Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — Shareholder Meeting (April 2016)
12 slides from Malayan Banking Bhd's shareholder meeting presentation, Apr 7, 2016
Slide 1: 56th Annual General Meeting
Humanising Financial Services 56th Annual General Meeting Presentation to Shareholders Questions from the Minority Shareholder Watchdog Group (MSWG) 7 April 2016 0 0
Slide 2: Q1: Increase in net impairment allowances on loans
1. The net allowances for impairment losses on loans, advances, financing and other debts increased by RM1.28 billion or 320.5% from RM400.4 million in FY2014 to RM1.68 billion in FY2015. What are the breakdown of the impaired loans in term of single customer or sectorial and what was the reason for
Slide 3: Q2: Impaired loans and Oil & Gas risk management
2. The Group’s impaired loans, advances and financing under the electricity, gas and water supply has increased from RM187.6 million in FY2014 to RM631.5 million in FY2015, an increase of RM443.9 million or 236.6%. Please brief on the risk management process for the Oil & Gas (“O&G”) sector and woul
Slide 4: Risk management process for O&G similar to other sectors
The risk management process for O&G is similar to the risk management practises adopted for other sectors. However, extra attention and deeper evaluation will be carried out for loans in sectors that are affected by uncertainties and/or unfavourable industry outlook, such as the oil and gas sector g
Slide 5: O&G exposure governed by concentration risk policy
As mentioned, our exposure to the O&G sector, which includes borrowers from the entire O&G supply chain, is also governed by the Group policy on concentration risk by sector and adheres to an internal credit exposure cap for this sector. Our impairment practises are also guided by the Maybank Group
Slide 6: O&G impairment levels not expected to deteriorate significantly
While we do not expect the impairment levels for the overall O&G sector to further deteriorate significantly, we cannot preclude further increase in impairments for viable O&G borrowers with debt that needs to be restructured or rescheduled. The Maybank Group Core Credit Classification and Impairmen
Slide 7: Q3: #MaybankFintech start-up programme
3. Maybank has launched #MaybankFintech to attract and nurture start-ups by providing a platform to pitch for financial technology (“Fintech”) ideas. What is the success rate of nurturing these start-ups and how much has been invested? #MaybankFintech seeks to support start-ups to generate ideas in
Slide 8: Q4: Risk policy on Board and Senior Management accounts
4. What is the Bank’s Risk Management Policy on Board members and Senior Management personnel holding banking accounts in the Group? If so, how does the Group address the risk of money laundering involving these parties and their transactions? Currently, the opening of accounts for Senior Management
Slide 9: Ongoing due diligence for all customers
All customers, irrespective of whether they are our Board members or Senior Management, are subject to an on-going due diligence process, where the accounts/customers will be flagged and an enhanced due diligence and STR will be raised (where relevant) in the event any of the following is triggered:
Slide 10: Q5: Responsible Lending Policy
5. Does the Bank have its own Responsibility Lending Policy? If so, please outline the principles, the Bank’s compliance and its effectiveness? Maybank Group does have its own Responsible Lending Guideline that is has adopted. Our approach in determining the types of activities to be involved in are
Slide 11: Responsible lending Category B and Shariah compliance
For Category B, the Group is allowed to engage entities with activities that fall into this category subject to internal guidelines such as all transactions will need to be escalated to the Group’s Management Credit Committee or the relevant credit committees for review and approval as well as inter
Slide 12: Malayan Banking Berhad contact and investor relations
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 Dato’ Mohamed Rafique Merican Group Chief Financial Officer Contact: (6)03-2074 7878 Email: rafique@mayba
Malayan Banking Berhad — Shareholder Meeting (April 2016) on 6ix