17 - 18 Appendix: 1. Group Performance 20 - 35 2. Business/Country Performance 37 - 45 36

  38. Slide 38: Market Share Overview for Community Financial Services Malaysia

    Market Share Overview for Community Financial Services Malaysia Market share Dec 24 Mar 25 Jun 25 Sep 25 Dec 25 Loans Total consumer 19.3% 19.4% 19.5% 19.6% 19.6% Auto (Retail Hire Purchase) 29.6% 29.3% 29.0% 28.9% 28.6% Total mortgage * 16.1% 16.3% 16.5% 16.6% 16.7% Credit cards ** 21.8% 21.5% 21.4

  39. Slide 39: Sustained Digital Banking Leadership with Strong Digital Transaction Growth

    Sustained Digital Banking Leadership with Strong Digital Transaction Growth Data as at Dec 2025 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 RM4.67 bil approved loans since its la

  40. Slide 40: Overview: Group Wealth Management & Group Securities Portfolios

    Overview: Group Wealth Management & Group Securities Portfolios Group Wealth Management Group Securities Portfolio Total Financial Assets grew 4.9% YoY to RM562.29 billion on Group Securities Portfolio¹ increased 1.2% YoY investments and loans growth  4.9% YoY 269.1 (0.7)% QoQ 259.9 256.7 253.8 24

  41. Slide 41: Overview of Group Investment Banking Portfolio

    Overview of Group Investment Banking1 Portfolio FY2025 Total Income Breakdown by Country FY2025 Non-Interest Income for Malaysia Hong Kong Philippines Placement and 0.5% Underwriting commission 2.3% related fees Indonesia 1.9% Others 6.3% 5.0% 0.1% Corporate Vietnam advisory fees 6.0% 7.0% Thailand

  42. Slide 42: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance1 Maybank Islamic: Total Financing2 grew 9.3% YoY to RM321.9 billion Dec 25 13.3% RM million FY2025 FY2024 YoY Dec 24 Net Operating Income 9,099.1 8,486.7 7.2% 5.9% Profit Before Tax and Zakat 4,653.6 4,186.5 11.2% 4.0%

  43. Slide 43: 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% 30.7% 42.4% 28.4% 30.3% Automobile Home Term Financing Financing Financing Dec 25 Dec 25 Dec 25 27.7% 27.6% 27.9% 27.9% 27.6% Dec 24: 45.1% Dec 24: 27.9% Dec 24: 27.5% Dec 24

  44. Slide 44: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Net Adjusted Premium/Contribution Life & Family (New Business) Market Share (Malaysia) Single Premium  (23.2)% 18.7% 19.4% 15.7% 21.4% Regular Premium  11.6% Credit Premium  (14.5)% 17.6% 18.1% 19.4% 11.8% 15.2% No. 4 11.2% 11.7% 12.4% in Life/Family Gr

  45. Slide 45: Maybank Singapore: P&L Summary

    Maybank Singapore: P&L Summary 4Q 3Q SGD million FY2025 FY2024 YoY QoQ FY2025 FY2025 Net fund based income 773.78 692.36 11.8% 191.42 200.17 (4.4)% Non-interest income 596.33 598.62 (0.4)% 147.64 161.88 (8.8)% Net income 1,370.11 1,290.98 6.1% 339.06 362.05 (6.3)% Overhead expenses (679.76) (624.16)

  46. Slide 46: Maybank Indonesia: P&L Summary and Financial Ratios

    Maybank Indonesia: P&L Summary and Financial Ratios 4Q 3Q Key Operating IDR billion FY2025 FY2024 YoY QoQ Dec 25 Sep 25 Dec 24 YoY FY2025 FY2025 Ratios Net Fund Based income 7,222 7,105 1.6% 1,848 1,799 2.7% Profitability & Efficiency Non-Interest income 2,327 2,152 8.1% 748 604 23.8% ROA 1.16% 0.91

  47. Slide 47: Htunantsin

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

Malayan Banking Berhad (Maybank) — FY2025 Earnings Presentation on 6ix