Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — 1H FY2026 Earnings Presentation

47 slides from Malayan Banking Bhd's earnings presentation, Aug 27, 2026

  1. Slide 1: Investor Presentation: Financial Results First Half FY2026

    Public Disclaimer: The contents of this document/information remain the intellectual property of Maybank and no part of this is to be reproduced or transmitted in any form or by any means, including electronically, photocopying, recording or in any information storage and retrieval system without th

  2. Slide 2: President & Group CEO Presentation

    President & Group CEO Presentation Executive Summary 2-7 1

  3. Slide 3: 1H FY2026: Building on a Solid First-Half Performance

    1H FY2026: Building on a Solid First-Half Performance 1 2 3 Resilient earnings of Stronger 2Q NoII and net Asset quality remained RM5.17 bil and ROE of 11.6%, profit momentum lifted 1H resilient, supported by supported by NIM performance comfortable LLC coverage improvement to 2.12% 4 5 Sustainable

  4. Slide 4: 1H FY2026: YoY Financial Highlights

    1H FY2026: YoY Financial Highlights Net Profit ROE Resilient Strong Core Earnings Profitability • Solid fundamentals underpinned by 2.5% growth in net fund-based RM5.17 bil 11.6% income, supported by NIM improvement, and 12.1% growth in core fees  (0.9)%  0.1 p.p. Income Margin NIM Expansion Suppo

  5. Slide 5: ROAR30: Broad-Based Growth Driving Regional Leadership

    ROAR30: Broad-Based Growth Driving Regional Leadership Key Achievements (YoY) Global Islamic Finance institution Islamic CIB Halal NOC MY, Takaful Net Written Scaling Islamic Wealth and Takaful through strategic Income – MY SG, ID Contribution partnerships and the Halal ecosystem to drive AUM and 

  6. Slide 6: ROAR30: Advancing our Technology Transformation to Unlock Future Growth

    ROAR30 : Advancing our Technology Transformation to Unlock Future Growth OUR PROGRESS ACROSS KEY TECH PILLARS 2030 Outcome Modular & cloud-ready 30% faster feature rollout & 20% Modernise ▪ Modernising core for regional growth: regional core banking and payments cheaper the Core platform. Technology

  7. Slide 7: Driving Measurable Impact Through Sustainability and Sustainable Finance

    Driving Measurable Impact Through Sustainability and Sustainable Finance Delivering Impact via: Advancing the Sustainability Agenda Social Finance RM 12.86 bil Named World’s Best Bank for Corporate Responsibility, with additional 2026 Target: RM18 bil p.a. accolades as Asia’s Best Bank for ESG and D

  8. Slide 8: Healthy Economic Growth Supports Banking Growth

    Healthy Economic Growth Supports Banking Growth Malaysia Singapore Indonesia 2026 Forecast Previous Current Change 2026 Forecast Previous Current Change 2026 Forecast Previous Current Change (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) GDP 4.4% 5.3%  GDP 4.2% 5.2%  GDP 5.0% 5.3%  System loans

  9. Slide 9: Group CFO Presentation

    Group CFO Presentation 1H FY2026 Financial Performance 9 - 18 8

  10. Slide 10: 2Q FY2026: YoY and QoQ Financial Highlights

    2Q FY2026: YoY and QoQ Financial Highlights Net Profit ROE NIM CIR Loans RM2.69 bil 12.0% 2.10% 49.1% RM695.9 bil  8.5% QoQ  0.8 p.p. QoQ  (0.04) p.p. QoQ  (0.8) p.p. QoQ  1.7% QoQ  2.4% YoY  0.4 p.p. YoY  0.10 p.p. YoY  (0.2) p.p. YoY  2.7% YoY Deposits CASA ratio GIL LLC Group CET1 RM734

  11. Slide 11: NIM Expansion with Loans Growth Across Home Markets

    NIM Expansion with Loans Growth Across Home Markets Net Fund Based Income Net Interest Margin (NIM) QTD (Ann.)  1.9%  (1.7)%  2.5% Trend 2.09% 2.14% 2.10% Excl FX impact:  4.0% Excl FX impact:  (1.6)% Excl FX impact:  4.7% 2.00% 2.02% 2Q’26 vs 2Q’25 2Q’26 vs 1Q’26 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26

  12. Slide 12: Strong Core Fees Amid Market Volatility

    Strong Core Fees Amid Market Volatility Non-Interest Income (NoII) & NoII to Income % 1H FY2026 YoY Performance 35.8% 28.0% 33.1% 35.8% 30.6% ▪ Core fees1 grew by 12.1%, supported by wealth and IB  (9.6)%  25.0%  (18.8)% related fees 2Q’26 vs 2Q’25 2Q’26 vs 1Q’26 5.51 ▪ Wealth management fees ros

  13. Slide 13: Stronger Investment Income Cushions Underwriting Pressure

    Stronger Investment Income Cushions Underwriting Pressure Group Insurance & Takaful Key Drivers • PBT increased on higher investment income driven by improved PBT equity market conditions but was moderated by lower income  12.8% from underwriting 638.30 • Underwriting income dropped due to higher c

  14. Slide 14: Disciplined Cost Management Ahead of Increased Technology Investments

    Disciplined Cost Management Ahead of Increased Technology Investments CIR and Costs 49.3% 49.9% 49.1% 48.9% 49.5%  (2.5)%  4.1% 2Q’26 vs 2Q’25 2Q’26 vs 1Q’26  (3.9)% 3.79 3.55 3.69 7.53 7.23 0.78 0.69 0.77 1.56 1.46 0.16 0.14 0.12 0.33 0.26 0.59 0.65 0.70 1.19 1.35 RM billion 2.25 2.06 2.10 4.45

  15. Slide 15: Broad-Based CASA Growth Drives Higher Group CASA Ratio of 41.5%

    Broad-Based CASA Growth Drives Higher Group CASA Ratio of 41.5% Deposits YTD Ann. Growth Liquidity Indicators Group Malaysia (MY) Singapore (SG) Indonesia (IDN)  1.0%  0.3%  2.5%  13.7% 138.1% 731.0 734.5 133.3% 130.0% Others 96.5 95.5  2.2% 481.8 481.0 117.3% 124.0 113.3% 113.4% 116.0 Fixed 99

  16. Slide 16: Prudent Risk Management Supported by Comfortable Overlay Buffers

    Prudent Risk Management Supported by Comfortable Overlay Buffers Loan ECL, NCC and LLC Gross Impaired Loans (GIL) Group GIL Volume and Ratio Country GIL Volume and Ratio P&L ECL  (26.0)%  (35.3)%  (1.2)% 2Q’26 vs 2Q’25 2Q’26 vs 1Q’26 (RM billion) 1.34% 1.35% 1.30% 4.02% 3.85% 3.66% 1.18% 1.33% 1.

  17. Slide 17: Sound Capital Position Reflects Ongoing Balance Sheet Discipline

    Sound Capital Position Reflects Ongoing Balance Sheet Discipline Capital Ratios Jun’26 Jun’26 Group Bank vs vs Growth (%) Jun’25 Mar’26 (YoY) (QoQ) 17.93% 18.47% 18.68% 16.43% 17.13% 18.25% Group Loans 2.7% 1.7% 15.04% 15.33% 15.29% 13.75% 14.01% 14.56% 14.68% 14.96% 14.92% 13.53% 13.79% 14.32% Tota

  18. Slide 18: Maybank 30.95% Acquisition of MAHB, Target Completion by Sep 2026

    Maybank 30.95% Acquisition of MAHB, Target Completion by Sep 2026 Strategic rationale Proposed Acquisition Maybank, through Etiqa International Holdings Sdn. Bhd. (EIH), to acquire 30.95% stake comprising 78,001,229 ordinary Strengthen MAHB as a national insurance and shares in Maybank Ageas Holding

  19. Slide 19: Resilient Results, Cautious Outlook

    Resilient Results, Cautious Outlook 1H FY2026 FY2026 Indicators Actual Guidance Return on Equity 11.6% ≥11.8% Cost to Income Ratio 49.5% ~ 49% Net Credit Charge Off (NCC) Rate 1 20 bps ~ 20 bps Group Loans Growth (YoY) 2 2.7% 4% - 5% Net Interest Margin (NIM) 2.12% 2.05% - 2.10% Note: 1 NCC is on a

  20. Slide 20: Table of Contents

    Table of Contents Executive Summary 2–7 1H FY2026 Financial Performance 9 – 18 Appendix: 1. Group Performance 20 – 35 2. Business/Country Performance 37 - 45 19

  21. Slide 21: P&L Summary: 1H FY2026

    P&L Summary: 1H FY2026 1H 1H 2Q 1Q 2Q RM million YoY QoQ YoY FY2026 FY2025 FY2026 FY2026 FY2025 Net fund based income * 10,137.9 9,887.0  2.5% 5,026.0 5,111.9  (1.7)% 4,934.5  1.9% Non-interest income * 4,473.0 5,509.6  (18.8)% 2,485.3 1,987.6  25.0% 2,749.9  (9.6)% Net operating income 14,610

  22. Slide 22: International & Malaysia Portfolio Mix 1H FY2026

    International & Malaysia Portfolio Mix 1H FY2026 Net Operating Income Profit Before Tax Group Loans* 0.8% 1H FY2026 5.5% 4.7% 3.0% (Jan 26 – Jun 26) 7.5% 4.5% 21.6% Overseas: 21.5% RM14.61 Overseas: RM6.93 Overseas: 25.1% RM695.9 33.7% billion 25.4% billion 35.1% billion 66.3% 64.9% 74.6% Malaysia S

  23. Slide 23: Segmental Business Portfolio Mix 1H FY2026

    Segmental Business Portfolio Mix 1H FY2026 Net Operating Income Profit Before Tax Group Loans* 1H FY2026 4.8% 8.7% (Jan 26 – Jun 26) 36.6% 41.9% RM14.61 RM6.93 RM695.9 38.0% billion billion billion 57.2% 49.4% 63.4% Group Community Financial Services Group Global Banking Group Insurance & Takaful 1H

  24. Slide 24: Group Loans Growth: June 2026

    Group Loans Growth: 30 June 2026 % of 30 Jun 2026 31 Mar 2026 QoQ 31 Dec 2025 YTD Annualised 30 Jun 2025 YoY Portfolio Group Loans 695.9 684.5  1.7% 686.5  2.7% 677.6  2.7% Malaysia (RM billion) 65% 452.7 448.5  0.9% 444.4  3.7% 429.3  5.5% Community Financial Services (rebased) 72% 327.5 323.

  25. Slide 25: Malaysia Loans Growth: June 2026

    Malaysia Loans Growth: 30 June 2026 % of RM billion 30 Jun 2026 31 Mar 2026 QoQ 31 Dec 2025 YTD Annualised 30 Jun 2025 YoY Portfolio Community Financial Services 72% 327.5 323.5  1.2% 320.7  4.2% 311.0  5.3% (rebased) Consumer 63% 285.2 282.1  1.1% 279.4  4.1% 269.8  5.7% Total Mortgage 38% 17

  26. Slide 26: Singapore Loans Growth: June 2026

    Singapore Loans Growth: 30 June 2026 % of SGD billion 30 Jun 2026 31 Mar 2026 QoQ 31 Dec 2025 YTD Annualised 30 Jun 2025 YoY portfolio Community Financial Services 52% 28.5 28.2  0.9% 28.0  3.5% 26.5  7.4% Consumer 44% 23.9 23.7  0.7% 23.6  1.9% 22.5  6.0% Mortgage 27% 14.9 15.1  (1.4)% 15.2

  27. Slide 27: Indonesia Loans Growth: June 2026

    Indonesia Loans Growth: 30 June 2026 % of IDR trillion 30 Jun 2026 31 Mar 2026 QoQ 31 Dec 2025 YTD Annualised 30 Jun 2025 YoY portfolio Community Financial Services 54% 71.1 70.6  0.6% 70.5  1.6% 69.2  2.8% Consumer 37% 48.2 48.0  0.4% 47.9  1.1% 46.6  3.5% Mortgage 13% 16.6 16.8  (1.3)% 17.0

  28. Slide 28: Group Deposits Growth: June 2026

    Group Deposits Growth: 30 June 2026 % of 30 Jun 2026 31 Mar 2026 QoQ 31 Dec 2025 YTD Annualised 30 Jun 2025 YoY Portfolio Group Deposits 734.5 719.5  2.1% 731.0  1.0% 749.7  (2.0)% Total CASA 304.8 295.6  3.1% 296.0  6.0% 283.3  7.6% Total Fixed Deposits 333.2 329.8  1.0% 339.5  (3.7)% 373.9

  29. Slide 29: LDR and CASA Ratio

    LDR and CASA Ratio Malaysia Group LCR * NSFR LDR CASA 138.1% 141.2% 138.2% 133.3% 130.0% 117.3% 117.9% 116.6% 113.3% 113.4% 94.6% 94.5% 92.7% 93.5% 93.0% 92.1% 93.8% 94.9% 94.7% 90.2% 41.9% 43.2% 43.1% 43.9% 44.0% 37.8% 39.9% 40.5% 41.1% 41.5% Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Jun 2025 Se

  30. Slide 30: RWA Optimisation and Funding Management

    RWA Optimisation and Funding Management Group Loans & Group RWA Funding Breakdown Market RWA Operational RWA Credit RWA Gross Loans 695.9 Borrowings and Capital 677.6 684.5 Instruments by Currency FI Deposits, 5% 454.6* 436.4* 440.5* Equity, 10% 21.5 USD, 29% 20.8 20.9 51.4 Repo, 3% 52.2 52.2 Borrow

  31. Slide 31: Asset Quality

    Asset Quality Allowances for losses on loans GIL Ratio Composition P&L ECL 2Q 3Q 4Q 1Q 2Q 1H 1H Jun Sep Dec Mar Jun (RM million) FY2025 FY2025 FY2025 FY2026 FY2026 FY2025 FY2026 2025 2025 2025 2026 2026 Stage 1, net (89) 26 199 (155) (227) (219) (382) Non Performing Loans 0.95% 0.90% 0.87% 0.95% 0.9

  32. Slide 32: Asset Quality by Line of Business in Home Markets

    Asset Quality by Line of Business in Home Markets Consumer GIL Ratios Mortgage Auto Finance Credit Cards 1.06% 1.16% 3.97% 4.22% 1.05% 0.97% 3.98% 4.04% 0.89% 1.51% 1.65% 1.55% 1.52% 3.84% 1.46% 0.94% 1.39% 1.38% 1.44% 0.59% 0.62% 0.64% 0.82% 0.86% 1.30% 1.29% 0.59% 0.59% 0.74% 0.77% 0.08% 0.07% 0.0

  33. Slide 33: Specific Asset Exposures as of 30 June 2026

    Specific Asset Exposures as of 30 June 2026 Oil & Gas Loan and Fixed Income Securities Exposures Real Estate Loan Exposure to Non-Retail Borrowers to Non-Retail Malaysian Borrowers Country Exposure Borrowers’ Status 21.4% High Rise Residential RM44.2 billion 11.9% Landed Residential Malaysia 1.42% M

  34. Slide 34: Dividend: 1H FY2026

    Dividend: 1H FY2026 First interim dividend of 31 sen per share, of which 5 sen is electable under DRP Dividend Policy Min 40% 87.8% 91.2% 87.5%^ 78.1% 78.5% 84.5% 77.4% 77.3% 73.0% 72.4% 72.5% Dividend Payout Ratio 100% 88% 100% 100% 100% 84% 67% 63% 53% Cash Component of 27% 34% Total Dividend 64.0

  35. Slide 35: Income Statement for Insurance and Takaful Business

    Income Statement for Insurance and Takaful Business 1H 1H 2Q 1Q 2Q RM million YoY QoQ YoY FY2026 FY2025 FY2026 FY2026 FY2025 Net interest income 822.0 843.4  (2.5)% 422.1 399.9  5.5% 425.5  (0.8)% Insurance/takaful service result 450.1 638.7  (29.5)% 205.1 245.0  (16.3)% 284.4  (27.9)% Other o

  36. Slide 36: Key Operating Ratios

    Key Operating Ratios % 1H 1H 2Q 1Q 2Q YoY QoQ YoY FY2026 FY2025 FY2026 FY2026 FY2025 1 Return on Equity 11.6 11.5  0.1 12.0 11.2  0.8 11.6  0.4 Net Interest Margin 1 2.12 2.02  0.10 2.10 2.14  (0.04) 2.00  0.10 Fee to Income Ratio 30.6 35.8  (5.2) 33.1 28.0  5.1 35.8  (2.7) Loans-to-Deposit

  37. Slide 37: Table of Contents

    Table of Contents Executive Summary 2–7 1H FY2026 Financial Performance 9 – 18 Appendix: 1. Group Performance 20 – 35 2. Business/Country Performance 37 - 45 36

  38. Slide 38: Market Share Overview for Community Financial Services Malaysia

    Market Share Overview for Community Financial Services Malaysia Market share Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Loans Total consumer 19.5% 19.6% 19.6% 19.8% 19.8% Auto (Retail Hire Purchase) 29.0% 28.9% 28.6% 28.3% 28.1% Total mortgage * 16.5% 16.6% 16.7% 16.7% 16.8% Credit cards ** 21.4% 21.5% 22.1

  39. Slide 39: Sustained Digital Banking Leadership with Strong Digital Transaction Growth

    Sustained Digital Banking Leadership with Strong Digital Transaction Growth Data as at Jun 2026 From Malaysia’s digital transaction volume Group (i.e.: MY, SG, ID, PH, KH) In Malaysia: SME Digital Financing Mobile & Internet Mobile Internet 3-month Active Users RM4.80 bil approved loans since its la

  40. Slide 40: Overview: Group Wealth Management & Group Securities Portfolios

    Overview: Group Wealth Management & Group Securities Portfolios Group Wealth Management Group Securities Portfolio Total Financial Assets grew 2.6% YoY to RM568.89 billion on investments and loans growth Group Securities Portfolio¹ decreased 6.4% YoY and 4.2% QoQ  2.6% YoY 265.8  1.8% QoQ 259.9 25

  41. Slide 41: Overview of Group Investment Banking Portfolio

    Overview of Group Investment Banking 1 Portfolio 1H FY2026 Total Income Breakdown by Country 1H FY2026 Fee Based Income for Malaysia Hong Kong Indonesia Philippines Others 1.9% Underwriting commission 5.1% 0.3% 16.0% Arranger and upfront fees Vietnam 1.5% 9.8% 4.7% Brokerage income Malaysia Placemen

  42. Slide 42: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance1 Maybank Islamic: Total Financing2 grew 7.6% YoY to RM330.1 billion Jun 25 1H 1H RM million YoY 10.5% FY2025 FY2026 Jun 26 Net Operating Income 4,442.0 4,715.6  6.2% 5.6% Profit Before Tax and Zakat 2,297.9 2,388.2 

  43. Slide 43: Islamic Banking: Market Share

    Islamic Banking: Market Share Maybank Islamic Market Share1 Market Share by Key Products (Malaysia)1 30.9% 31.0% 31.1% 30.9% 30.9% 41.9% 28.8% 30.0% Automobile Home Term 27.9% 27.9% 27.6% 27.0% Financing Financing Financing 26.7% Jun 26 Jun 26 Jun 26 Jun 25: 43.3% Jun 25: 28.0% Jun 25: 30.8% Jun 25

  44. Slide 44: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Net Adjusted Premium/Contribution General Insurance and Takaful Market Share (Malaysia) Single Premium  13.0% 16.9% 15.8% 16.3% 15.9% Regular Premium  25.7% 10.7% 11.3% 12.0% 12.2% No. 1 Credit Premium  (13.5)% in General 7.2% 7.7% 8.1% 8.1% Insurance a

  45. Slide 45: Maybank Singapore: P&L Summary

    Maybank Singapore: P&L Summary 1H 1H 2Q 1Q SGD million YoY QoQ FY2026 FY2025 FY2026 FY2026 Net fund based income 453.30 382.19  18.6% 207.12 246.17  (15.9)% Non-interest income 299.77 286.81  4.5% 165.66 134.12  23.5% Net income 753.07 669.00  12.6% 372.78 380.29  (2.0)% Overhead expenses (327

  46. Slide 46: Maybank Indonesia: P&L Summary and Financial Ratios

    Maybank Indonesia: P&L Summary and Financial Ratios 1H 1H 2Q 1Q Key Operating IDR billion YoY QoQ Jun 25 Dec 25 Jun 26 YoY FY2026 FY2025 FY2026 FY2026 Ratios Net Fund Based income 3,712 3,574  3.9% 1,897 1,815  4.5% Profitability & Efficiency Non-Interest income 923 975  (5.4)% 521 402  29.6% RO

  47. Slide 47: Htunantsin

    Htunantsin Financial Services Maybank @Mymaybank Cf) @Maybank x) @Mymaybank in) @Maybank

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