Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — 9M FY2015 Earnings Presentation
64 slides from Malayan Banking Bhd's earnings presentation, Nov 26, 2015
Slide 1: Investor Presentation: Financial Results 3Q FY2015 and 9M FY2015
Humanising Financial Services Investor Presentation Financial Results 3Q FY2015 and 9M FY2015 ended 30 September 2015 26 November 2015 www.maybank.com 0
Slide 2: Table of Contents
Table of Contents Results Overview 2 Appendix: 1. Financial Performance 18 2. Community Financial Services 30 3. Global Banking 35 4. Maybank Singapore 40 5. Maybank Indonesia 44 6. Other segments 50 7. Affiliates 55 8. Quarterly Financial Summary 58 Financial 1 Results: 3Q FY2015 and 9M FY2015 ende
Slide 3: Key Highlights
Key Highlights Stronger 3Q performance, and 9M FY2015 net profit growth of 8.3% 1 • 9M YTD revenue growth of 16.1% and 14.7% excluding the gains from the sale of Maybank PNG branch • Net fund based revenue higher by 13.6% supported by focused loan Franchise-Led Growth growth strategy and healthier n
Slide 4: FY2015 Key Performance Indicators Review
FY2015 Key Performance Indicators Review Performance in line with management expectations, amidst challenging environment Annualised Key Performance Indicators FY2015 Guidance 1H FY2015 9M FY2015 Headline KPI Return on Equity (reported) 12.0%-13.0% 12.1% 12.4% Return on Equity (normalised)1 12.0% Ot
Slide 5: Franchise-Led Growth: Net profit YTD Sept FY2015
Franchise-Led Growth Net profit of RM5.18 billion for YTD Sept FY2015 in line with consensus +22.1% +14.8% +13.6% 878 -971 >100% 1,293 -1,139 -14.8% -34.9% +28.8% 40 5,184 34 264 4,785 (RM million) 9M FY2014 Net fund Net fee based Overheads Net Share of Taxation and Non- 9M FY2015 Net Profit based i
Slide 6: Franchise-Led Growth: Revenue growth
Franchise-Led Growth Higher revenue growth of 16.1% led by fee-based and fund-based income growth Net fund based income +13.6% 10,772 9,479 Net Operating Income +16.1% 15,623 3,543 3,813 (RM million) 3,220 3,138 3,415 13,452 3Q 4Q 1Q 2Q 3Q 9M 9M FY2014 FY2014 FY2015 FY2015 FY2015 FY2014 FY2015 5,747
Slide 7: Revenue momentum across business sectors
Franchise-Led Growth Continued revenue momentum across all business sectors, led by CFS and International Banking Net Operating Income +16.1% 15,623 13,452 Global Banking (GB) +3.1% +9.6% +1.9% +8.3% -2.1% +11.9% +6.3% +9.7% 6,097 (RM million) 5,565 4,209 4,474 1,752 1,786 1,242 1,345 1,050 1,152 95
Slide 8: Group loans growth of 17.8%
Franchise-Led Growth Group loans growth of 17.8%, driven by CFS segment in domestic and overseas markets Group Gross Loans +17.8% (ann.) +8.7% (ann.) (ex-FX impact) 465.3 433.3 410.5 419.0 257.2 55.3% 247.7 250.7 245.3 (RM billion) 208.2 44.7% 165.1 171.3 182.6 Dec 14 Mar 15 Jun 15 Sep 15 Overseas M
Slide 9: Loans growth in Malaysia, Singapore and Indonesia
Franchise-Led Growth Loans growth of 6.4% in Malaysia, 11.3% in Singapore and 5.9% in Maybank Indonesia 30 Sep 2015 31 Dec 2014 YTD Annualised Group Gross Loans¹ 465.3 410.5 17.8% Malaysia (RM billion) ² 255.3 243.6 6.4% Community Financial Services 179.1 168.8 8.2% Global Banking 76.1 74.8 2.4% Int
Slide 10: Group Deposits growth
Franchise-Led Growth & Improved Liquidity Annualised deposit growth of 24.3% for 3Q, more in line with 3Q loan growth of 29.6% Group Deposits +12.6% (ann.) +4.4% (ann.) (ex-FX impact) 481.0 453.5 447.1 (RM billion) 439.6 Dec 14 Mar 15 Jun 15 Sep 15 9
Slide 11: LDR and CASA
Franchise-Led Growth & Improved Liquidity LDR at 95.3%, while Group continues to focus on improving profile of deposits Group LDR CASA Malaysia 89.5% 91.5% 90.8% 92.0% 95.3% 83.9% 90.6% 91.8% 92.2% 94.2% 38.1% 39.9% 41.2% 39.6% 41.1% 34.5% 35.3% 35.4% 34.9% 35.3% Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 S
Slide 12: Net interest margin
Franchise-Led Growth Net interest margin improves QoQ, and on a YTD annualised basis NIM as at end-Sept is at 2.31% (FY2014: 2.31%) Group Net Interest Margin (%) 2.38 2.31 2.28 2.26 2.20 3Q FY2014 4Q FY2014 1Q FY2015 2Q FY2015 3Q FY2015 11 11
Slide 13: Strategic Cost Management
Strategic Cost Management Improved cost to income ratio at 47.9% with positive JAW position Group overheads composition (RM’ mil) 9M FY2015 9M FY2014 YoY Personnel Costs 4,178.5 3,667.5 13.9% IT Expenses 447.1 376.4 18.8% Establishment Costs 764.2 760.3 0.5% Marketing Expenses 496.1 412.0 20.4% Admi
Slide 14: Asset Quality: Loan loss coverage and impaired loans
Asset Quality Increased loan loss coverage of 85.4%, while Group GIL remained stable at 1.54% Allowance for losses on loans Group Impaired Loans Ratio Loan loss coverage Gross Impaired Loans Ratio (%) Allowances for losses on loans Net Impaired Loans Ratio (%) 95.4% 95.6% 93.5% 83.4% 85.4%* 1.83 1.6
Slide 15: Asset Quality by Market
Asset Quality by Market Stable QoQ asset quality trends across three home markets Malaysia Singapore Indonesia Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) 2.04 1.85 3.49 4.50 4.54* 1.75 1.62 1.63 3.32 3.24 0.41 0.41 0.24 0.30 0.23 0.33 0.34 0.18 0.18 0.24 2.82 2.78 3.55 3.36* 2.63 1.
Slide 16: Stable Capital Position
Stable Capital Position Total Capital Ratio and CET1 remain healthy at 15.10% and 11.27% (based on actual reinvestment rate of 87.43%) After proposed Before After proposed After proposed dividend, based on proposed dividend and dividend and BNM’s Implementation dividend reinvestment * reinvestment *
Slide 17: Outlook & Guidance
Outlook & Guidance ROE 12% - 13% • Maintain guidance for remaining of 2015 • Continued focus on strategic priorities Group Loans Growth 8% - 9% More selective asset growth Franchise-led deposits taking 6% - 7% Proactive management of asset quality Malaysia Loans Growth Maintain strong capita
Slide 18: Table of Contents
Table of Contents Results Overview 2 Appendix: 1. Financial Performance 18 2. Community Financial Services 30 3. Global Banking 35 4. Maybank Singapore 40 5. Maybank Indonesia 44 6. Other segments 50 7. Affiliates 55 8. Quarterly Financial Summary 58 Financial 17 Results: 3Q FY2015 and 9M FY2015 end
Slide 19: P&L Summary: 9M FY2015
P&L Summary: 9M FY2015 More 9M 9M 3Q 2Q 3Q details RM million YoY QoQ YoY on FY2015 FY2014 FY2015 FY2015 FY2014 s.22 Net fund based income * 10,771.5 9,478.5 13.6% 3,812.9 3,543.3 7.6% 3,219.6 18.4% s.22 Net fee based income * 4,851.6 3,973.6 22.1% 1,934.3 1,345.1 43.8% 1,318.0 46.8% Fee based incom
Slide 20: Unaudited Income Statement for Insurance and Takaful Business
Unaudited Income Statement for Insurance and Takaful Business 9M 9M 3Q 2Q 3Q RM million YoY QoQ YoY FY2015 FY2014 FY2015 FY2015 FY2014 Interest income 692.1 723.7 (4.4)% 221.2 234.4 (5.6)% 236.3 (6.4)% Interest expense (25.6) (20.1) 27.6% (8.6) (8.5) 1.1% (8.6) 0.0% Net interest income 666.5 703.7 (
Slide 21: International & Malaysia Portfolio Mix: 9M FY2015
International & Malaysia Portfolio Mix: 9M FY2015 Net Operating Income Profit Before Tax Gross loans* 9M FY2015 (Jan 15 – Sept 15) Overseas: 5.2% Overseas: 9.1% Overseas: 33.1% 12.1% 24.9% 2.4% 44.7% 11.1% 13.4% 7.5% 15.8% RM15.62b RM6.78b RM465.33b 55.3% 66.9% 26.1% 75.1% Malaysia Singapore Indones
Slide 22: Business Segment Performance: 9M FY2015 (1/2)
Business Segment Performance: 9M FY2015 (1/2) Net Operating Income 9M FY2014 +16.1% 9M FY2015 Global Banking (GB) +3.1% 15,623 13,452 +9.6% +1.9% +8.3% -2.1% +11.9% +6.3% +9.7% 6,097 RM million 5,565 4,209 4,474 1,752 1,786 1,242 1,345 957 937 1,050 1,152 59 66 Total Community Corporate Global Marke
Slide 23: Business Segment Performance: 9M FY2015 (2/2)
Business Segment Performance: 9M FY2015 (2/2) Net Fund Based Income 9M FY2014 +13.6% 9M FY2015 Global Banking (GB) +16.3% 10,772 9,479 +7.7% +12.2% +24.2% +25.4% -147.0% +25.8% -4.2% 4,637 RM million 4,305 3,856 3,064 1,169 1,312 517 642 122 153 3 704 674 (1) Total Community Corporate Global Markets
Slide 24: Net Fee Based Income: 9M FY2015
Net Fee Based Income: 9M FY2015 9M 9M RM million YoY FY2015 FY2014 Commission, service charges and fees 2,751 2,645 4.0% Investment & Trading Income 736 717 2.7% Unrealised gain/ (losses) on securities & derivatives (756) 180 (519.5)% Foreign Exchange Profit 1,115 285 291.0% Other Income 275 166 65.
Slide 25: Group Loans Growth: Sep 2015
Group Loans Growth: 30 Sep 2015 % of YTD 30-Sep-15 31-Dec-14 30-Sep-14 YoY Portfolio Annualised Group Gross Loans¹ 465.3 410.5 17.8% 388.1 19.9% Malaysia (RM billion) ² 55% 255.3 243.6 6.4% 232 10.0% Community Financial Services 70% 179.1 168.8 8.2% 162.7 10.1% Global Banking 30% 76.1 74.8 2.4% 69.3
Slide 26: Malaysia Loans Growth: Sep 2015
Malaysia Loans Growth: 30 Sep 2015 % of 30 Sep 31 Dec YTD 30 Sep RM billion YoY Portfolio 2015 2014 Annualised 2014 Community Financial Services 70% 179.1 168.8 8.2% 162.7 10.1% Consumer 56% 144.0 135.7 8.1% 131.3 9.7% Total Mortgage 26% 67.1 60.9 13.5% 58.5 14.6% Auto Finance 16% 40.8 38.6 7.7% 37.
Slide 27: Commodities Exposure
Commodities Exposure Maybank Group’s loan exposure for selected commodities as at 30 Sep 2015 Commodities Agriculture Energy Metals & Mining Home Market Home Market Home Market 1.67% 2.76% 2.73% Malaysia Malaysia Malaysia Group Country Group Country Group Country 1.43% 2.61% 2.11% 3.85% 2.43% 4.44%
Slide 28: Commodities Exposure
Commodities Exposure Maybank Group’s loan exposure to agriculture, energy and metals and mining in our three home market as at 30 Sep 2015 Commodities Agriculture Energy Metals & Mining Producers Manufacturers Producers Manufacturers Producers Manufacturers Malaysia Malaysia Malaysia Malaysia Malays
Slide 29: Group Deposit Growth: Sep 2015
Group Deposit Growth: 30 Sep 2015 % of 30 Sep 31 Dec YTD 30 Sep YoY Portfolio 2015 2014 Annualised 2014 Group Gross Deposits 481.0 439.6 12.6% 420.2 14.5% Malaysia (RM billion) 60% 286.9 278.3 4.1% 277.7 3.3% Savings Deposits 14% 40.3 38.5 6.5% 38.0 6.2% Current Accounts 27% 77.5 72.8 8.7% 67.9 14.3
Slide 30: Table of Contents
Table of Contents Results Overview 2 Appendix: 1. Financial Performance 18 2. Community Financial Services 30 3. Global Banking 35 4. Maybank Singapore 40 5. Maybank Indonesia 44 6. Other segments 50 7. Affiliates 55 8. Quarterly Financial Summary 58 Financial 29 Results: 3Q FY2015 and 9M FY2015 end
Slide 31: Community Financial Services: Market Share as at end Sept 2015
Community Financial Services: Market Share as at end Sept 2015 Jun-15 Market Market Share Dec-13 Dec-14 Mar-15 Jun-15 Sep-15 vs Position Sep-15 Loans Total Consumer / Household 17.2% 17.4% 17.4% 17.4% 17.5% 0.0 2 Auto (Purchase of Transport Vehicles) 21.5% 23.0% 23.4% 23.6% 23.8% 0.0 2 Total Mortgag
Slide 32: Community Financial Services: Overview of Malaysia Loans Portfolio
Community Financial Services: Overview of Malaysia Loans Portfolio HNW & Affluent Customer TFA grew 10.8% YoY Consumer Loans grew 8.1% (ann.) to RM144.0 billion through improved product cross sell 144.0 170.0 8.00 141.4 161.1 138.9 157.4 153.5 7.50 135.7 150.4 145.3 131.3 7.12 7.00 7.09 RM billion R
Slide 33: Community Financial Services: Overview of Malaysia Deposits Portfolio
Community Financial Services: Overview of Malaysia Deposits Portfolio CFS Deposits growth of 9.1% (ann.) led by Consumer Deposits growth of 8.0% (ann.) driven Consumer and SME portfolios by FD growth of 8.1% (ann.) 126.0 123.9 198.8 124.0 121.5 192.4 122.0 119.4 190.0 186.6 120.0 118.0 116.9 178.7 1
Slide 34: Community Financial Services: Overview of CFS Malaysia Asset Quality
Community Financial Services: Overview of CFS Malaysia Asset Quality CFS GIL remained stable at 1.8% Consumer GIL held steady with a slight increase in Cards & Business Banking 3,658 Industry 4,000 GIL % Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 3,457 3,334 3,285 Q3 2015 3,109 CFS 2.2 2.0 1.9 1.8 1.8
Slide 35: Table of Contents
Table of Contents Results Overview 2 Appendix: 1. Financial Performance 18 2. Community Financial Services 30 3. Global Banking 35 4. Maybank Singapore 40 5. Maybank Indonesia 44 6. Other segments 50 7. Affiliates 55 8. Quarterly Financial Summary 58 Financial 34 Results: 3Q FY2015 and 9M FY2015 end
Slide 36: Global Banking: Overview of Corporate Banking Portfolio
Global Banking: Overview of Corporate Banking Portfolio Total GB loans increased by 2.4% (ann.) to RM76.1 billion Trade Finance market share ¹ and grew 9.9% YoY 25.8% RM billion 25.4% 25.3% -2.3% 24.9% 34.4 (ann.) 24.6% Term Loan 35.0 34.7 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 39.6 +7.7% Trade Finance
Slide 37: Global Banking: Overview of Global Markets Portfolio
Global Banking: Overview of Global Markets Portfolio Global markets revenue grew regionally by 4.5% Group Securities Portfolio grew 4.1% YoY Net interest income +4.1% YoY Non-interest income +4.5% -0.8% 107.8 108.8 112.2 104.6 103.8 11.8 11.6 1,654.8 9.2 10.3 14.6 Others 1,934.0 2,021.6 44.5 44.5 48
Slide 38: Global Banking: Overview of Investment Banking Portfolio
Global Banking: Overview of Investment Banking Portfolio 9M ended 30 Sept 2015 Total Income Total Income for Maybank Kim Eng dropped by 2.1% YoY Indonesia, Others, (RM13.1 mil (RM44.8 mil, ,1%) 2.1% 5%) 956.9 Phillipines, Malaysia, 937.0 (RM45.7 mil, (RM270.7 mil, 5%) 29%) Hong Kong, (RM67.8 mil, 7%
Slide 39: Global Banking: Notable Deals for 9M FY2015
Global Banking: Notable Deals for 9M FY2015 Malaysia Singapore Singapore Malaysia Malaysia Turkey Hong Kong Malaysia Thailand Sapurakencana TMC Pacific Andes Hap Seng Weststar Aviation KT Kira Sertifikalari Samson Paper IJM Corporation Resources Dev’t Consolidated Berhad Services Sdn Bhd Mah Sing Gr
Slide 40: Table of Contents
Table of Contents Results Overview 2 Appendix: 1. Financial Performance 18 2. Community Financial Services 30 3. Global Banking 35 4. Maybank Singapore 40 5. Maybank Indonesia 44 6. Other segments 50 7. Affiliates 55 8. Quarterly Financial Summary 58 Financial 39 Results: 3Q FY2015 and 9M FY2015 end
Slide 41: Maybank Singapore: P&L Summary
Maybank Singapore: P&L Summary (SGD mil) 9M FY2015 9M FY2014 YoY Net Fund Based income 428.69 379.50 13.0% Net Fee Based income 187.36 217.69 (13.9)% Net income 616.04 597.18 3.2% Overhead expenses 265.48 251.88 5.4% Operating profit 350.57 345.30 1.5% Profit before taxation 301.15 330.46 (8.9)% • P
Slide 42: Maybank Singapore: Overview of Loan Portfolio
Maybank Singapore: Overview of Loan Portfolio Diversified Loan Portfolio As at 30 June 2015, total loans rose by 11.3% +10.6% YoY YTD annualised . +11.3% ann. Other Consumer loans expanded by 25.8% YTD to 34.5 35.1 38.1 (Consumer) SGD14.6 billion, lifted by strong growth in 2.5 2.6 3.6 Car Loan
Slide 43: Maybank Singapore: Overview of Deposits Portfolio
Maybank Singapore: Overview of Deposits Portfolio Consumer deposits account for 56% of our deposits CASA grew 7.8% YoY in Sep-15 but fell 1.7% on a YTD annualised basis +11.1% YoY +0.8% ann. 35.9 39.6 39.8 Time Consumer - Deposits Time Deposits 26.8 29.7 30.0 16.5 17.6 17.4 Consumer SGD billion 56%
Slide 44: Table of Contents
Table of Contents Results Overview 2 Appendix: 1. Financial Performance 18 2. Community Financial Services 30 3. Global Banking 35 4. Maybank Singapore 40 5. Maybank Indonesia 44 6. Other segments 50 7. Affiliates 55 8. Quarterly Financial Summary 58 Financial 43 Results: 3Q FY2015 and 9M FY2015 end
Slide 45: Maybank Indonesia's Official Change in Name
Maybank Indonesia’s Official Change in Name 44
Slide 46: Maybank Indonesia: P&L Summary
Maybank Indonesia: P&L Summary (IDR bil) 9M FY2015 9M FY2014 YoY 3Q FY2015 2Q FY 2015 QoQ Net Fund Based income 4,784 4,329 11% 1,696 1,502 13% Net Fee Based income 1,605 1,427 12% 523 461 14% Net income 6,389 5,756 11% 2,219 1,962 13% Overhead expenses (4,110) (3,701) 11% (1,343) (1,314) 2% Personn
Slide 47: Maybank Indonesia: Portfolio Overview
Maybank Indonesia: Portfolio Overview Loans composition (Consolidated) Net Interest Margin (Consolidated) IDR Trillion 6.6% YoY 6.6% ann. 102.0 104.6 106.3 111.5 35.8 39.8 41.5 44.7 4.94% 4.63% 4.76% 4.82% 35.3 38.9 40.8 43.6 30.9 25.9 24.0 23.2 Dec-13 Sep-14 Dec-14 Sep-15 Dec-13 Sep-14 Dec-14 Sep-1
Slide 48: Maybank Indonesia: Overview of BII Finance Operations
Maybank Indonesia: Overview of BII Finance Operations Revenue and Profit Before Tax Consumer Financing IDR billion IDR billion 27.2% 608 543 4,009 7.0% 3,151 248 265 Sep-14 Sep-15 Sep-14 Sep-15 Revenue Profit Before Tax Asset Quality Unit Financing (unit) 9.4% 8.0% 0.37% 0.33% 38,828 39,287 0.23% 35
Slide 49: Maybank Indonesia: Overview of WOM Finance Operations
Maybank Indonesia: Overview of WOM Finance Operations Revenue and Profit Before Tax Consumer Financing IDR billion IDR billion 11.2% 1,270 10.1% 1,142 4,442 3,992 55 (22) Sep-14 Sep-15 Sep-14 Sep-15 Revenue Profit Before Tax Asset Quality Unit Financing (‘000 unit) 0.3% 438 439 14.5% 3.03% 2.91% 2.9
Slide 50: Table of Contents
Table of Contents Results Overview 2 Appendix: 1. Financial Performance 18 2. Community Financial Services 30 3. Global Banking 35 4. Maybank Singapore 40 5. Maybank Indonesia 44 6. Other segments 50 7. Affiliates 55 8. Quarterly Financial Summary 58 Financial 49 Results: 3Q FY2015 and 9M FY2015 end
Slide 51: Islamic Banking: Performance Overview
Islamic Banking: Performance Overview Group Islamic Banking Financial Performance Maybank Islamic: Total Gross Financing grew by 23%(ann.) to RM127.0 billion p15% p31% 9M 9M p18% Dec-14 RM million YoY FY2015 FY2014 30.96 Sep-15 30.17 29.07 27.87 25.67 Total Income 2,984.5 2,465.7 21.0% 24.48 p29% p3
Slide 52: Islamic Banking: Market Share as at end Sept 2015
Islamic Banking: Market Share as at end Sept 2015 Maybank Islamic Market Share (Malaysia) Market Share by Product 35.0% 33.0% 33.4% 33.6% 32.7% 31.1% 31.6% Sep 15 Sep 14 30.0% Automobile financing 42.0% 38.3% 27.9% Home Financing 27.2% 25.0% 25.0% 25.1% 24.7% 24.9% 24.4% 24.8% Term financing 30.8% 2
Slide 53: Insurance and Takaful: Performance Overview
Insurance and Takaful: Performance Overview Gross Premium Life / Family (New Business) Market Share Single Premium - 64.5% AIA Ins. & Tak. 19.0% Regular Premium + 13.1% 9M FY2015 Prudential Ins. & Tak. 15.5% No. 4 in Life/Family Credit Premium + 12.5% GE Ins. & Tak. (New Business) 9M FY2014 14.3% Gr
Slide 54: Maybank Philippines: Performance Overview
Maybank Philippines: Performance Overview Key Highlights Revenue and PBT +21.0% YoY Revenue improved YoY by 21.0% or PESO620.2 mil as net interest income grew on the back of higher loans growth and 3,569.3 non-interest income growth was supported by an increase in 2,949.1 commissions and higher tr
Slide 55: Table of Contents
Table of Contents Results Overview 2 Appendix: 1. Financial Performance 18 2. Community Financial Services 30 3. Global Banking 35 4. Maybank Singapore 40 5. Maybank Indonesia 44 6. Other segments 50 7. Affiliates 55 8. Quarterly Financial Summary 58 Financial 54 Results: 3Q FY2015 and 9M FY2015 end
Slide 56: An Binh Bank: Performance Overview
An Binh Bank: Performance Overview Key Highlights Revenue and PBT Revenue increased YoY by 20.6% or VND249.2 bil, as fee +20.6% YoY income and interest income improved by 86.2% and 12.4% respectively. 1,459.7 PBT rose YoY by 20.1% or VND43.0 bil due to higher income mainly as a result of lower i
Slide 57: MCB Bank: Performance Overview
MCB Bank: Performance Overview Key Highlights Revenue and PBT PBT increased by 23.9% YoY contributed by higher +20.7% YoY revenue and lower provisions. 50.7 Net interest income was higher by 15.3% YoY, mainly due 42.0 +23.9% YoY to an increase in interest income from investments. 34.7 Revenue
Slide 58: Table of Contents
Table of Contents Results Overview 2 Appendix: 1. Financial Performance 18 2. Community Financial Services 30 3. Global Banking 35 4. Maybank Singapore 40 5. Maybank Indonesia 44 6. Other segments 50 7. Affiliates 55 8. Quarterly Financial Summary 58 Financial 57 Results: 3Q FY2015 and 9M FY2015 end
Slide 59: Net Fee Based Income by quarter
Net Fee Based Income by quarter 1Q 2Q 3Q RM million QoQ QoQ FY2015 FY2015 FY2015 Commission, service charges and fees 937 946 1.0% 868 (8.2)% Investment & Trading Income 238 233 (1.9)% 265 13.6% Unrealised gain/ (losses) on securities & derivatives (91) (176) 94.9% (489) 177.1% Foreign Exchange Prof
Slide 60: Key Operating Ratios
Key Operating Ratios 9M 9M Variance 1Q 2Q 3Q Variance (%) FY2015 FY2014 YoY FY2015 FY2015 FY2015 QoQ Return on Equity 12.4 13.4 (1.0)% 12.8 11.7 13.6 1.9% Net Interest Margin 2.31 2.34 (3)bps 2.26 2.28 2.38 10bps Fee to Income Ratio 31.1 29.5 1.6% 31.5 27.5 33.7 6.2% Loans-to-Deposit Ratio 95.3 90.6
Slide 61: Group Gross Loans by quarter
Group Gross Loans by quarter 31 Dec 2014 31 Mar 2015 30 Jun 2015 30 Sep 2015 QoQ Group Gross Loans¹ 410.5 419.0 433.3 465.3 7.4% Malaysia (RM billion) ² 243.6 245.9 248.8 255.3 2.6% Community Financial Services 168.8 171.8 175.3 179.1 2.2% Global Banking 74.8 74.1 73.4 76.1 3.7% International (RM bi
Slide 62: Malaysia Gross Loans by quarter
Malaysia Gross Loans by quarter RM billion 31 Dec 2014 31 Mar 2015 30 Jun 2015 30 Sep 2015 QoQ Community Financial Services 168.8 171.8 175.3 179.1 2.2% Consumer 135.7 138.9 141.4 144.0 1.9% Total Mortgage 60.9 62.8 65.1 67.1 3.1% Auto Finance 38.6 39.7 40.4 40.8 1.2% Credit Cards 5.8 6.0 6.0 6.0 1.
Slide 63: Group Gross Deposit by quarter
Group Gross Deposit by quarter 31 Dec 2014 31 Mar 2015 30 Jun 2015 30 Sep 2015 QoQ Group Gross Deposits 439.6 447.1 453.5 481.0 6.1% Malaysia (RM billion) 278.3 278.6 285.4 286.9 0.5% Savings Deposits 38.5 39.7 40.3 40.3 0.2% Current Accounts 72.8 74.9 72.5 77.5 6.9% Fixed Deposits 140.8 143.6 155.2
Slide 64: 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’ Mohamed Rafique Merican Group Chief Financial Officer Contact: (6)03-2074 7878 Email: rafique@mayba
Malayan Banking Berhad (Maybank) — 9M FY2015 Earnings Presentation on 6ix