Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — Shareholder Meeting (April 2025)
17 slides from Malayan Banking Bhd's shareholder meeting presentation, Apr 24, 2025
Slide 1: 65th Annual General Meeting
65 ANNUAL th GENERAL MEETING Presentation by President and Group Chief Executive Officer, Khairussaleh Ramli WITH AGILITY Thursday, 24 April 2025 0
Slide 2: 2024: Delivered Positive Impacts Across Financials and Values Metrics
2024: Delivered Positive Impacts Across Financials and Values Metrics Record-Breaking Financials Strong Shareholder Returns Values Driven Impacts Strong net operating income of 8.1% Highest dividend payout M25+: Strengthened fundamentals RM29.57 billion ALL-TIME HIGH RM7.36 billion Transforming in
Slide 3: 2024: Record Net Profit of RM10.09 billion, up 7.9% YoY
2024: Record Net Profit of RM10.09 billion, up 7.9% YoY on Net Operating Income Growth of 8.1% to RM29.57 billion Net profit improved on higher income and lower provisions RM billion FY2023 FY2024 YoY Net Operating Income 27.36 29.57 8.1% Net Fund Based Income 19.30 19.69 2.0% Non-interest Incom
Slide 4: Income Lifted by Strong Core Fees and Healthy Loans Growth (1/2)
Income Lifted by Strong Core Fees and Healthy Loans Growth (1/2) Strong income growth Strong net operating income Healthy loans growth across retail, non-retail and global banking segments; RM29.57 billion ALL-TIME HIGH NIM stable from 3Q FY2024 on stronger CASA growth 8.1% YoY Net Fund Based Inco
Slide 5: Income Lifted by Strong Core Fees and Healthy Loans Growth (2/2)
Income Lifted by Strong Core Fees and Healthy Loans Growth (2/2) Strong income growth Strong net operating income NOII driven by higher fees income from wealth and investment banking (IB) as RM29.57 billion ALL-TIME HIGH well as income from global markets and insurance 8.1% YoY Fees-to-income rati
Slide 6: Cost Increase Slowed to 8.0% in FY2024 with Positive JAWs
Cost Increase Slowed to 8.0% in FY2024 with Positive JAWs Contained cost growth Overhead expenses Cost increase YoY slowed to 8.0% vs. 11.8% in FY2023 and 11.2% in FY2022. Stable CIR RM14.46 billion of 48.9%. Achieved positive JAWs as income growth surpassed cost increases 8.0% YoY 48.9% RM billio
Slide 7: Improved Asset Quality with Strong Provision Coverage
Improved Asset Quality with Strong Provision Coverage Resilient Asset Quality Improved NCC on stronger bad debt recoveries Improved asset quality Maintained management overlay of RM1.7 billion, with 65% allocated to CFS and RSME portfolios NCC: 26 bps LOWEST SINCE 2015 GIL was lower due to higher ba
Slide 8: Dividend Payout Grew to RM7.36 billion; Robust Capital Levels
Dividend Payout Grew to RM7.36 billion; Robust Capital Levels Strong Returns Highest dividend per share post pandemic at 61.0 sen (full cash) with total payout Highest dividend payout of RM7.36 billion. Total shareholder’s return grew to 22.13% from 9.29% in 2023 Dividend Capital Levels Robust capit
Slide 9: M25+ Progress: Good Traction Recorded Across Super Growth Areas
M25+ Progress: Good Traction Recorded Across Super Growth Areas FY2024 Progress SP5 Supercharge overall wealth management via retail Total Islamic M25+: Agile Transformation investment tools, go-to market outreach and digital platforms Wealth SP7 Wealth Fees Wealth Fees To be a values-driven platfor
Slide 10: M25+: Strengthened Foundation for Growth Beyond 2025
M25+: Strengthened Foundation for Growth Beyond 2025 On Track to Meet Targets FY2023 FY2024 M25+ actual actual Targets Financials 2-3x Income growth (%) 3.3 8.1 FY2021-FY2025 CAGR ~7 Overseas income growth (%) 8.6 7.6 FY2022-FY2025 CAGR Fee to income ratio (%) 29.5 33.4 ~32 ~7 Loans growth (%) 9.2 5
Slide 11: Purposeful Banking: Driving Sustainability and Values-Based Banking in ASEAN
Purposeful Banking: The Driving Force For Sustainability and Values-Based Banking in ASEAN Exceeded Our Targets Leading Transition Finance Developments and Conversations Sustainable Finance Launched White Papers Automobile Power Steel FY2024 FY2025 (cumulative) Set interim emissions targets for 6 se
Slide 12: Purposeful Banking: Drove Social Impact for Customers & Communities in ASEAN
Purposeful Banking: Drove Social Impact for Our Customers & Communities in ASEAN Uplifted 1.28 million lives across ASEAN through social financing and social empowerment investments, totaling RM12.36 billion in 2024 Social Financing Social Empowerment (Beyond Banking) – Social Impact Investment Affo
Slide 13: Elevated Customer Experience Through Higher NPS of +43; Stronger Digital Penetration
Elevated Customer Experience as Demonstrated Through Higher NPS of +43 (vs+37); Stronger Digital Penetration Enhanced Customer Journey Tech Governance Intensified customer-centricity with unique Enhanced technology offerings and improved accessibility governance Greater Digital Usage Hyper-personali
Slide 14: Empowered A Purpose-Driven Workforce
Empowered A Purpose-Driven Workforce Nurtured Next-Gen Talents Thriving in Diversity Refined Succession Pipeline Gender Diversity Leadership series, including Strategic Investment in • Strategic Talent Accelerated Talent Development 56.4% of our workforce are women Readiness RM139.50 million senior
Slide 15: Gained Good Momentum in FY2024; Reaching for Greater Heights
Gained Good Momentum in FY2024; Reaching for Greater Heights 10.8% 11.1% 9.8% 9.6% 24.2% Return Core NOII 20.1% 3.1% 8.1% (7.9)% (2.8)% on Growth Equity 9.2% 5.7% 6.0% 5.3% Cost to 48.9% 48.9% Loans 0.0% Income 45.3% 45.3% 45.2% Growth Ratio (YoY) Net Credit (88) CET 1 15.40% 15.34% 14.90% Charge Ca
Slide 16: FY2025 Outlook: Cautiously Optimistic on Pockets of Opportunities in Regional Markets
FY2025 Outlook: Cautiously Optimistic on Pockets of Opportunities in Regional Markets Against Global External Headwinds Slower ASEAN-6 Economic 2025 Guidance Growth on Tariff Uncertainty • ASEAN-6 real GDP growth forecasts lowered to 4.2% in 2025 (from 4.7%) • Bigger downgrades for Singapore, Malays
Slide 17: Htunantsin
Htunantsin Financial Services Maybank @Mymaybank £) @Maybank & @Mymaybank (in) @Maybank
Malayan Banking Berhad (Maybank) — Shareholder Meeting (April 2025) on 6ix