Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — Maybank — J.P. Morgan ASEAN Financials Forum 2026

35 slides from Malayan Banking Bhd's conference presentation, Jun 15, 2026

  1. Slide 1: Investor Presentation - J.P. Morgan ASEAN Financials Forum

    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 the permi

  2. Slide 2: Table of Contents

    Table of Contents Maybank’s ROAR30 Strategy 2–6 Executive Summary: 1Q FY2026 8 – 14 Financial Performance: 1Q FY2026 16 – 22 Appendix: Group Performance 24 – 33 1

  3. Slide 3: Our Reimagined Purpose Will Set Us Apart through Values-based Offerings

    Our Reimagined Purpose Will Set Us Apart through Values-based Offerings… Our Purpose Values-based offerings and sustainability principles as HUMANISING FINANCIAL SERVICES an overarching theme Deliver Exceptional Experiences Impact Society Positively Power the Real Economy Our Business at Scale Leadi

  4. Slide 4: …for Our Customers, Society and the Real Economy

    …for Our Customers, Society and the Real Economy Deliver Exceptional Experiences Impact Society Positively Power the Real Economy For our Customers For the Communities For the Economies we are In Lead in quality-of-service Champion for good Uplift key drivers of real economies Digital-first omnichan

  5. Slide 5: Technology Investments Will Yield Both Immediate and Longer-Term Returns

    Technology Investments Will Yield Both Immediate and Longer-Term Returns Technology investment ​Modernise The Core ~RM10 billion  Multi-year regional projects beyond 2030  Regional hybrid data center setup (on prem/cloud) Rapid development for short to Quick-win  Fortifying security landscape, pr

  6. Slide 6: Charting A Clear Pathway to Profitability; ROE Set to Rise to 13%-14%

    Charting A Clear Pathway to Profitability; ROE Set to Rise to 13%-14% Reshaping the Growth Investment Business Model ​+ ≤1.0% ​- ≤1.0% ​13% -14% ​+ ≤1.0% 11.5% ​~2% ​+ ≤1.0% ​ M2025 9 ​ ssets & A ​Cost Optimisation & ​NOII ​ echnology T ​ 030 2 Current State ​Liabilities ​Strategic Capital Improveme

  7. Slide 7: Key Financial Performance Indicators

    Key Financial Performance Indicators 2025 2030 Target FY2020- Actual FY2025 2030 Target Return on equity 11.7% 13%-14% ~4% 5%-6% Net operating CAGR CAGR income growth FY2020-2025 FY2025- 2030 Net interest margin 2.05% >2.05% ~3% 5%-6% Overseas, ex-MY 48.8% ≤47% CAGR CAGR Cost-to-income ratio income

  8. Slide 8: Table of Contents

    Table of Contents Maybank’s ROAR30 Strategy 2–6 Executive Summary: 1Q FY2026 8 – 14 Financial Performance: 1Q FY2026 16 – 22 Appendix: Group Performance 24 – 33 7

  9. Slide 9: 1Q FY2026: Resilient Earning Underpinned by Higher NIM and Disciplined Cost

    1Q FY2026: Resilient Earning Underpinned by Higher NIM and Disciplined Cost; with Sound Capital and Liquidity 1 2 3 Resilient earnings, with net NIM improved to 2.14%, Cost well contained, with profit of RM2.48 billion and driven by better funding mix operating expenses down ROE at 11.2%, supported

  10. Slide 10: 1Q FY2026: Financial Performance Summary (1/2)

    1Q FY2026: Financial Performance Summary (1/2) Net Return on Profitability Profit Equity (ROE) RM2.48 bil 11.2% Net profit of RM2.48 billion with ROE at 11.2% reflecting  (4.2)% YoY  (0.1) p.p. YoY resilient earnings despite lower markets-related income  (7.3)% QoQ  (0.7) p.p. QoQ Net Operating

  11. Slide 11: 1Q FY2026: Financial Performance Summary (2/2)

    1Q FY2026: Financial Performance Summary (2/2) Group CASA Liquidity Coverage Liquidity Ratio Ratio (LCR) 1 CASA grew across home markets (MY: 6.3%; SG: 1.3%; ID: 34.3%) with CASA ratio 41.1% ▪ 133.3% improving to 41.1%  4.5 p.p. YoY  (2.4) p.p. YoY ▪ Healthy liquidity with LCR at 133.3% and NSFR o

  12. Slide 12: Driving Measurable Impact Through Sustainable Finance

    Driving Measurable Impact Through Sustainable Finance Delivering Measurable Social Advancing the Sustainability Agenda Impact Sustainable Finance RM 11.12 bil 2026 Target: RM49 bil Announced a refreshed Honoured with four Launched a strategic EV 2030 Target: RM300 bil (cumulative) target to mobilise

  13. Slide 13: Encouraging Momentum Driven by Broad-based Growth, Scaling Towards Regional and Global Leadership

    Encouraging Momentum Driven by Broad-based Growth, Scaling Towards Regional and Global Leadership Our Business at Scale 1Q FY2026 Key Achievements Global Islamic Finance institution Takaful Net Written Islamic CIB Income – MY Contribution Accelerating momentum in Islamic wealth and Halal ecosystem,

  14. Slide 14: Balanced Economic Outlook with Stable Loan Growth Across Key Home Markets

    Balanced Economic Outlook with Stable Loan Growth Across Key Home Markets Malaysia Singapore Indonesia 2026 Forecast Previous Current Change 2026 Forecast Previous Current Change Forecast Previous Current Change (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) GDP 5.1% 4.4%  GDP 3.6% 4.2%  GDP 5.2%

  15. Slide 15: Resilient Performance Amid Heightened Geopolitical Uncertainties; Increased Caution on Full-Year Outlook

    Resilient Performance Amid Heightened Geopolitical Uncertainties; with Increased Caution on Full-Year Outlook 1Q FY2026 FY2026 Indicators Actual Guidance Return on Equity 11.2% ≥11.8% Cost to Income Ratio 49.9% ≤49% Net Credit Charge Off (NCC) Rate 10 bps ~ 20 bps Group Loans Growth (YoY) 1 0.9% 4%

  16. Slide 16: Table of Contents

    Table of Contents Maybank’s ROAR30 Strategy 2–6 Executive Summary: 1Q FY2026 8 – 14 Financial Performance: 1Q FY2026 16 – 22 Appendix: Group Performance 24 – 33 15

  17. Slide 17: Net Fund Based Income Supported by NIM Expansion Amid Mixed Loans Growth

    Net Fund Based Income Supported by NIM Expansion Amid Mixed Loans Growth Across Home Markets Net Fund Based Income Net Interest Margin (NIM) QTD  3.2%  (4.2)% (Ann.) 1Q’26 vs 1Q’25 1Q’26 vs 4Q’25 Trend 2.09% 2.14% 2.04% 2.00% 2.02% 1Q'25 2Q'25 3Q'25 4Q'25 1Q'26 5-Year Trend (YTD) RM billion 4.95 5

  18. Slide 18: Core NoII Resilient, Supported by Strong Wealth Fees, IB Related Fees

    Core NoII Resilient, Supported by Strong Wealth Fees, IB Related Fees and Higher Global Markets Sales Non-Interest Income (NoII) 1Q FY2026 YoY Performance  (28.0)%  (9.0)% 1Q’26 vs 1Q’25 1Q’26 vs 4Q’25 ▪ Core fees grew 11.9% YoY, supported by higher wealth fees and IB related fees 2.76 2.18 1.99 ▪

  19. Slide 19: Insurance & Takaful Earnings Supported by Investment Income

    Insurance & Takaful Earnings Supported by Investment Income, Despite Lower Underwriting Contributions Group Insurance & Takaful Key Drivers • PBT increased marginally YoY on improved investment income. PBT 1 This was driven by higher gains from equity portfolio disposal  1.9% • Underwriting income

  20. Slide 20: Prudent Cost Management Delivered Lower Cost by 5.3% YoY and 3.1% QoQ

    Prudent Cost Management Delivered Lower Cost by 5.3% YoY and 3.1% QoQ CIR and Costs 48.5% 48.7% 49.9%  (5.3)%  (3.1)% 1Q’26 vs 1Q’25 1Q’26 vs 4Q’25 3.74 3.66 3.55 0.77 0.70 0.69 0.17 0.17 0.14 0.60 0.68 0.65 RM billion 2.20 2.11 2.06 1Q FY2025 4Q FY2025 1Q FY2026 Personnel Costs Establishment Cost

  21. Slide 21: Sustainable YoY CASA Growth Across Home Markets with Higher Group CASA Ratio

    Sustainable YoY CASA Growth Across Home Markets with Higher Group CASA Ratio at 41.1% Deposits YTD Ann. Growth Liquidity Indicators Group Malaysia (MY) Singapore (SG) Indonesia (IDN)  (6.3)%  (3.3)%  (6.9)%  7.8% 135.7% 138.2% 731.0 719.5 133.3% Others 95.5 94.0  (6.3)% 481.0 476.9 115.9% 116.6

  22. Slide 22: Asset Quality Remains Manageable with Prudent Overlays Maintained

    Asset Quality Remains Manageable with Prudent Overlays Maintained Loan ECL, NCC and LLC Gross Impaired Loans (GIL) Group GIL Volume and Ratio Country GIL Volume and Ratio P&L ECL  >100%  26.2% 4.09% (RM billion) 1Q’26 vs 4Q’25 3.78% 3.85% 1Q’26 vs 1Q’25 1.34% 1.27% 1.28% 1.15% 1.25% 1.33% 0.38 0.4

  23. Slide 23: Capital Remains Sound As RWA Optimisation Efforts Continue

    Capital Remains Sound As RWA Optimisation Efforts Continue Capital Ratios Mar’26 Mar’26 Group Bank vs vs Growth (%) Mar’25 Dec’25 (YoY) (QoQ) 17.96% 19.05% 18.47% 16.97% 17.97% 17.13% 15.50% Group Loans 0.9% (0.3)% 15.24% 15.33% 14.21% 14.16% 14.01% 14.88% 15.13% 14.96% 14.00% 13.93% 13.79% Total Gr

  24. Slide 24: Table of Contents

    Table of Contents Maybank’s ROAR30 Strategy 2–6 Executive Summary: 1Q FY2026 8 – 14 Financial Performance: 1Q FY2026 16 – 22 Appendix: Group Performance 24 – 33 23

  25. Slide 25: International & Malaysia Portfolio Mix 1Q FY2026

    International & Malaysia Portfolio Mix 1Q FY2026 Net Operating Income Profit Before Tax Group Loans* 2.7% 1Q FY2026 5.0% 5.1% 1.3% (Jan 26 – Mar 26) 7.5% 4.5% 21.5% Overseas: RM7.10 RM3.29 Overseas: 25.1% RM684.5 21.5% Overseas: 34.1% billion 25.5% billion 34.6% billion 65.9% 65.4% 74.5% Malaysia Si

  26. Slide 26: Segmental Business Portfolio Mix 1Q FY2026

    Segmental Business Portfolio Mix 1Q FY2026 Net Operating Income Profit Before Tax Group Loans* 1Q FY2026 4.2% 7.6% (Jan 26 – Mar 26) 34.6% 36.6% RM7.10 RM3.29 RM684.5 billion 40.4% billion 52.0% billion 59.2% 65.4% Group Community Financial Services Group Global Banking Group Insurance & Takaful 1Q

  27. Slide 27: Group Loans Growth: 31 March 2026

    Group Loans Growth: 31 March 2026 % of 31 Mar 2026 31 Dec 2025 QoQ YTD Annualised 31 Mar 2025 YoY Portfolio Group Loans 684.5 686.5  (0.3)%  (1.2)% 678.7  0.9% Malaysia (RM billion) 66% 448.5 444.4  0.9%  3.7% 425.2  5.5% Community Financial Services (rebased) 71% 320.2 317.3  0.9%  3.6% 303

  28. Slide 28: Malaysia Loans Growth: 31 March 2026

    Malaysia Loans Growth: 31 March 2026 % of RM billion 31 Mar 2026 31 Dec 2025 QoQ YTD Annualised 31 Mar 2025 YoY Portfolio Community Financial Services (rebased) 71% 320.2 317.3  0.9%  3.6% 303.0  5.7% Consumer 62% 278.8 276.1  1.0%  4.0% 262.3  6.3% Total Mortgage 37% 169.8 167.3  1.5%  6.0%

  29. Slide 29: Singapore Loans Growth: 31 March 2026

    Singapore Loans Growth: 31 March 2026 % of SGD billion 31 Mar 2026 31 Dec 2025 QoQ YTD Annualised 31 Mar 2025 YoY portfolio Community Financial Services 58% 31.3 31.0  1.1%  4.2% 28.3  10.6% Consumer 44% 23.7 23.6  0.2%  1.0% 22.1  7.5% Mortgage 28% 15.1 15.2  (1.2)%  (4.7)% 14.4  4.7% Auto

  30. Slide 30: Indonesia Loans Growth: 31 March 2026

    Indonesia Loans Growth: 31 March 2026 % of IDR trillion 31 Mar 2026 31 Dec 2025 QoQ YTD Annualised 31 Mar 2025 YoY portfolio Community Financial Services 71% 88.8 87.6  1.3%  5.3% 84.3  5.3% Consumer 38% 48.0 47.9  0.1%  0.6% 46.1  4.1% Mortgage 13% 16.8 17.0  (1.2)%  (4.8)% 17.0  (1.2)% Au

  31. Slide 31: Group Deposits Growth: 31 March 2026

    Group Deposits Growth: 31 March 2026 % of 31 Mar 2026 31 Dec 2025 QoQ YTD Annualised 31 Mar 2025 YoY Portfolio Group Deposits 719.5 731.0  (1.6)%  (6.3)% 744.9  (3.4)% Total CASA 295.6 296.0  (0.1)%  (0.5)% 272.6  8.4% Total Fixed Deposits 329.8 339.5  (2.8)%  (11.4)% 377.3  (12.6)% Malaysi

  32. Slide 32: LDR and CASA Ratio

    LDR and CASA Ratio Malaysia Group LCR * NSFR LDR CASA 135.7% 138.1% 141.2% 138.2% 133.3% 115.9% 117.3% 117.9% 116.6% 113.3% 93.5% 93.0% 94.6% 92.4% 92.7% 92.1% 93.8% 94.9% 90.9% 90.2% 39.9% 41.1% 42.2% 41.9% 43.2% 43.1% 43.9% 36.6% 37.8% 40.5% Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Mar 2025 Ju

  33. Slide 33: 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 1.05% 1.06% 4.08% 0.97% 1.64% 3.97% 3.98% 4.04% 0.91% 0.89% 1.65% 3.84% 1.51% 1.55% 1.46% 0.86% 1.43% 1.30% 1.39% 1.38% 1.44% 0.59% 0.59% 0.59% 0.62% 0.76% 0.77% 0.82% 0.57% 0.74% 0.53% 0.53% 0.5

  34. Slide 34: Key Operating Ratios

    Key Operating Ratios % 1Q 1Q 4Q YoY QoQ FY2026 FY2025 FY2025 Return on Equity 1 11.2 11.3  (0.1) 11.9  (0.7) 1 Net Interest Margin 2.14 2.04  0.10 2.09  0.05 Fee to Income Ratio 28.0 35.8  (7.8) 29.0  (1.0) 2 Loans-to-Deposit Ratio 94.9 90.9  4.0 93.8  1.1 Cost to Income Ratio 49.9 48.5  1.

  35. Slide 35: Htunantsin

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

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