Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — 9M FY2014 Earnings Presentation
62 slides from Malayan Banking Bhd's earnings presentation, Nov 26, 2014
Slide 1: Investor Presentation: Financial Results 3Q FY2014 & 9M FY2014
Humanising Financial Services Investor Presentation Financial Results 3Q FY2014 & 9M FY2014 ended 30 September 2014 26 November 2014 www.maybank.com 0
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 8 Prospects & Outlook 27 Appendix: Business Sector Review 1. Community Financial Services 30 2. Global Banking 36 3. Maybank Singapore 42 4. Bank Internasional Indonesia 45 5. Other segments 49 6. Affiliates 55 7. Quarterly Financial Summar
Slide 3: Results Overview (1/2)
Results Overview (1/2) Improved quarter with net profit of RM1.61 bil and a 9M YTD net profit of RM4.79 bil Stronger QoQ performance contributed by: Stronger 3Q FY14 performance vs 2Q • Higher net fund based income by 2.7% FY14 • Lower impairment losses by 60.5% • Higher core non-interest income b
Slide 4: Results Overview (2/2)
Results Overview (2/2) Positive traction on deposits in 3Q, with annualised growth picking up to 8.3% Faster loan growth in 3Q, compared with 1H driven by: Improved loan • Malaysia YTD Sept FY14 annualised growth to 5.0% (1H FY14: 2.5%), with a pick up in growth in 3Q FY14 both consumer and corpor
Slide 5: Summary of 3Q & 9M FY2014 Performance (1/2)
Summary of 3Q & 9M FY2014 Performance (1/2) Where we have done well…. ● Loan growth on a YoY basis ahead of system in home markets: Malaysia (ex-Labuan), Singapore & Loan growth Indonesia ● Consumer franchise ahead of system, with consumer loan growth by market: – Malaysia 10.2% (Industry: 9.8%) – S
Slide 6: Summary of 3Q & 9M FY2014 Performance (2/2)
Summary of 3Q & 9M FY2014 Performance (2/2) Where we have not done well…. Key priorities ahead 1 ● Lower YoY income growth, due to lower non-interest income by -12.3% YoY Continue traction on consumer franchise in key markets – Investment & trading income -36.2% YoY – Foreign exchange profit -79.8%
Slide 7: FY2014 Group Targets
FY2014 Group Targets Group performance in line with industry indicators and trends Annualised YoY Peer Key Performance FY2014 1Q 2Q 3Q 9M Industry Industry Average Maybank Indicators Targets FY2014* FY2014* FY2014* FY2014* Average^ Average ** Headline KPI Return on Equity* Est.14.0% 13.8% 13.4% 13.5
Slide 8: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 8 Prospects & Outlook 27 Appendix: Business Sector Review 1. Community Financial Services 30 2. Global Banking 36 3. Maybank Singapore 42 4. Bank Internasional Indonesia 45 5. Other segments 49 6. Affiliates 55 7. Quarterly Financial Summar
Slide 9: P&L Summary: 3Q FY2014
P&L Summary: 3Q FY2014 Third quarter net profit at RM1.61 bil supported by higher fund based income and lower impairment costs 3Q FY13 RM million 3Q FY14 3 YoY 2Q FY14 QoQ (restated) Net interest income 2,461.6 2,392.9 2.9% 2,407.4 2.3% Net Fund based income (Islamic Banking) 758.0 644.1 17.7% 727.2
Slide 10: Fee based Income: 3Q FY2014 – QoQ
Fee based Income: 3Q FY2014 – QoQ Core fee income increased by 2.3% QoQ due to higher commission, service charges and fees & foreign exchange profit 1Q FY14 2Q FY14 3Q FY14 1Q FY14 Commission & service charges 541 571 622 2Q FY14 Brokerage income & 10.8% 2.3% 14.9% 6.2% 149 214 214 3Q FY14 underwrit
Slide 11: Business Segment Performance: 3Q FY2014 – QoQ
Business Segment Performance: 3Q FY2014 – QoQ Fee-based income at RM1.4 bil for 3Q FY14 supported by improvement in the Global Banking businesses Fee-based Income 1Q FY14 2.6% -2.0% 2Q FY14 1,345 1,318 3Q FY14 1,311 Global Banking (GB) 10.4% 23.8% 4.2% -3.8% 14.7% 16.1% -20.9% 57.7% 42.5% 7.5% -5.8%
Slide 12: Unaudited Income Statement for Insurance and Takaful Business – QoQ
Unaudited Income Statement for Insurance and Takaful Business – QoQ RM million 1Q FY14 2Q FY14 3Q FY14 QoQ 3Q FY13 YoY Interest income 233.2 254.3 236.3 (7.1)% 227.3 4.0% Interest expense (5.1) (6.3) (8.6) 36.0% (5.0) 73.1% Net interest income 228.1 247.9 227.7 (8.2)% 222.3 2.4% Net income from insu
Slide 13: P&L Summary: 9M FY2014
P&L Summary: 9M FY2014 PATAMI of RM4.79bil for the 9M YTD period, slower due to lower fee based income 9M ended Sep FY13 RM million 9M ended Sep FY14 3 YoY (restated) Net interest income 7,261.8 7,201.8 0.8% Net Fund based income (Islamic Banking) 2,216.7 1,626.1 36.3% Net Fund Based income 9,478.5
Slide 14: International & Domestic Portfolio Mix 9M FY2014
International & Domestic Portfolio Mix 9M FY2014 YTD Sept 2014 overseas contribution to PBT at 27.3% Net Income Profit Before Tax Gross loans* 9M FY14 8.7% 7.5% 11.9% 12.2% 2.2% 7.6% 13.2% RM13.45b RM6.68b RM388.12b 16.0% 23.5% 64.3% 60.2% 72.7% Overseas: Overseas: Overseas: 35.7% 27.3% 39.8% Malays
Slide 15: Business Segment Performance: 9M FY2014 (1/2)
Business Segment Performance: 9M FY2014 (1/2) Global Banking business most impacted by slower market activity Net Income 9 Months ended 30 Sep 2013 - 2.9% 9 Months ended 30 Sep 2014 13,85313,452 Global Banking (GB) -0.6% 3.0% 4.6% -0.9% -8.4% 5.9% -1.2% (RM million) 5,401 5,565 3,975 4,209 1,675 1,7
Slide 16: Business Segment Performance: 9M FY2014 (2/2)
Business Segment Performance: 9M FY2014 (2/2) CFS and international see higher fund based income growth due to loan activity Net Fund Based Income +7.4% 7.4% 9,479 9 Months ended 30 Sep 2013 8,828 Global Banking (GB) -3.5% 9 Months ended 30 Sep 2014 4.2% -1.8% -5.6% -10.4% 11.4% 4.0% (RM million) 4,
Slide 17: Fee based Income: 9M FY2014 – YoY
Fee based Income: 9M FY2014 – YoY Core fee income decreased by 12.3% YoY due to slower capital market activity 9 Months ended 30 Sep 2013 9 Months ended 30 Sep 2014 -12.3% 4,555 3,993 2.7% -36.2% 212.3% -79.8% -2.2% -453.0% -36.8% 2,575 2,644 (RM million) 1,124 932 717 394 277 189 170 166 249 (246)
Slide 18: Group Loans Growth: 30 Sep 2014
Group Loans Growth: 30 Sep 2014 Group loan growth gained strong momentum in 3Q, led by our international markets, in particular Singapore YTD 30 Sep 14 31 Dec 13 30 Sep 13 YoY Annualised Group Gross Loans * 388.1 361.8 9.7% 339.6 14.3% Malaysia (RM billion)** 232.0 223.6 5.0% 212.7 9.1% Community Fi
Slide 19: Malaysia Loans Growth: 30 Sep 2014
Malaysia Loans Growth: 30 Sep 2014 Consumer loan growth continue to hold up while Global Banking loan growth gained traction from 2Q YTD RM billion 30 Sep 14 31 Dec 13 30 Sep 13 YoY Annualised Community Financial Services (Reported) 162.7 151.9 9.5% 146.8 10.9% Community Financial Services (Re-based
Slide 20: Group Deposit Growth: 30 Sep 2014
Group Deposit Growth: 30 Sep 2014 Group deposit growth sustained in 3Q despite industry conditions YTD 30 Sep 14 31 Dec 13 30 Sep 13 YoY Annualised Group Gross Deposits 420.2 395.6 8.3% 377.9 11.2% Malaysia 277.7 259.1 9.6% 246.1 12.8% (RM billion) Savings Deposits 38.0 37.6 1.5% 37.3 1.9% Current A
Slide 21: LDR and CASA Ratio: 30 Sep 2014
LDR and CASA Ratio: 30 Sep 2014 CASA ratio contracts marginally, as Group offsets tight deposit market with other sources of funding Group Malaysia LDR CASA 88.2% 89.9% 91.0% 90.6% 90.6% 86.6% 87.8% 87.9% 86.8% 83.9% 40.7% 39.9% 40.0% 39.9% 38.1% 36.1% 36.1% 35.8% 35.7% 34.5% Sep-13 Dec-13 Mar-14 Ju
Slide 22: Overheads: 9M FY2014
Overheads: 9M FY2014 Group CIR still within internal threshold, despite tighter income growth Group overheads composition 9M ended 9M ended (RM million) YoY 3Q FY2014 2Q FY2014 QoQ Sep FY2014 Sep FY2013 Personnel costs 3,667.5 3,735.3 (1.8)% 1,287.5 1,142.8 12.7% IT Expenses 376.4 485.6 (22.5)% 116.
Slide 23: Key Operating Ratios
Key Operating Ratios Stable operating ratios, despite slower industry trends 1Q FY14 2Q FY14 3Q FY14 3Q FY13 Variance Variance 9M FY14 (%) YoY QoQ Return on Equity 13.8 13.4 13.5 16.2 (2.7)% 0.1% 13.4 Net Interest Margin 2.37 2.35 2.31 2.39 (8 bps) (4 bps) 2.34 Fee to Income Ratio 29.6 30.0 29.0 37.
Slide 24: Asset Quality: 9M FY2014
Asset Quality: 9M FY2014 Group GIL at 1.65% as at end Sept 2014, lower than the corresponding period in 2013 Allowance for losses on loans Group Impaired Loans Ratio Allowances for losses on loans Gross Impaired Loans Ratio (%) Loan loss coverage Net Impaired Loans Ratio (%) 1.90 1.89 784.1 1.86 1.8
Slide 25: Asset Quality by Market
Asset Quality by Market Malaysia GIL and Singapore GIL improves YoY, while Indonesia GIL improved from June 2014 Malaysia Singapore BII Group Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) 0.42 3.53 3.32 2.15 2.04 2.98 0.29 0.29 1.69 1.77 2.81 0.26 0.26 1.71 0.24 0.22 0.21 2.15 1.29 1.3
Slide 26: Group Capital Adequacy: 30 Sep 2014
Group Capital Adequacy: 30 Sep 2014 Total capital ratio at 16.08% (assuming 85% dividend reinvestment rate) and CET1 at 11.33% After proposed After proposed After proposed Before dividend, assuming dividend, based on dividend, assuming proposed 85% reinvestment BNM’s Implementation 85% reinvestment
Slide 27: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 8 Prospects & Outlook 27 Appendix: Business Sector Review 1. Community Financial Services 30 2. Global Banking 36 3. Maybank Singapore 42 4. Bank Internasional Indonesia 45 5. Other segments 49 6. Affiliates 55 7. Quarterly Financial Summar
Slide 28: Market Outlook
Market Outlook Key developments for 4Q FY2014 and 2015 Key Indicators Outlook • GDP(f) 6.0% (2013: 4.7%) • Economic growth to taper due to slower domestic • System loan(f) 8.7% consumption • System deposit(f) 7-8% • Uptick in inflation rate to 4.5%-5.0% due to fuel subsidy • OPR 3.25% (2013: 3.00%)
Slide 29: Outlook for 4Q FY14
Outlook for 4Q FY14 GUIDANCE AT 1H FY2014 OUTLOOK • Aim to stay focused on income forecast & tight ROE • Estimated at 14% cost management and ROE range expected in the range of 13%-14% • Loans growth expected to be in • Continued traction on loan growth from Group Loans Growth line with target drive
Slide 30: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 8 Prospects & Outlook 27 Appendix: Business Sector Review 1. Community Financial Services 30 2. Global Banking 36 3. Maybank Singapore 42 4. Bank Internasional Indonesia 45 5. Other segments 49 6. Affiliates 55 7. Quarterly Financial Summar
Slide 31: CFS Domestic Market Share (1/5)
CFS Domestic Market Share (1/5) Strong funding franchise and financing position in domestic market Q3’14 MBB Q4’11 Q4’12 Q4’13 Q1’14 Q2’14 Q3’14 vs Rank ^ Q2’14 Deposits Total Deposits 17.4% 17.1% 18.5% 18.2% 18.2% 19.1% 1 Total Core Retail Deposits 18.1% 18.3% 19.0% 19.0% 19.2% 19.3% 2 Retail CASA
Slide 32: Community Financial Services (2/5)
Community Financial Services (2/5) Growth in HNW and Affluent customer segments sustained with continued refinement of segment-led business model and tactical campaigns HNW & Affluent Customer TFA grew 11.8% (Ann.) with higher product cross sell ratio 145.3 Continued to grow at double digit with TFA
Slide 33: Community Financial Services (3/5)
Community Financial Services (3/5) Loan expanded by 9.9% (annualised) despite intense market competition Overall loans growth for CFS grew 9.9% (Ann.) to Consumer loans grew 9.9% (Ann.) to RM131.3 billion RM162.7 billion 162.7 131.3 128.4 159.4 154.5 124.9 151.9 121.9 122.2* 17.3% 151.4* 146.8 17.2%
Slide 34: Community Financial Services (4/5)
Community Financial Services (4/5) Amid stiff rate competition to attract depositors, CFS deposit grew by 10.0% (annualised) CFS Deposits grew 10.0% (Ann.) driven by consumer, Consumer Deposits grew at 8.7% (Ann.) SME and BB deposit growth 178.7 114.1 112.4 111.0 Deposit 174.2 107.5 105.4 107.2* CFS
Slide 35: Community Financial Services (5/5)
Community Financial Services (5/5) CFS GIL remains within the internal threshold with consumer GIL at 0.5%, lowest in the industry CFS GIL maintained at 2.2% from a year ago Consumer GIL declined YoY to 0.5%, the lowest in the industry 3,658 3,282 685 670 667 659 620 2.2% 2,838 2,872 2.2% 2,813 0.6%
Slide 36: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 8 Prospects & Outlook 27 Appendix: Business Sector Review 1. Community Financial Services 30 2. Global Banking 36 3. Maybank Singapore 42 4. Bank Internasional Indonesia 45 5. Other segments 49 6. Affiliates 55 7. Quarterly Financial Summar
Slide 37: Global Banking (1/5)
Global Banking (1/5) Corporate banking loans lower by 4.4% (annualised) as at end September 2014 Total GB loans lower by 4.4% (ann.) to RM69.2 billion Trade Finance market share ¹ but grew 5.1% YoY 27.1% RM billion 25.6% 25.5% 25.4% 34.7 24.8% Term Loan -0.6% (Ann.) 34.9 +3.9% (YoY) 33.4 Sep-13 Dec-
Slide 38: Global Banking (2/5)
Global Banking (2/5) Global Markets’ business regionally saw PBT growth of 11.1% YoY for 9M FY2014 PBT and Revenue grew by 11.1% and 7.4% YoY Group Securities Portfolio grew 12.8% YoY respectively Net interest income +12.8% YoY Non-interest income 107.8 102.3 101.0 7.4% 95.5 96.4 11.8 11.1% 10.6 8.7
Slide 39: Global Banking (3/5)
Global Banking (3/5) Regional ranking for bonds and equities continue to improve Regional League Table – Equities Sep 2014 Dec 2013 Dec 2012 Ranking Advisor Ranking Advisor Ranking Advisor HSBC 1 1 UBS 1 UBS Bank Goldman Credit JP 2 2 2 Sachs Suisse Morgan Bank of JP Morgan 3 3 3 America Morgan Stan
Slide 40: Global Banking (4/5)
Global Banking (4/5) Maybank Kim Eng’s 9M FY2014 total income registered at RM956.9mil 9M FY2014 Total Income (RM’Mil) Total income contracted YoY by 8.4% driven by a decline in Hong Kong, equities (-15%) but offset by an increase in IB&A of 17% Others, Philippines, RM27.5 (5%) RM26.0 (4%) RM26.8 (5
Slide 41: Global Banking (5/5)
Global Banking (5/5) Maybank Kim Eng achieved the Top 3 position in ASEAN Equity Capital Market and Debt Capital Market League Tables ASEAN IB&A League Tables – As at September 20141 Market Share - ECM Volume (USD'Mil)3 Market Share - DCM + Loans (USD'Mil) UBS 10.0% 2,063 HSBC 8.4% 13,828 Maybank 6.
Slide 42: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 8 Prospects & Outlook 27 Appendix: Business Sector Review 1. Community Financial Services 30 2. Global Banking 36 3. Maybank Singapore 42 4. Bank Internasional Indonesia 45 5. Other segments 49 6. Affiliates 55 7. Quarterly Financial Summar
Slide 43: Maybank Singapore (1/2)
Maybank Singapore (1/2) Loans increased by 14.9% (annualised) as at September, spurred by stronger lending to businesses (+15.6%) Diversified Loan Portfolio Loans portfolio expanded by 14.9% (annualised) to 14.9% annualised reach S$34.5 billion as at September 2014 28.4 31.0 34.5 Other (Consumer)
Slide 44: Maybank Singapore (2/2)
Maybank Singapore (2/2) PBT rose 5.6% YoY to S$328 million as fund-based income improved 23% (SGD mil) 9M FY2014 9M FY2013 YoY Net Fund Based income 379.50 308.72 22.9% Net Fee Based income 217.69 202.28 7.6% Net income 597.18 511.00 16.9% Overhead expenses 254.01 224.83 13.0% Operating profit 343.1
Slide 45: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 8 Prospects & Outlook 27 Appendix: Business Sector Review 1. Community Financial Services 30 2. Global Banking 36 3. Maybank Singapore 42 4. Bank Internasional Indonesia 45 5. Other segments 49 6. Affiliates 55 7. Quarterly Financial Summar
Slide 46: Bank Internasional Indonesia (1/3)
Bank Internasional Indonesia (1/3) 9M FY14 PATAMI impacted by increasing provisions for selected corporate debtors (IDR bil) 9M FY14 9M FY13 YoY 3Q14 2Q14 QoQ • BII’s 9M FY14 PPOP saw an increase of 7% from Rp1.92 trillion to Rp 2.05 trillion Net Fund Based income 4,328 4,135 5% 1,375 1,506 (9)% • H
Slide 47: Bank Internasional Indonesia (2/3)
Bank Internasional Indonesia (2/3) Loans expanded by 3.3% (annualised) as at September 2014 Loans composition (Consolidated) Net Interest Margin (Consolidated) IDR trillion +14.1% (YoY) +3.4 % (Ann.) 102.0 104.6 91.7 80.9 35.8 39.8 33.8 28.3 5.73% 32.0 35.3 38.9 5.11% 5.20% 4.63% 27.1 25.5 25.9 30.9
Slide 48: WOM Finance (3/3)
WOM Finance (3/3) Higher YoY revenues by 5.0% on the back of improved consumer financing and unit financing Revenue and PBT (Rp Billion) Unit Financing (unit) (Stand Alone) (Consolidated) +5.0% +11.7% 1,237 438 1,178 +11.2% 392 -10.0% 318 286 60 54 +13.2% 106 120 YTD Sept'13 YTD Sept'14 New Used Tot
Slide 49: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 8 Prospects & Outlook 27 Appendix: Business Sector Review 1. Community Financial Services 30 2. Global Banking 36 3. Maybank Singapore 42 4. Bank Internasional Indonesia 45 5. Other segments 49 6. Affiliates 55 7. Quarterly Financial Summar
Slide 50: Islamic Banking (1/2)
Islamic Banking (1/2) Total income grew YoY by 22.0% on the back of higher fund based income Group Islamic Banking Income Maybank Islamic: Total Gross Financing grew by 20.1% 9M ended 9M ended (annualised) to RM99.98 bil YoY RM million Sep FY14 Sep FY13 Growth 23% Fund based income 2,216.7 1,626.1
Slide 51: Islamic Banking (2/2)
Islamic Banking (2/2) Maybank Islamic market share for financing continues to improve at 31.6% as at September 2014 Maybank Islamic Market Share (Malaysia) Market Share Sep-14 Sep-13 35.0% 31.1% 31.6% Automobile financing 38.3% 33.3% 30.6% 30.7% 28.9% Home Financing 25.0% 22.6% 30.0% 28.1% Term fina
Slide 52: Insurance and Takaful (1/2)
Insurance and Takaful (1/2) Market share retained for General and Life & Family Insurance & Takaful - By Line of Business By Channel Market Share INSURANCE & TAKAFUL INSURANCE & TAKAFUL ( against SPLY) Banca 3rd ( against SPLY) Party 0.9% (-7.5%) Life Banca Agency 20.7%(1) 25.2% Maybank 35.6% Genera
Slide 53: Insurance and Takaful (2/2)
Insurance and Takaful (2/2) Total assets grew by 13.3% annualised Gross Premium Life / Family (New Business) Market Share AIA Ins. & Tak. 16.9% GE Ins. & Tak. 15.0% No. 4 in Life/Family Prudential Ins. & Tak. 13.8% (New Business) Etiqa Ins. & Tak. 10.4% 0.0% 5.0% 10.0% 15.0% 20.0% General Insurance
Slide 54: Maybank Philippines
Maybank Philippines Increase in PBT driven by higher net interest income, particularly income from loans Key Highlights Revenue and PBT PBT increased by 31.2% YoY contributed by higher NII +19.0% YoY NII increased mainly due to higher income from loans and lower interest expenses. NIM improved b
Slide 55: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 8 Prospects & Outlook 27 Appendix: Business Sector Review 1. Community Financial Services 30 2. Global Banking 36 3. Maybank Singapore 42 4. Bank Internasional Indonesia 45 5. Other segments 49 6. Affiliates 55 7. Quarterly Financial Summar
Slide 56: An Binh Bank
An Binh Bank PBT of VND213.6 billion impacted by lower investment and trading income Key Highlights Revenue and PBT PBT declined by 31.5% YoY due to higher credit 9.9% YoY provisioning required upon transfer of loans to Vietnam Asset Management Company (VAMC) 1,210.5 1,101.7 Revenue VND Bil Inco
Slide 57: MCB Bank
MCB Bank PBT grew by 6.3% YoY due to higher total income Key Highlights Revenue and PBT • Revenue grew by 12.2% or PKR4.6 billion YoY on the back of higher net interest income by PKR3.5 +12.2% YoY 42.0 billion and non interest income by PKR1.0 billion 37.4 6.3% YoY • PBT increased by 6.3% YoY or PKR
Slide 58: Table of Contents
Table of Contents Executive Summary 2 Financial Performance 8 Prospects & Outlook 27 Appendix: Business Sector Review 1. Community Financial Services 30 2. Global Banking 36 3. Maybank Singapore 42 4. Bank Internasional Indonesia 45 5. Other segments 49 6. Affiliates 55 7. Quarterly Financial Summar
Slide 59: Group Gross Loans by quarter
Group Gross Loans by quarter 31-Mar-14 30-Jun-14 30-Sep-14 QoQ Group Gross Loans * 366.6 375.3 388.1 3.4% Malaysia (RM billion)** 223.2 226.4 232.0 2.5% Community Financial Services 154.5 159.4 162.7 2.1% Global Banking 68.6 67.0 69.3 3.4% International 139.9 144.7 151.7 4.8% (RM billion) Singapore
Slide 60: Malaysia Gross Loans by quarter
Malaysia Gross Loans by quarter RM billion % of Portfolio 31-Mar-14 30-Jun-14 30-Sep-14 QoQ Community Financial Services (Reported) 70.1% 154.5 159.4 162.7 2.1% Community Financial Services 154.5 159.4 162.7 2.1% (Re-based*) Consumer (Reported) 80.7% 124.9 128.4 131.3 2.3% Consumer (Re-based*) 124.9
Slide 61: Group Deposits by quarter
Group Deposits by quarter % of Portfolio 31-Mar-14 30-Jun-14 30-Sep-14 QoQ Group Gross Deposits 395.7 406.5 420.2 3.4% Malaysia 66% 258.2 265.1 277.7 4.8% (RM billion) Savings Deposits 14% 39.1 38.7 38.0 (2.0)% Current Accounts 24% 64.0 67.1 67.9 1.1% Fixed Deposits 50% 136.6 137.4 139.7 1.6% Others
Slide 62: 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 Mohamed Rafique Merican Group Chief Financial Officer Contact: (6)03-2074 7878 Email: rafique@maybank.com
Malayan Banking Berhad (Maybank) — 9M FY2014 Earnings Presentation on 6ix