Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — Investor Day (March 2023)

20 slides from Malayan Banking Bhd's investor day presentation, Mar 24, 2023

  1. Slide 1: Maybank Investor Day: Group Community Financial Services (GCFS)

    Highly Confidential 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 syst

  2. Slide 2: GCFS is a Key Business Sector of Maybank Serving 15.6 Million Customers

    GCFS is a Key Business Sector of Maybank, Offering Holistic Financial Solutions to 15.6 million Customers Across Eight Markets 94.6% 5.1% 0.3% Retail/ Individual Customers Retail Business Banking Serving… (Mass, Emerging Affluent, Affluent and High Net-Worth) SME (includes SME Plus) Across… 8 Market

  3. Slide 3: GCFS' Focused Execution Enabled Sustained Growth and Resilience

    GCFS’ Focused and Targeted Execution Over The Years Has Enabled Sustained Growth and Resilience Throughout The Pandemic GCFS’ Revenue GCFS’ PPOP (RM billion) CAGR (RM billion) CAGR +4.9% +5.5% +16.5% +1.8% -6.4% +8.8% +19.0% 16.4 -1.3% -9.5% +16.6% 13.5 13.8 12.9 14.1 7.8 6.3 6.2 6.6 Net Fund 5.7 12

  4. Slide 4: Strong GCFS Revenue Increase Driven by Loans Growth and Better NIM

    Strong GCFS Revenue Increase Driven by Loans Growth and Better NIM FY2022 Revenue by Key Business Segment FY2022 Revenue by Country SME Business Banking Malaysia Singapore RM2.9 billion RM2.0 billion  22.3% YoY  8.9% YoY ~RM12bil ~RM2bil  5.1% CAGR  1.3% CAGR  23.2% YoY  4.5% YoY  7.5% CAGR 

  5. Slide 5: Solid Consumer Franchise and Growing Non-Retail Segment Drive Loan Growth

    Solid Consumer Franchise and Growing Non-Retail Segment Drive Loan Growth FY2022 GCFS Loans by Business Segment FY2022 GCFS Loans by Country Business Banking  3.4% YoY  0.5% CAGR Malaysia Singapore SME 12.2% ~RM278bil ~SGD25bil  9.0% YoY  7.2% YoY  0.3% YoY  6.4% CAGR  6.5% CAGR  2.2% CAGR 9

  6. Slide 6: Resilient Franchise Demonstrates CASA Strength

    Resilient Franchise Demonstrates CASA Strength, as CASA Ratios in Home Markets Remain Above Pre-Pandemic Levels FY2022 GCFS Deposits Composition FY2022 GCFS Deposits by Country Malaysia Singapore ~RM252bil ~SGD31bil  3.1% YoY  -1.0% YoY  5.9% CAGR  -0.3% CAGR FD & Others RM383bil CASA 48.4%  3.

  7. Slide 7: In Malaysia, Maybank Maintains Leadership Position in Core Portfolios

    In Malaysia, Maybank Maintains Leadership Position in Core Portfolios Portfolio Market Share AUTO MORTGAGE SME RETAIL CASA CREDIT CARDS 30.4% 14.8% 21.1% 17.9% 25.0% (Retail Hire Purchase) (Receivables) Individuals: 12.1mil Customer Base SMEs: 764k (Industry ~1.2mil) Leading in Digital space Mobile

  8. Slide 8: Enhanced CX in 2022 via Digital Innovations, Differentiated Offerings and Sustainable Solutions

    Enhanced CX in 2022 via Digital Innovations, Differentiated Offerings and Sustainable Solutions Driving Growth with Innovation and Differentiated CX Notable Awards in 2022 • Maybank Home2u, Malaysia’s first-ever digital home financing solution providing approval in 10 seconds within completion of ap

  9. Slide 9: From Good to Great - within banking and beyond banking

    From Good to Great - within banking and beyond banking 9

  10. Slide 10: Maybank's Corporate Strategy M25+ Focuses on Five Strategic Thrusts

    Maybank’s Corporate Strategy M25+ Reinforces The Push For Differentiation and Focuses on Five Strategic Thrusts … Strategic Thrusts M25+ 1 Full agile and iterative Minimum Viable Product Intensify Customer Centricity (MVP) approach, through customer journeys and imagining end-state model 2 End-to-en

  11. Slide 11: Driven by 12 Strategic Programmes (SPs)

    …Driven by 12 Strategic Programmes (SPs) PMO Institutionalise Group-wide Programme Management Office Go beyond rigorous progress tracking, managing interdependencies and problem resolution to ensure full infusion of ethical banking, regional integration, cross-sector collaboration and Agile ways of

  12. Slide 12: GCFS Will Drive Two SPs and Collaborate on Five SPs

    GCFS Will Drive Two SPs and Collaborate on Five SPs to Deliver Customer-Centric Solutions and Help The Group Achieve Its M25+ Targets Key Focus for 2023 and Beyond Strategic Programmes (SPs) SP3 Reimagine the Consumer Banking Customer Journey • Reimagine customer journey across key life milestones;

  13. Slide 13: Trusted Business Partner for Non-Retail Customers (1/2)

    To Be Our Non-Retail Customers’ Trusted Business Partner By Offering Differentiated Propositions for Their Various Growth Milestones (1/2) Enhance CX and Reimagine Customer’s Journey Across Growth Milestones FY2022 Non-Retail Within Banking - Lending and Beyond Lending (Business Banking & SME) Loans

  14. Slide 14: Trusted Business Partner for Non-Retail Customers (2/2)

    To Be Our Non-Retail Customers’ Trusted Business Partner By Offering Differentiated Propositions for Their Various Growth Milestones (2/2) Enhance CX and Reimagine Customer’s Journey Across Growth Milestones FY2022 Non-Retail Beyond Banking (Business Banking & SME) Loans by Country To orchestrate an

  15. Slide 15: Deepening Relationships with Retail Customers (1/2)

    To Deepen Our Relationships with Retail Customers By Offering Within & Beyond Banking Solutions (1/2) FY2022 Mortgage and Auto Loans Enhance CX and Reimagine Customer Journey Across Key Life Milestones by Country Drive Portfolio Growth and Enhance CX Singapore 24.7% 2.6% Indonesia  Balanced growth

  16. Slide 16: Deepening Relationships with Retail Customers (2/2)

    To Deepen Our Relationships with Retail Customers By Offering Within & Beyond Banking Solutions (2/2) FY2022 Mortgage and Auto Loans Enhance CX and Reimagine Customer Journey Across Key Life Milestones by Country Beyond Lending & Beyond Banking Singapore Establish an integrated ecosystem that connec

  17. Slide 17: Holistic Wealth Solutions Tailored to Customer Profiles

    Strengthening Client Relationships by Offering Holistic Wealth Solutions Tailored to Customer Profiles, Leveraging Digital Capabilities & Analytics Group Wealth Management TFA Wealth Management Income Group Wealth Management (RM billion) (RM billion) AUM ranking CAGR +6.1% +5.5% Fund Based Income 78

  18. Slide 18: Drive Leadership in Promoting Sustainable Solutions

    Drive Leadership in Promoting Sustainable Solutions for Retail and Non- Retail Customers in Line with Group’s Regional ESG Leadership Aspiration Maybank’s Updated M25+ C1 - Mobilising RM80 billion in Sustainable C2 - Improving The Lives of Two Million Households Sustainability Targets Finance by 202

  19. Slide 19: Improve Asset Quality Through Proactive Management and Credit Discipline

    Improve Asset Quality Through Proactive Management and Continued Discipline in Credit Origination GCFS’ Gross Impaired Loans Ratio (GILR) 1.7% 1.8% 1.7% Focus for FY2023 and Beyond 1.3% 1.1% 2018 2019 2020 2021 2022 Discipline in Credit Origination • Periodic review and update of lending guidelines

  20. Slide 20: Thank you

    Thank you Humanising Financial Services 20

Malayan Banking Berhad (Maybank) — Investor Day (March 2023) on 6ix