Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — Invest Malaysia 2019

59 slides from Malayan Banking Bhd's conference presentation, Mar 20, 2019

  1. Slide 1: Investor Handout - Invest Malaysia 2019

    Humanising Financial Services Investor Handout Invest Malaysia 2019 Shangri-La Hotel, Kuala Lumpur 19-20 March 2019 www.maybank.com 0

  2. Slide 2: Table of Contents

    Table of Contents Maybank’s Strategic Presence in ASEAN 2 FY2018 Financial Performance 10 Prospects & Outlook 26 Appendix: 1. Financial Performance 29 2. Community Financial Services 42 3. Global Banking 45 4. Maybank Singapore 49 5. Maybank Indonesia 52 6. Other segments 55 1

  3. Slide 3: Leading Regional Financial Services Group

    Leading Regional Financial Services Group • Myanmar: • Laos: • Philippines: Leadership Position 1 branch 2 branches 74 branches • MKE: ■ No. 1 bank in Malaysia: Conventional and Islamic • Thailand 3 branches MKE: ■ Top 4 bank in ASEAN by Total Assets, Loans and 43 branches • Vietnam: 2 branches Depo

  4. Slide 4: Maybank's Presence in All Ten ASEAN Countries

    Maybank’s Presence in All Ten ASEAN Countries MARKET TOTAL PHILIPPINES SINGAPORE CAP ASSETS INDONESIA CAMBODIA THAILAND MYANMAR MALAYSIA VIETNAM BRUNEI @ @ LAOS BANK 28 Feb 19 31 Dec 18 (USD Bil) (USD Bil) 1 BCA 48.0 57.2 2 DBS 47.0 404.1 3 OCBC 34.8 343.0 4 UOB 30.8 284.7 * 5 Maybank 25.9 195.0 * 6

  5. Slide 5: Top 4 Financial Services Provider in ASEAN by Total Assets, Loans & Deposits

    Top 4 Financial Services Provider in ASEAN by Total Assets, Loans & Deposits Total Assets (USD bil): 31 Dec 2018 Loans and Deposits (USD bil): 31 Dec 2018 DBS 404 DBS 257 289 OCBC 343 OCBC 189 217 UOB 285 UOB 192 215 Maybank 195 No.4 Maybank 125 134 No.4 CIMB 129 CIMB 84 90 Public Bank 102 Public Ba

  6. Slide 6: Maybank Group's Key Business Pillars

    Maybank Group’s Key Business Pillars Group Community Group Insurance and Group Global Banking Takaful Business Financial Services Pillars Islamic Finance leverage model utilised to distribute Islamic products across the group, while international business operations are embedded within each business

  7. Slide 7: Maybank2020: Key Strategic Objectives' Achievements in FY2018

    Maybank2020: Key Strategic Objectives’ Achievements in FY2018 1 • Group Wealth Management grew 11% YoY to RM24.6 billion in investment AUM as our The Top ASEAN customer base expanded 18% to over 780,000 Community Bank • The local incorporation of Maybank Singapore Limited was completed with the tran

  8. Slide 8: Becoming The Digital Bank of Choice (1/2)

    Becoming The Digital Bank of Choice (1/2) Digital Achievements in 2018 -2019 Reimagined Implemented Launched QRPay Grab Partnership Launched MAE Maybank2u E-CLEVA A cashless payment A complete change of Formed a strategic A real-time video A lifestyle-themed solution using QR user interface based on

  9. Slide 9: Becoming The Digital Bank of Choice (2/2)

    Becoming The Digital Bank of Choice (2/2) FutureReady Digital Upskilling Programme We introduced the first phase of our FutureReady Digital Upskilling Programme in January 2018 to increase employees’ digital literacy and support the Group’s aspiration to be The Digital Bank of Choice The Programme’s

  10. Slide 10: Table of Contents

    Table of Contents Maybank’s Strategic Presence in ASEAN 2 FY2018 Financial Performance 10 Prospects & Outlook 26 Appendix: 1. Financial Performance 29 2. Community Financial Services 42 3. Global Banking 45 4. Maybank Singapore 49 5. Maybank Indonesia 52 6. Other segments 55 9

  11. Slide 11: Maybank Group FY2018 Overview

    Maybank Group FY2018 Overview New record net profit of RM8.11 billion on the back of strong net operating income of RM23.63 billion 1 • New net operating income high of RM 23.63 billion supported by net fund based income growth of 3.1% YoY, as Group loans expanded 4.8% Record Net Profit • Overhead e

  12. Slide 12: P&L Summary: FY2018

    P&L Summary: FY2018 Record high PPOP at RM12.42 billion, up 4.2% YoY More 4Q 3Q 4Q details RM million FY2018 FY2017 YoY QoQ YoY on FY2018 FY2018 FY2017 s.31 Net fund based income * 17,135.9 16,627.7 3.1% 4,474.6 4,268.2 4.8% 4,161.3 7.5% s.15/ 16/31 Net fee based income * 6,493.8 6,610.5 (1.8)% 1,82

  13. Slide 13: Net Fund Based Income: FY2018 (1/3)

    Net Fund Based Income: FY2018 (1/3) Loans growth across home markets and segments supported by selective deposit growth Group Malaysia Singapore Indonesia Gross Loans (YoY) Community Financial Services Global Banking  +4.8% (Reported)  +4.8%  +4.5%  +7.0%  +5.0% (Normalised) SGD billion IDR tri

  14. Slide 14: Net Fund Based Income: FY2018 (2/3)

    Net Fund Based Income: FY2018 (2/3) Marginal NIM compression of 3 bps due to Group’s liquidity drive in 1H FY2018 Net Interest Margin (%) QoQ Trend 2.39 2.38 5 Year Trend 2.30 2.30 2.27 4Q '17 1Q '18 2Q '18 3Q '18 4Q '18 2.36 2.33 2.31 2.31 2.27 FY2014 FY2015 FY2016 FY2017 FY2018 13

  15. Slide 15: Net Fund Based Income: FY2018 (3/3)

    Net Fund Based Income: FY2018 (3/3) Continued credit RWA optimisation on the back of selective loan growth Group Gross Loans Total Group RWA  +4.8%  +1.7% 517.3  +1.7%  (1.2)%  +5.7%  (0.1)% 493.8 485.7 379.6 373.3 375.1 374.6 459.4   +7.7%  +6.6% +4.3% 37.2 34.9 40.1 41.8 Operational RWA 

  16. Slide 16: Net Fee Based Income: YoY

    Net Fee Based Income: YoY Lower net fee based income as a result of weaker equity market RM million FY2017 FY2018 YoY Commission, service charges and fees 3,564 3,358  (5.8)% Investment & Trading Income 1,057 (318)  (>100)% Unrealised gain/(losses) on financial assets and investments 143 (228)  (

  17. Slide 17: Net Fee Based Income: QoQ

    Net Fee Based Income: QoQ Higher QoQ net fee based income due to lower contractual liabilities for insurance business 1Q 2Q 3Q 4Q RM million QoQ FY2018 FY2018 FY2018 FY2018 Commission, service charges and fees 836 857 883 782  (11.4)% Investment & Trading Income 109 (24) (68) (335)  >100% Unrealis

  18. Slide 18: Overheads: FY2018

    Overheads: FY2018 Group CIR of 47.4% within Group’s guidance of ~48%, on disciplined cost management 4Q 3Q 4Q RM million FY2018 FY2017 YoY QoQ YoY FY2018 FY2018 FY2017 Personnel Costs 6,449.5 6,128.0 5.2% 1,751.0 1,557.2 12.4% 1,556.5 12.5% Establishment Costs 1,813.1 1,980.9 (8.5)% 491.8 447.9 9.8%

  19. Slide 19: Asset Quality

    Asset Quality Moderating Group GIL ratio of 2.41% QoQ due to better asset quality trends across home markets Allowances for losses on loans Group Gross Impaired Loans (GIL) Ratio Composition Loan loss coverage incl. Regulatory Reserve Dec Sep Jun Mar Dec Loan loss coverage GIL Ratio Components 2018

  20. Slide 20: Asset Quality by Line of Business

    Asset Quality by Line of Business Improved quarterly trends across business segments, while consumer lines relatively stable Consumer Mortgage Auto Finance Credit Cards 2.59% 2.61% 2.63% 2.14% 2.30% 1.42% 1.36% 1.34% 1.75% 1.84% 1.83% 1.84% 1.86% 1.08% 0.98% 1.73% 1.79% 1.78% 1.53% 0.85% 0.90% 0.92%

  21. Slide 21: Exposure to Oil & Gas and Real Estate Sectors

    Exposure to Oil & Gas and Real Estate Sectors: 31 December 2018 Group Exposure to Direct & Indirect Oil & Gas Borrowers Real Estate Exposure to Non-Retail Malaysian Borrowers Maybank Group Malaysia Singapore Indonesia Others Others, 31.1% High Rise 3.57% 2.04% 1.21% 0.11% 0.21% Residential, 30.6% No

  22. Slide 22: Liquidity Management: 31 December 2018

    Liquidity Management: 31 December 2018 Maintained strong Group liquidity risk indicators Funding Breakdown Borrowings and Liquidity Risk Indicators Capital Instruments by Currency LDR LTF LTFE LCR 153.3% 144.9% 133.1% 130.5% 132.4% FI Deposits, 6% HKD, Equity, 11% JPY, 8% IDR, SGD, 10% 3% 10% 94.4%

  23. Slide 23: ROE and Capital Positions: 31 December 2018

    ROE and Capital Positions: 31 December 2018 Total capital ratio of 18.51% and CET1 capital ratio of 14.51% (assuming 85% dividend reinvestment rate) Return on Equity Regulatory Requirements 13.8% 12.2% 11.4% 10.6% 10.9% Jan 2019 2018 Onwards Minimum Common Equity 4.5% 4.5% Tier 1 Capital FY 2014 FY

  24. Slide 24: Dividend: FY2018

    Dividend: FY2018 Single-tier final dividend of 32 sen consisting of 15 sen cash portion and 17 sen electable portion Dividend (sen), Payout Ratio (%) and Cash Component (%) 79.9% 78.5% 78.1% 78.5% 77.3% 76.5% 74.9% 74.7% 76.3% Dividend 71.9% Payout Ratio 67% 53% Cash 27% 20% 25% 27% 13% 11% 12% 19%

  25. Slide 25: Superior Dividend Yield

    Superior Dividend Yield Maybank continues to provide one of the best dividend yields among regional banks Annual Dividend Yield (%) 2014-2018 6.4 6.3 6.2 6.0 5.6 2014 2015 2016 2017 2018 Maybank CIMB Public Bank DBS OCBC UOB BCA Mandiri Bank Rakyat Bangkok Bank Kasikornbank Siam Comm Source: Bloombe

  26. Slide 26: Table of Contents

    Table of Contents Maybank’s Strategic Presence in ASEAN 2 FY2018 Financial Performance 10 Prospects & Outlook 26 Appendix: 1. Financial Performance 29 2. Community Financial Services 42 3. Global Banking 45 4. Maybank Singapore 49 5. Maybank Indonesia 52 6. Other segments 55 25

  27. Slide 27: Market Outlook

    Market Outlook FY2019 Industry outlook for our home markets Key Indicators Industry Outlook • GDP: 4.9% (2019F) vs 4.7% (2018) • Stable economic growth driven by growth in • System loan: 5.1% (2019F) vs 5.6% (2018) mining and agriculture sectors, private • OPR: 3.25% (2019F) vs 3.25% (2018) investme

  28. Slide 28: Maybank Performance Outlook

    Maybank Performance Outlook Group guidance for FY2019 1 Income Growth  Expand revenue streams through cross business collaborations  Measured balance sheet expansion in line with economic growth of home markets and Group’s conservative risk posture  Group ROE guidance of ~11.0% 2 Better Productiv

  29. Slide 29: Table of Contents

    Table of Contents Maybank’s Strategic Presence in ASEAN 2 FY2018 Financial Performance 10 Prospects & Outlook 26 Appendix: 1. Financial Performance 29 2. Community Financial Services 42 3. Global Banking 45 4. Maybank Singapore 49 5. Maybank Indonesia 52 6. Other segments 55 28

  30. Slide 30: International & Malaysia Portfolio Mix FY2018

    International & Malaysia Portfolio Mix FY2018 Net Operating Income Profit Before Tax Gross loans* FY2018 (Jan 18 – Dec 18) Overseas: 7.4% Overseas: 10.8% Overseas: 8.5% 37.5% 12.1% 29.9% 6.9% 41.7% 7.6% RM23.63 12.2% RM10.90 RM517.3 18.0% billion billion billion 25.6% 58.3% 62.5% 70.1% Malaysia Sing

  31. Slide 31: Segmental Performance of Businesses: FY2018 (1/2)

    Segmental Performance of Businesses: FY2018 (1/2) Net Operating Income FY2017  +1.7% Group Global Banking  +1.0% FY2018 23,238 23,630 FY2017: 9,242 FY2018: 9,336  +0.3%  +4.7%  (8.5)%  (61.3)%  (15.2)% 13,497 13,542 RM million 7,658 8,016 1,337 1,224 1,861 1,578 247 96 Total Group Community G

  32. Slide 32: Segmental Performance of Businesses: FY2018 (2/2)

    Segmental Performance of Businesses: FY2018 (2/2) Net Fund Based Income FY2017  +3.1% Group Global Banking  +4.6% FY2018 FY2017: 5,359 FY2018: 5,606 16,628 17,136  +0.3%  +4.4%  +3.3%  (>100)%  +6.3% 10,292 10,320 RM million 5,058 5,282 302 312 (1) 12 1,094 1,163 Total Group Community Group C

  33. Slide 33: P&L Summary: QoQ

    P&L Summary: QoQ 1Q 2Q 3Q 4Q 4Q RM million QoQ YoY FY2018 FY2018 FY2018 FY2018 FY2017 Net fund based income 4,237.9 4,155.2 4,268.2 4,474.6 4.8% 4,161.3 7.5% Net fee based income 1,578.6 1,663.2 1,425.6 1,826.3 28.1% 1,885.6 (3.1)% Net operating income 5,816.5 5,818.4 5,693.8 6,300.9 10.7% 6,046.9 4

  34. Slide 34: Income Statement for Insurance and Takaful Business

    Income Statement for Insurance and Takaful Business 1Q 2Q 3Q 4Q RM million FY2018 FY2017 YoY QoQ FY2018 FY2018 FY2018 FY2018 Net interest income 1,163.0 1,086.9 7.0% 278.2 280.8 294.8 309.2 4.9% Net earned premiums 5,933.6 5,250.9 13.0% 1,511.4 1,490.0 1,430.0 1,502.2 5.0% Other operating income (36

  35. Slide 35: Group Gross Loans Growth: 31 December 2018

    Group Gross Loans Growth: 31 December 2018 % of 31 Mar 30 Jun 30 Sep 31 Dec 31 Dec QoQ YoY Portfolio 2018 2018 2018 2018 2017 Group Gross Loans 493.4 502.4 507.7 517.3  1.9% 493.8  4.8% Malaysia (RM billion) 58% 288.9 290.5 292.5 299.2  2.3% 285.5  4.8% Community Financial Services (reported) 72

  36. Slide 36: Malaysia Loans Growth: 31 December 2018

    Malaysia Loans Growth: 31 December 2018 % of 31 Mar 30 Jun 30 Sep 31 Dec 31 Dec RM billion QoQ YoY Portfolio 2018 2018 2018 2018 2017 Community Financial Services (reported) 72% 205.7 209.0 212.4 216.0  1.7% 203.7  6.0% Community Financial Services (rebased)¹ 72% 205.7 209.0 212.4 216.0  1.7% 203

  37. Slide 37: Group Deposits Growth: 31 December 2018

    Group Deposits Growth: 31 December 2018 % of 31 Mar 30 Jun 30 Sep 31 Dec 31 Dec QoQ YoY Portfolio 2018 2018 2018 2018 2017 Group Gross Deposits 532.1 539.8 536.6 556.3  3.7% 526.6  5.6% Malaysia (RM billion) 62% 336.4 335.8 331.3 343.8  3.8% 317.8  8.2% Savings Deposits 12% 42.5 42.8 42.1 42.8 

  38. Slide 38: LDR and CASA Ratio

    LDR and CASA Ratio Group LDR CASA CASA (without IA) Malaysia 93.4% 92.5% 92.8% 94.4% 92.7% 91.2% 87.0% 87.8% 89.5% 87.9% 37.3% 35.3% 35.1% 35.1% 35.9% 40.2% 37.3% 37.3% 37.9% 38.7% 35.4% 33.5% 33.2% 33.2% 33.6% 37.1% 34.5% 34.3% 34.9% 34.9% Dec 17 Mar 18 Jun 18 Sep 18 Dec 18 Dec 17 Mar 18 Jun 18 Sep

  39. Slide 39: Strong Capital Position: 31 December 2018

    Strong Capital Position: 31 December 2018 Before proposed After proposed Regulatory Requirements dividend dividend, Jan 2019 2018 assuming 85% Onwards reinvestment rate Minimum Common Equity Tier 1 4.5% 4.5% Capital 19.38% 19.02% 18.51% Minimum Tier 1 Capital 6.0% 6.0% Group Minimum Total Capital 8.

  40. Slide 40: Financial Statements Impact Arising from MFRS 16 Adoption

    Financial Statements Impact Arising from MFRS 16 Adoption MFRS 16 Adoption (effective 1 January 2019)  MFRS 16 replaces existing accounting standard MFRS 117  MFRS 16 eliminates the distinction between operating and finance leases for all lessees  Under MFRS 16, a lessor’s accounting is substanti

  41. Slide 41: Key Operating Ratios

    Key Operating Ratios 1Q 2Q 3Q 4Q 4Q % FY2018 FY2017 YoY QoQ YoY FY2018 FY2018 FY2018 FY2018 FY2017 Return on Equity 11.4 10.9 0.5% 10.5 11.1 11.0 13.0 2.0% 12.4 0.6% Net Interest Margin 2.33 2.36 (3) bps 2.39 2.27 2.30 2.38 8 bps 2.30 8 bps Fee to Income Ratio 27.5 28.4 (0.9)% 27.1 28.6 25.0 29.0 4.

  42. Slide 42: Table of Contents

    Table of Contents Maybank’s Strategic Presence in ASEAN 2 FY2018 Financial Performance 10 Prospects & Outlook 26 Appendix: 1. Financial Performance 29 2. Community Financial Services 42 3. Global Banking 45 4. Maybank Singapore 49 5. Maybank Indonesia 52 6. Other segments 55 41

  43. Slide 43: Community Financial Services: Overview of Market Share for Malaysia

    Community Financial Services: Overview of Market Share for Malaysia Sep-18 Market Market share Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 vs position Dec-18 Loans Total consumer (Household) 17.6% 17.6% 17.6% 17.7% 17.7% 2 Auto (Purchase of transport vehicles) 26.5% 26.7% 27.1% 27.3% 27.7% 2 Total mortgage *

  44. Slide 44: Community Financial Services: Overview of Malaysia Portfolio

    Community Financial Services: Overview of Malaysia Portfolio Total CFS loans on an upward trend of 6.0% YoY and 1.7% Individual customer TFA grew 3.9% YoY to RM313.7 billion QoQ driven by HNW & Affluent Banking customer TFA  +6.0% YoY  +3.9% YoY  +1.7% QoQ  +0.7% QoQ 302.1 311.5 313.7 203.7 212.

  45. Slide 45: Table of Contents

    Table of Contents Maybank’s Strategic Presence in ASEAN 2 FY2018 Financial Performance 10 Prospects & Outlook 26 Appendix: 1. Financial Performance 29 2. Community Financial Services 42 3. Global Banking 45 4. Maybank Singapore 49 5. Maybank Indonesia 52 6. Other segments 55 44

  46. Slide 46: Global Banking: Overview of Malaysia Corporate Banking Portfolio

    Global Banking: Overview of Malaysia Corporate Banking Portfolio Total GB loans increased 1.7% YoY to RM83.3 billion Trade Finance market share RM billion 24.4% 23.5% 45.1 22.8% 22.4% 22.2%  +7.5% YoY Term Loan 44.7 42.0 Dec 17 Mar 18 Jun 18 Sep 18 Dec 18 Short Term 26.9 Note: Market share of total

  47. Slide 47: Global Banking: Overview of Group Securities and Global Markets Portfolio

    Global Banking: Overview of Group Securities and Global Markets Portfolio Group Securities Portfolio¹ grew 15.5% YoY Group Securities Portfolio¹: 35.5% Foreign Securities as at FY2018 FY2018 Others  +15.5% (NIDs, BA, etc) PDS – 3.9% Government 179.0 178.3 Foreign Securities 172.3 12.7% - Domestic 6

  48. Slide 48: Global Banking: Overview of Group Investment Banking Portfolio

    Global Banking: Overview of Group Investment Banking Portfolio FY2018 Total Income Breakdown by Country Total Income for Maybank Kim Eng1 Hong Kong Others (8.5)% YoY Philippines 3% 4% 3% 1,337.3 Indonesia 1,224.1 4% Malaysia RM1,224.1 38% RM million Thailand million 18% Singapore FY2017 FY2018 30% F

  49. Slide 49: Table of Contents

    Table of Contents Maybank’s Strategic Presence in ASEAN 2 FY2018 Financial Performance 10 Prospects & Outlook 26 Appendix: 1. Financial Performance 29 2. Community Financial Services 42 3. Global Banking 45 4. Maybank Singapore 49 5. Maybank Indonesia 52 6. Other segments 55 48

  50. Slide 50: Maybank Singapore: P&L Summary

    Maybank Singapore: P&L Summary SGD million FY2018 FY2017 YoY Net fund based income 752.08 686.02 9.6% Net fee based income 358.16 326.49 9.7% Net income 1,110.25 1,012.51 9.7% Overhead expenses (434.97) (387.86) 12.1% Operating profit 675.28 624.65 8.1% Profit before taxation 421.37 315.50 33.6%  N

  51. Slide 51: Maybank Singapore: Overview of Loans and Deposits Portfolio

    Maybank Singapore: Overview of Loans and Deposits Portfolio Diversified Loan Portfolio Consumer deposits’ composition at 51% of total deposits  +4.5% YoY 0.0% YoY 40.6 41.9 42.4 Other 46.2 44.9 46.2 3.1 3.1 (Consumer) Consumer - 3.5 2.1 2.4 2.4 Car Loan Time Deposits Consumer 15.8 16.3 15.9 Consume

  52. Slide 52: Table of Contents

    Table of Contents Maybank’s Strategic Presence in ASEAN 2 FY2018 Financial Performance 10 Prospects & Outlook 26 Appendix: 1. Financial Performance 29 2. Community Financial Services 42 3. Global Banking 45 4. Maybank Singapore 49 5. Maybank Indonesia 52 6. Other segments 55 51

  53. Slide 53: Maybank Indonesia: P&L Summary

    Maybank Indonesia: P&L Summary 4Q 3Q IDR billion FY2018 FY2017 YoY QoQ FY2018 FY2018 Net Fund Based income 8,100 7,702 5.2% 2,060 2,108 (2.3)% Net Fee Based income 2,267 2,729 (17.0)% 756 489 54.7% Net income 10,367 10,431 (0.6)% 2,816 2,597 8.4% Overhead expenses (6,023) (5,793) 4.0% (1,541) (1,494

  54. Slide 54: Maybank Indonesia: Financial Ratios and Loans Portfolio Breakdown

    Maybank Indonesia: Financial Ratios and Loans Portfolio Breakdown Key Operating Ratios Loans Portfolio Breakdown 31 Dec 30 Sep 31 Dec Key Operating Ratios Dec18 Sep 18 Dec 17 YoY IDR Trillion QoQ YoY 2018 2018 2017 Profitability & Efficiency CFS 102.3 100.1 2.2% 95.3 7.4% Return On Assets 1.74% 1.59

  55. Slide 55: Table of Contents

    Table of Contents Maybank’s Strategic Presence in ASEAN 2 FY2018 Financial Performance 10 Prospects & Outlook 26 Appendix: 1. Financial Performance 29 2. Community Financial Services 42 3. Global Banking 45 4. Maybank Singapore 49 5. Maybank Indonesia 52 6. Other segments 55 54

  56. Slide 56: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance Maybank Islamic: Total Gross Financing grew to RM176.8 billion RM million FY2018 FY2017 YoY Dec-17 Dec-18 12% Total Income 5,118.1 4,600.4 11.3% 11% 47.5 3% Profit Before Tax 3,033.7 2,751.8 10.2% 42.6 39.1 17% 35.

  57. Slide 57: Islamic Banking: Market Share

    Islamic Banking: Market Share Maybank Islamic Market Share Market Share by Product (Malaysia) 33.8% 33.6% 33.2% 32.6% 32.7% Key Products Dec 18 Dec 17 Automobile Financing 45.5% 45.0% 31.2% 30.4% 30.4% 30.4% Home 27.1% 27.7% 29.9% Term financing 31.7% 31.6% Dec 17 Mar 18 Jun 18 Sep 18 Dec 18 Financi

  58. Slide 58: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Gross Premium Life / Family (New Business) Market Share Single Premium  71.7% Regular Premium  4.4% AIA Ins. & Tak. 20.7% Credit Premium  33.7% GE Ins. & Tak. 13.8% FY2018 No. 4 in Life/Family Group Premium  14.5% (New Business) FY2017 Prudential Ins.

  59. Slide 59: Malayan Banking Berhad contact details

    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 Disclaimer. This presentation has been prepared by Malayan Banking Berhad (the “Company”) for information purposes only and does not

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