Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — FY2013 Earnings Presentation
69 slides from Malayan Banking Bhd's earnings presentation, Feb 27, 2014
Slide 1: Investor Presentation: Financial Results Q4 & FY2013
Humanising Financial Services Across Asia Investor Presentation Financial Results Fourth Quarter & Full Year FY2013 27 February 2014 www.maybank.com 0
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 12 Prospects & Outlook 29 Appendix: Business Sector Review 1) Community Financial Services 35 2) Global Banking 42 3) Maybank Singapore 47 4) Bank Internasional Indonesia 50 5) Other Segments 55 6) Other Affiliates 59 7) Quarterly Financial
Slide 3: FY2013 Performance Highlights
FY2013 Performance Highlights The Group registered strong all-round FY2013 financial performance 1 Achieved full year ROE of 15.1%, meeting headline KPI target despite a slower 1H 2013. Profitability PATAMI was higher by 14.0% YoY, reaching RM6.55 billion - a record high for the Maybank Group. Group
Slide 4: Key Performance Targets FY2013
Key Performance Targets FY2013 Maybank meets Group-level targets set for FY2013 Key Performance Indicators FY2013 FY2013 Industry Peer Average Targets Achievement Average (FY2013) Headline KPI Peer Return on Equity 15.0% 15.1% - 12.6% Other targets Group Loans Growth 12.0% 14.0% - 17.3% • Malaysia 1
Slide 5: The strategic priorities that we set for FY2013
The strategic priorities that we set for FY2013 Continued focus on regionalisation, performance & productivity to drive future growth 1 Raise the tempo for 2 Accelerate the move to a 3 Change the Cost Structure Regionalisation High Performance Culture Key Achievements Key Achievements Key Achievemen
Slide 6: Maybank's Performance Across Home Markets
Maybank’s Performance Across Home Markets International PBT growth at 12.7% YoY and on track with Group’s international contribution target PBT Contribution by Market PBT growth by markets on RM basis (%) Malaysia CY2011** Dec - FY2012 Dec - FY2013 Dec - FY2011 Jun CY2011 Dec FY2012 Dec Singapore Ma
Slide 7: Review of 5-Year Strategic Objectives (1/5)
Review of 5-Year Strategic Objectives (1/5) Strong funding franchise and financing position in domestic market Strategic Objective 1: Undisputed No. 1 Retail Financial Services provider in Malaysia by 2015 Dec-13 Dec-11 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 vs. MBB Rank ^ Dec-12 Deposits Total Deposits
Slide 8: Review of 5-Year Strategic Objectives (2/5)
Review of 5-Year Strategic Objectives (2/5) Global Banking on track with regional roll-out plan, with Maybank Kim Eng gaining improved recognition Strategic Objective 2: Leading ASEAN wholesale bank eventually expanding to Middle East, China & India Regional League Table – Mergers & Acquisitions NOT
Slide 9: Review of 5-Year Strategic Objectives (3/5)
Review of 5-Year Strategic Objectives (3/5) The clear leader in Insurance & Takaful, Life & Family and General with diversified distribution channels Strategic Objective 3: Undisputed Insurance & Takaful Leader in Malaysia and Emerging Regional Player Life / Family (New Business) Market Share By Lin
Slide 10: Review of 5-Year Strategic Objectives (4/5)
Review of 5-Year Strategic Objectives (4/5) International PBT contribution at 30.3% for FY2013 Strategic Objective 4: Truly regional organisation with approx. 40% of pre-tax profit derived from international operations by 2015 FY13 Net Income Profit Before Tax Gross Loans* International: 34.4% Inter
Slide 11: Review of 5-Year Strategic Objectives (5/5)
Review of 5-Year Strategic Objectives (5/5) Maybank Islamic is the third largest Islamic bank globally with a financing market share of 30.6% in Malaysia Strategic Objective 5: Global leader in Islamic Finance Maybank Islamic PBT Maybank Islamic Contribution to Maybank Domestic Financing as at Dec 2
Slide 12: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 12 Prospects & Outlook 29 Appendix: Business Sector Review 1) Community Financial Services 35 2) Global Banking 42 3) Maybank Singapore 47 4) Bank Internasional Indonesia 50 5) Other Segments 55 6) Other Affiliates 59 7) Quarterly Financial
Slide 13: Adoption of New Accounting Standards / Guidelines
Adoption of New Accounting Standards / Guidelines During the financial year, the Group and the Bank have adopted new/revised MFRSs and new Bank Negara Malaysia (BNM) guidelines effective from 1 January 2013 onwards. Key changes of new/revised accounting standards to the financial statements of the G
Slide 14: Earnings Summary
Earnings Summary PATAMI growth on the back of higher net income and managed overheads growth FY2013 FY2012 YoY Q4 FY13 Q3 FY13 RM million (Restated) Net interest income 9,585.3 9,296.7 3.1% 2,383.5 2,392.9 Net Fund based income (Islamic Banking) 2,331.5 1,699.4 37.2% 705.4 644.2 Net Fund Based incom
Slide 15: Key Performance Ratios
Key Performance Ratios Stable year-on-year performance and in line with guidance set (%) FY2013 FY2012 Variance CY2011 FY2011* Return on Equity 15.1 16.0 90 bps 15.7 15.2 Net Interest Margin (post-MFRS 10) 2.43 2.48 (5) bps - - Net Interest Margin (pre-MFRS 10) 2.33 2.41 (8) bps 2.53 2.56 Fee to Inc
Slide 16: Business Sector Performance (1/2)
Business Sector Performance (1/2) Net income grew 10.5% supported by higher revenue across all business segments +10.5% FY2012 FY2013 18,538 16,773 Global Banking (GB) +4.0% Net Income (RM million) +6.5% -1.3% -0.9 % +20.1% +3.8% +10.6% 6,871 7,318 5,137 5,330 2,301 2,270 1,711 1,696 1,279 1,536 1,4
Slide 17: Business Sector Performance (2/2)
Business Sector Performance (2/2) Fee-based income was overall stronger, with strongest growth on investment banking and insurance sectors Net Fund Based Income rose 8.4% +8.4% FY2012 FY2013 11,917 Global Banking (GB) +12.8% 10,996 +7.7% +4.5% RM million 6.5% +7.0% 5,205 5,606 +19.1% +26.4% 3,522 3,
Slide 18: Non-Interest Income
Non-Interest Income Non-interest income up 10.4% from higher commissions & fees, investment & trading income and forex gains FY2012 FY2013 +10.4% 5,882 5,329 +11.7% RM million 3,544 3,173 +77.4% +15.5% 1,134 +643.8% -3.6% 1,292 -32.4% 1,119 -1,991.0% 639 380 497 479 -345 257 261 18 ( ex‐ Insurance &
Slide 19: Fee Income Growth Trends
Fee Income Growth Trends Fee income registering long term growth driven by higher commissions, service charges and fees Fee to income ratio CY2011 FY2012 FY2013 (pre MFRS 10) 38.0% 38.7% 39.3% Fee to income ratio -- 34.4% 35.7% (post MFRS 10) 10000 Post MFRS 10 Fee Income from Islamic Operations 4,2
Slide 20: Group Overheads
Group Overheads For FY2013, Group registers a positive JAW of 2.1% Positive Jaws FY2011 FY2012 FY2013 YoY Income Growth (%) 8.9% 12.0% 10.5% YoY Overhead Growth (%) (14.2%) (9.4%) (8.4%) JAWS (5.3%) 2.6% 2.1% Group overheads composition (RM’ mil) FY13 FY12 YoY 1QFY13 2QFY13 3Q FY13 4QFY13 QoQ Person
Slide 21: Group Loans Growth
Group Loans Growth Robust loans growth across all key markets – meeting key KPI for FY2013 despite softer 1H 2013 31 Dec 13 31 Dec 12 YoY Group Gross Loans * 361.8 317.3 14.0% Malaysia (RM billion)** 223.6 199.8 11.9% Community Financial Services 151.9 135.4 12.2% Global Banking 71.7 64.5 11.2% Inte
Slide 22: Segmental Breakdown of Domestic Loans
Segmental Breakdown of Domestic Loans Strong CFS and global banking loans growth Q3 RM billion Dec 13 Dec 12 YoY Q4 FY13 FY13 Community Financial 151.9 135.4 12.2% 151.9 146.8 Services Consumer 121.9 108.3 12.7% 121.9 117.8 Total Mortgage 53.8 48.5 11.0% 53.8 52.2 Auto Finance 35.0 31.2 12.0% 35.0 3
Slide 23: Group Deposits
Group Deposits Deposit growth at 14% YoY driven by focused product strategies & better distribution capabilities 31 Dec 13 31 Dec 12 YoY Group Gross Deposits 395.6 347.2 14.0% Malaysia (RM billion) 259.1 227.3 14.0% Savings Deposits 37.6 35.5 5.7% Current Accounts 65.8 56.9 15.8% Fixed Deposits 138.
Slide 24: LDR and CASA Ratios
LDR and CASA Ratios Group LDR trends within the target range of 85%-90% Group Malaysia LDR CASA 89.6% 89.0% 87.5% 88.2% 89.9% 86.3% 86.6% 85.9% 86.6% 87.8% 35.1% 34.9% 34.2% 36.1% 36.1% 40.7% 40.5% 38.8% 40.7% 39.9% Dec 12 Mar 13 Jun 13 Sep 13 Dec‐13 Dec 12 Mar 13 Jun 13 Sep 13 Dec‐13 Singapore BII
Slide 25: Group Asset Quality
Group Asset Quality Group asset quality continues to register long term improvements Allowance for losses on loans Group Impaired Loans Ratio Allowances for losses on loans Loan loss coverage Gross Impaired Loans Ratio Net Impaired Loan Ratio 107.5% 106.3% 105.6% 103.5% 729.6 3.34 3.23 679.2 2.84 99
Slide 26: Asset Quality for Home Markets
Asset Quality for Home Markets Credit quality in Malaysia and Singapore improved, while Indonesia recorded an uptick in impaired loans Malaysia Singapore BII Group GIL NIL 2.21 2.19 2.15 2.81 2.10 0.53 2.00 1.69 0.43 0.45 2.15 2.18 2.15 0.42 0.42 1.96 1.49 1.48 2.46 1.35 1.82 1.29 1.29 1.06 0.29 0.3
Slide 27: Capital Adequacy
Capital Adequacy The Maybank Group’s capital ratios remained robust Before Assuming 85% Based on BNM’s proposed reinvestment Implementation dividend rate Guideline* Group 15.66% 15.43% 15.66% 15.85% 13.06% 12.83% 13.06% 12.44% 11.25% 11.02% 11.25% 10.22% Dec 13 Dec 13 Dec 13 Dec 12 CET 1 Capital Rat
Slide 28: Dividend Payout
Dividend Payout The Group’s payout will remain at 40%-60% for 2014 The Board has recommended a gross final dividend of 31 sen per consisting of 4 sen cash portion and 27 sen electable portion for the Dividend Reinvestment Plan. Gross Dividend (sen) and Payout Ratio (%) Dividend Payout Ratio 76.5% 74
Slide 29: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 12 Prospects & Outlook 29 Appendix: Business Sector Review 1) Community Financial Services 35 2) Global Banking 42 3) Maybank Singapore 47 4) Bank Internasional Indonesia 50 5) Other Segments 55 6) Other Affiliates 59 7) Quarterly Financial
Slide 30: Economic and Banking Sector Outlook 2014 (1/2)
Economic and Banking Sector Outlook for Home Markets for 2014 (1/2) Outlook for Malaysia and Singapore is stable, with a mild uptick expected this year MALAYSIA 2013 2014 (actual) (forecast) • Malaysian economy is expected to register improved growth of 5% on GDP 4.7% 5.0% the back of domestic inves
Slide 31: Economic and Banking Sector Outlook 2014 (2/2)
Economic and Banking Sector Outlook for Home Markets for 2014 (2/2) Expected challenges for Indonesia in 1H 2013, with some upside in 2H 2013 INDONESIA 2013 2014 (actual) (forecast) GDP 5.7% 5.6% • Commodities sector expected to remain tepid arising from the reduced demand, especially from China. In
Slide 32: FY2014 Group Strategic Priorities
FY2014 Group Strategic Priorities The Group continues to expand on its platform to regionalise its operations 1 2 Productivity & 3 Business 4 Regionalisation Yield Effectiveness Portfolio ¾ Leadership in ¾ Transition to a ¾ Optimise product ¾ Optimise capital in profitable regional matrix lines ever
Slide 33: Maybank Group Management Team
Maybank Group Management Team Embedding business and functional capabilities across the region Country Head, Malaysia Datuk Abdul Farid Alias Country Head, Indonesia Taswin Zakaria* Country Head, Singapore Datuk Lim Hong Tat 32 32
Slide 34: Targets for 2014
Targets for 2014 Return Group Loans Group on Growth Deposits 13% Equity Growth • Malaysia: 12% 15% • Singapore*: 13% 13% • Indonesia*: 17%-20% * Loans growth in local currencies 33 33
Slide 35: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 12 Prospects & Outlook 29 Appendix: Business Sector Review 1) Community Financial Services 35 2) Global Banking 42 3) Maybank Singapore 47 4) Bank Internasional Indonesia 50 5) Other Segments 55 6) Other Affiliates 59 7) Quarterly Financial
Slide 36: Community Financial Services (1/6)
Community Financial Services (1/6) Ramped up our segment-led model HNW & Affluent Customer TFA grew 13.5% YoY with strong Mass Customer TFA grew 8.6% YoY with focus on cross-sell culture embedded across the bank increasing share of wallet +13.5% YoY +8.6% YoY 101.0 133.5 Total TFA (RM'bil) Total TFA
Slide 37: Community Financial Services (2/6)
Community Financial Services (2/6) Strengthened our grip by sustaining market share of 19.0% and steady growth of 9.3% in total retail deposit Total Retail Deposits mobilised ahead industry Total Core Retail Deposit market share improved further from 26.0%18.3% to 19.0% YoY reflecting our strong dis
Slide 38: Community Financial Services (3/6)
Community Financial Services (3/6) Mortgage achieved double digit growth of 11% YoY with GIL ratio declining from 1.1% to 0.7% YoY Continued loan growth despite intense price competition Asset quality improved with GIL declining from 1.1% to 0.7% YoY and among the lowest in the industry 48,461 53,77
Slide 39: Community Financial Services (4/6)
Community Financial Services (4/6) Auto Finance grew 12.1% YoY (almost double industry growth rate) with stable GIL at 0.45% YoY, lowest in the industry The fastest growing auto finance player in the industry with strong Hire purchase GIL reduced from 0.54% to 0.45% compared market leadership positi
Slide 40: Community Financial Services (5/6)
Community Financial Services (5/6) Cards business grew 4.0% in receivables with comprehensive financial solution to our customers Strengthening market position through merchant relationship and Continue to outperformed the industry in Billings and enhancing our branding, communication and product po
Slide 41: Community Financial Services (6/6)
Community Financial Services (6/6) Retail SME and Business Banking registered double digit loans and deposits growth Retail SME loans grew by 23% to RM6 billion Retail SME and BB deposits growth expanded by double digit 7,000 12.9% 12.9% 13.0% growth of 16.3% to RM65.5 billion YoY 6,500 12.8% 12.9%
Slide 42: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 12 Prospects & Outlook 29 Appendix: Business Sector Review 1) Community Financial Services 35 2) Global Banking 42 3) Maybank Singapore 47 4) Bank Internasional Indonesia 50 5) Other Segments 55 6) Other Affiliates 59 7) Quarterly Financial
Slide 43: Global Banking (1/4)
Global Banking (1/4) Global Banking loans increased 11.2% Total GB loans increased by 11.2% to RM71.7 billion Trade Finance market share1 RM billion 26.8% 26.5% 34.9 +7.4% 26.0% Term Loan YoY 33.4 25.6% 25.6% 32.5 34.1 +16.0% Trade Finance Dec'12 Mar'13 Jun'13 Sep'13 Nov'13 29.9 YoY and Others 29.4
Slide 44: Global Banking (2/4)
Global Banking (2/4) Global Markets PBT for FY2013 contracted by 3.9% due to challenging market conditions PBT and Revenue for Regional GM contracted by 3.9% Group Securities Portfolio grew 20.0% YoY and 4.5% YoY respectively +20.0% YoY Non-Interest Income Net Interest Income -4.5% 93.8 95.5 96.5 -3
Slide 45: Global Banking (3/4)
Global Banking (3/4) Notable deals completed from January – December 2013 NOTABLE DEALS COMPLETED FROM JANUARY - DECEMBER 2013 Malaysia Malaysia Malaysia Malaysia Malaysia Malaysia Malaysia Malaysia Malaysia Sime Darby Global Malakoff Power Bhd UMW Holdings Berhad SapuraKencana SapuraKencana Parkson
Slide 46: Global Banking (4/4)
Global Banking (4/4) Notable deals completed from January – December 2013 NOTABLE DEALS COMPLETED FROM JANUARY - DECEMBER 2013 Indonesia Indonesia Indonesia Indonesia Indonesia Hong Kong Hong Kong Indonesia Philippines PT Lestari Banten Energi ( PT Trans Retail PT Matahari A member of the Genting PT
Slide 47: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 12 Prospects & Outlook 29 Appendix: Business Sector Review 1) Community Financial Services 35 2) Global Banking 42 3) Maybank Singapore 47 4) Bank Internasional Indonesia 50 5) Other Segments 55 6) Other Affiliates 59 7) Quarterly Financial
Slide 48: Maybank Singapore (1/2)
Maybank Singapore (1/2) Loans growth at 13.6%, driven by business loans growth of 15.8% and consumer loans growth of 10.3% Diversified Loan Portfolio Loans portfolio was lifted to record level of 13.6% annualised S$30.9b as of Dec 13. Business loans surpassed 27.3 30.9 Other (Consumer) the S$20b m
Slide 49: Maybank Singapore (2/2)
Maybank Singapore (2/2) (SGD’ mil) FY2013 FY2012 YoY 4Q FY2013 QoQ Net Fund Based income 423.84 431.77 -1.8% 115.12 14.4% Net Fee Based income 284.99 267.24 6.6% 82.70 7.4% Net income 708.83 699.01 1.4% 197.82 11.4% Overhead expenses 311.44 276.84 12.5% 86.61 7.9% Operating profit 397.40 422.17 -5.9
Slide 50: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 12 Prospects & Outlook 29 Appendix: Business Sector Review 1) Community Financial Services 35 2) Global Banking 42 3) Maybank Singapore 47 4) Bank Internasional Indonesia 50 5) Other Segments 55 6) Other Affiliates 59 7) Quarterly Financial
Slide 51: Bank Internasional Indonesia (1/4)
Bank Internasional Indonesia (1/4) Earnings Summary (IDR’ bil) FY2013 FY2012 YoY FY2011 Net Fund Based income 5,801 5,310 9% 4,005 Net Fee Based income 2,293 1,930 19% 2,328 Net income 8,094 7,240 12% 6,332 Overhead expenses (5,198) (4,639) (12%) (4,353) Personnel (2,356) (2,244) (5%) (1,919) Genera
Slide 52: Bank Internasional Indonesia (2/4)
Bank Internasional Indonesia (2/4) Registered loans growth of 27.9% in challenging environment Loans composition (IDR trillion) (Consolidated) Net Interest Margin (Consolidated) NIM compressed to 5.20% as at end Dec 2013 27.9% 102.0 73.5 80.9 85.1 5.89% 67.2 35.8 27% 5.73% 26.6 31.1 25.4 26.6 35.3 3
Slide 53: Bank Internasional Indonesia (3/4)
Bank Internasional Indonesia (3/4) Records PATAMI of IDR1.55 trillion for FY2013 PATAMI Capital Adequacy: consolidated (credit, operational & 1,545 market risk) 12.83% 1,208 12.71% 12.72% +229.4% 12.56% 12.33% 669 11.83% 469 461 -41 Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Dec-13 2008 2009 2010 2011 2012
Slide 54: Bank Internasional Indonesia (4/4)
Bank Internasional Indonesia (4/4) WOM Finance: improved performance on lower operating expenses and provisioning costs Revenue and PBT (Rp Billion) Unit Financing (’000 unit) (Stand alone) (Consolidated) +6.8% 1,609 1,586 536 +0.3% 502 1,376 1,348 393 394 +217.9% +31.5% 142 205 108 148 89 28 YTD De
Slide 55: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 12 Prospects & Outlook 29 Appendix: Business Sector Review 1) Community Financial Services 35 2) Global Banking 42 3) Maybank Singapore 47 4) Bank Internasional Indonesia 50 5) Other Segments 55 6) Other Affiliates 59 7) Quarterly Financial
Slide 56: Islamic Banking
Islamic Banking PBT increased 11.5% YoY to RM1.47 billion Group Islamic Banking Income and PBT* Market Share Dec-13 Dec-12 YoY RM million FY13 FY12 Growth AITAB 34.9% 30.0% Fund based income 2,331.5 1,699.4 37.2% Home Financing 23.1% 21.4% Other operating income** 478.6 496.9 -3.7% Term financing 29
Slide 57: Insurance and Takaful: Etiqa
Insurance and Takaful: Etiqa PBT increases 11% YoY for Etiqa Group to RM733 million Gross Premium Life / Family (New Business) Market Share Single Prem ium - 54.2% Regular Prem ium + 3.4% AIA (+ING) Ins. & Tak. 18.0% Credit Premium - 0.8% Etiqa Ins. & Tak. 15.5% No. 2 in Life/Family 4Q FY13 (New Bus
Slide 58: Maybank Philippines
Maybank Philippines Loans growth of 18.1% contributed to net income growth of 30.4% Revenue and PBT Revenue grew by 30.4% attributable mainly to increase in NII (+25.9%) from interest on loans and advances and higher NOII +30.4% (+42.6%) from trading gains and forex profits. 3,559.4 Gross loans
Slide 59: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 12 Prospects & Outlook 29 Appendix: Business Sector Review 1) Community Financial Services 35 2) Global Banking 42 3) Maybank Singapore 47 4) Bank Internasional Indonesia 50 5) Other Segments 55 6) Other Affiliates 59 7) Quarterly Financial
Slide 60: AnBinh Bank
AnBinh Bank Gross loans expanded by 61.4% but performance impacted by low interest rate environment Gross Loans and Deposits Revenue and PBT dropped YoY by 9.0% and 18.5% despite the 21.5% growth in loans. Major shortfall from NII which declined by 61.4% 40,794.3 20.9% YoY as a result of NIM compr
Slide 61: MCB Bank
MCB Bank Performance mildly weaker due lower interest rates Revenue and PBT Revenue decreased by 1.9% YoY impacted by the rising cost of funds and lower yield due to State Bank of -1.9% Pakistan reducing policy rates on 21 June 2013 by 0.5% to 50.5 49.4 9%. Net interest income fell by PKR2.9bil Yo
Slide 62: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 12 Prospects & Outlook 29 Appendix: Business Sector Review 1) Community Financial Services 35 2) Global Banking 42 3) Maybank Singapore 47 4) Bank Internasional Indonesia 50 5) Other Segments 55 6) Other Affiliates 59 7) Quarterly Financial
Slide 63: FY2013 Group Targets
FY2013 Group Targets Key Performance FY2013 1Q FY13* 2Q FY13* 3Q FY13* 4Q FY13* FY2012 Indicators Targets Headline KPI Return on Equity* 15.0% 14.2% 14.7% 16.2% 15.9% 16.0% Other targets Group Loans 12.0% 5.8% 12.3% 9.3% 26.2% 12.2% Growth • Malaysia 12.0% 5.3% 13.4% 6.9% 20.3% 11.8% • Singapore 11.
Slide 64: Quarterly Profit and Loss
Quarterly Profit and Loss RM million 1QFY13 2QFY13 QoQ 3Q FY13 QoQ 4QFY13 QoQ Net interest income 2,427.4 2,381.5 (1.9)% 2,392.9 0.5% 2,383.5 (0.4)% Net Fund based income (Islamic 475.3 506.6 6.6% 644.2 27.1% 705.4 9.5% Banking) Net Fund Based income 2,902.7 2,888.1 (0.5)% 3,037.1 5.2% 3,088.9 1.7%
Slide 65: Group Gross Loans by quarter
Group Gross Loans by quarter RM million 1QFY13 2QFY13 3Q FY13 4QFY13 QoQ* Group Gross Loans 322.0 331.9 339.6 361.8 6.6% Malaysia (RM billion) 202.4 209.2 212.8 223.6 5.1% Community Financial 138.9 143.1 146.8 151.9 3.5% Services Global Banking 63.6 66.1 65.9 71.7 8.7% International (RM billion) 116
Slide 66: Domestic Gross Loans by quarter
Domestic Gross Loans by quarter RM billion 1QFY13 2QFY13 3Q FY13 4QFY13 QoQ** Community Financial 138.9 143.1 146.8 151.9 3.5% Services Consumer 111.4 114.6 117.8 121.9 3.5% Total Mortgage 49.6 50.9 52.2 53.8 3.1% Auto Finance 32.0 32.9 34.0 35.0 3.0% Credit Cards 5.3 5.4 5.4 5.6 2.7% Unit Trust 23.
Slide 67: Gross Deposits by quarter
Gross Deposits by quarter RM million 1QFY13 2QFY13 3Q FY13 4QFY13 QoQ* Group Gross Deposits 355.4 372.5 377.9 395.6 4.7% Malaysia (RM billion) 230.4 241.7 246.1 259.1 5.3% Savings Deposits 36.9 37.3 37.3 37.6 0.8% Current Accounts 56.4 56.5 63.0 65.8 4.5% Fixed Deposits 118.3 125.7 131.5 138.3 5.2%
Slide 68: Key Ratios by quarter
Key Ratios by quarter (%) 1Q FY13 2Q FY13 3Q FY13 4QFY13 QoQ** Net Interest Margins 2.49 2.44 2.40 2.38 2 bps Return on Equity * 14.2 14.7 16.2 15.9 (30 bps) Fee to Income Ratio 33.0 38.5 37.0 34.1 (2.9%) Loans-to-Deposit Ratio 89.0 87.5 88.2 89.9 1.70% Cost to Income Ratio # 49.4 46.8 45.8 49.6 (3.
Slide 69: Malayan Banking Berhad Contact Details
Humanising Financial Services Across Asia 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 Mohamed Rafique Merican Group Chief Financial Officer Contact: (6)03-2074 7878 Email: rafique
Malayan Banking Berhad (Maybank) — FY2013 Earnings Presentation on 6ix