Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — FY2017 Earnings Presentation

60 slides from Malayan Banking Bhd's earnings presentation, Feb 28, 2018

  1. Slide 1: Investor Presentation: Financial Results 4Q FY2017 and Full Year FY2017

    Humanising Financial Services Investor Presentation Financial Results 4Q FY2017 and Full Year FY2017 ended 31 December 2017 28 February 2018 www.maybank.com 0

  2. Slide 2: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 37 3. Global Banking 41 4. Maybank Singapore 45 5. Maybank Indonesia 48 6. Other segments 52 7. Affiliates 57 1 Financial Results: 4Q FY2017 and Full

  3. Slide 3: Maybank Group Full Year FY2017 Overview

    Maybank Group Full Year FY2017 Overview New net income high of RM23.27 billion with record net profit of RM7.52 billion 1 • Higher net income of 4.9% YoY as net fund based income grew 10.3% YoY on NIM expansion of 9 bps to 2.36% • Better NIM on improved Group CASA normalised growth of 7.2% YoY (Repo

  4. Slide 4: Maybank 2020 - Strategic Objectives: Key FY2017 Achievements

    Maybank2020 - Strategic Objectives: Key FY2017 Achievements 1 • Group Wealth Management revenue grew 19.2% YoY, with assets under management (AUM) The Top ASEAN of RM278.2 billion Community Bank • Regional SME grew 8.3% YoY on its topline • Maybank remained No.1 in the Malaysia Net Promoter Score cu

  5. Slide 5: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 37 3. Global Banking 41 4. Maybank Singapore 45 5. Maybank Indonesia 48 6. Other segments 52 7. Affiliates 57 4 Financial Results: 4Q FY2017 and Full

  6. Slide 6: P&L Summary: FY2017

    P&L Summary: FY2017 Record net profit of RM7.52 billion on operating profit growth of 14.0% to RM9.88 billion More details on RM million FY2017 FY2016 YoY s.24 Net fund based income * 16,627.7 15,074.4 10.3% s.9/24/ 29 Net fee based income * 6,640.7 7,098.8 (6.5%) s.22/23 Net operating income 23,268

  7. Slide 7: Net Fund Based Income: FY2017 (1/3)

    Net Fund Based Income: FY2017 (1/3) Strong net fund based income growth of 10.3% YoY supported by NIM improvement of 9 bps to 2.36% Net Interest Margin (%) 5-Year Trend 2.43 2.36 2.31 2.31 2.27 FY2013 FY2014 FY2015 FY2016 FY2017 6

  8. Slide 8: Net Fund Based Income: FY2017 (2/3)

    Net Fund Based Income: FY2017 (2/3) Loans growth across home markets supported by good CASA growth across the Group Group Malaysia Singapore Indonesia Gross Loans (YoY) Community Financial Services Global Banking  1.7% (Reported)  5.0%  4.3%  3.6%  4.0% (Normalised) SGD billion IDR trillion 272

  9. Slide 9: Net Fund Based Income: FY2017 (3/3)

    Net Fund Based Income: FY2017 (3/3) Selective loan expansion managed in tandem with credit RWA Group Gross Loans Total Group RWA  +1.7%  +5.7%  +1.7%  (1.2)% 493.8 485.7 379.6 373.3 375.1 459.4 37.2 34.9  +6.6%  +7.7% 40.1 Operational RWA RM billion RM billion  +14.4% 12.9 11.3  +11.5% 14.4

  10. Slide 10: Net Fee Based Income: FY2017

    Net Fee Based Income: FY2017 Lower net fee based income mainly from reduced investment and trading income RM million FY2016 FY2017 YoY Commission, service charges and fees 3,559 3,564  0.1% Investment & Trading Income 1,363 1,057  (22.5)% Unrealised gain/ (losses) on securities 70 143  >100% Unre

  11. Slide 11: Overheads: FY2017

    Overheads: FY2017 Overheads growth of 8.3% YoY; Group cost-to-income ratio of 48.7%, below threshold of 50% RM million FY2017 FY2016 YoY Personnel Costs 6,128.0 5,638.9 8.7% Establishment Costs 1,980.9 1,887.7 4.9% Marketing Expenses 515.1 522.1 (1.3)% Administration & General Expenses 2,733.1 2,438

  12. Slide 12: Asset Quality

    Asset Quality Lower YoY loan provisions of 30.8% for FY2017 on slower impaired loan formation growth Allowance for losses on loans Slower YoY growth in Group GIL volume from a year ago Allowances for losses on loans Loan loss coverage  4.5% YoY  29.2% YoY 72.0% 71.7% 11,055 11,550 71.2% 71.5%* RM

  13. Slide 13: Asset Quality for Group and Home Markets

    Asset Quality for Group and Home Markets Stabilising QoQ asset quality trends for Group and home markets Group GIL Ratio Composition GIL Ratio Components Dec 2017 Sep 2017 Jun 2017 Mar 2017 Dec 2016 Non Performing Loans (NPL) 1.80% 1.97% 1.79% 1.77% 1.64% Restructured & Rescheduled (R&R) 0.27% 0.32%

  14. Slide 14: Asset Quality by Line of Business

    Asset Quality by Line of Business Broadly stable QoQ asset quality trends across Malaysia and Singapore portfolios, with improvement in Indonesia Consumer Mortgage Auto Finance Credit Cards 2.48% 2.67% 2.22% 2.38% 2.14% 1.44% 2.35% 2.37% 1.32% 1.40% 1.51% 1.76% 1.23% 1.73% 0.98% 2.26% 2.08% 1.95% 1.

  15. Slide 15: Commodities Exposure: December 2017

    Commodities Exposure: 31 December 2017 Maybank Group’s exposure to direct and indirect oil and gas borrowers as well as other commodities Direct & Indirect Oil & Gas: Other Sectors Borrowers with O&G related exposure Loan Agriculture exposure Loan Borrowers’ Status: Oil & Gas 85% comes Maybank Group

  16. Slide 16: Liquidity Management: December 2017

    Liquidity Management: 31 December 2017 Maintained well-diversified funding sources and strong liquidity risk indicators Funding Breakdown Borrowings and Liquidity Risk Indicators Capital Instruments by Currency LDR LTF LTFE LCR 151.9% 134.4% 145.6% 137.0% 133.1% FI Deposits, 6% Equity, SGD, 11% 7% J

  17. Slide 17: Strong Capital Position: December 2017

    Strong Capital Position: 31 December 2017 Total capital and CET1 ratios (assuming 85% dividend reinvestment rate) at 18.80% and 14.19% respectively Before proposed After proposed Regulatory Requirements dividend dividend, assuming 85% reinvestment rate 2017 2018 Jan 2019 Onwards 19.29% 19.38% 18.80%

  18. Slide 18: Dividend: FY2017

    Dividend: FY2017 Total dividend of 55 sen per share with a 42% cash component for FY2017, and a strong dividend yield of 5.6% Gross Dividend (sen), Payout Ratio (%) and Cash Component (%) 79.9% 78.5% 78.1% 78.5% Dividend 76.5% 76.3% 74.9% 74.7% Payout Ratio 71.9% 42% Cash 27% 25% 27% Component 20% 1

  19. Slide 19: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 37 3. Global Banking 41 4. Maybank Singapore 45 5. Maybank Indonesia 48 6. Other segments 52 7. Affiliates 57 18Financial Results: 4Q FY2017 and Full

  20. Slide 20: Market Outlook

    Market Outlook 2018 industry outlook for our home markets Key Indicators Industry Outlook • Loan growth supported by corporate • GDP (f): 5.3% (2018) vs 5.9% (2017) lending pick-up and stable consumer • System loan (f): 4.5% (2018) vs 4.1% (2017) lending. • OPR (f): 3.25% (2018) vs 3.00% (2017) • NI

  21. Slide 21: Maybank Performance Outlook

    Maybank Performance Outlook Group guidance for FY2018 1 Effective NIM management in rising rate environment 2 Maintain pricing discipline of loans under new MFRS 9 environment 3 Maintain stable liquidity risk indicators ahead of NSFR adoption in 2019 4 Managed cost growth with CIR ~48% 5 Day 1 capit

  22. Slide 22: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 37 3. Global Banking 41 4. Maybank Singapore 45 5. Maybank Indonesia 48 6. Other segments 52 7. Affiliates 57 21Financial Results: 4Q FY2017 and Full

  23. Slide 23: International & Malaysia Portfolio Mix FY2017

    International & Malaysia Portfolio Mix FY2017 Net Operating Income Profit Before Tax Gross loans* FY2017 (Jan 17 – Dec 17) Overseas: 7.9% Overseas: 10.7% Overseas: 8.0% 40.5% 28.7% 41.5% 7.8% 14.4% 8.6% RM23.27 9.4% RM10.10 RM493.8 billion billion 25.7% billion 59.5% 58.5% 18.2% 71.3% Malaysia Singa

  24. Slide 24: Segmental Performance of Businesses: FY2017 (1/2)

    Segmental Performance of Businesses: FY2017 (1/2) Net Operating Income FY2016  +4.9% Group Global Banking (GB)  +1.6% FY2017 22,173 23,268 FY2016: 9,101 FY2017: 9,242  +6.4%  +1.4%  (5.1)%  +80.3%  +18.7% 12,685 13,497 RM million 7,555 7,658 1,409 1,337 247 1,593 1,891 137 Total Group Communi

  25. Slide 25: Segmental Performance of Businesses: FY2017 (2/2)

    Segmental Performance of Businesses: FY2017 (2/2) Net Fund Based Income FY2016  +10.3% Group Global Banking (GB)  +5.5% FY2017 FY2016: 5,078 FY2017: 5,359 16,628 15,074  +6.9%  +5.5%  +3.3%  (88.0)%  +8.4% 9,627 10,292 RM million 4,792 5,058 293 302 (7) (1) 1,009 1,094 Total Group Community G

  26. Slide 26: Income Statement for Insurance and Takaful Business: YoY

    Income Statement for Insurance and Takaful Business: YoY RM million FY2017 FY2016 YoY Net interest income 1,086.9 995.0 9.2% Net earned premiums 5,250.9 4,444.1 18.2% Other operating income 806.6 408.1 97.7% Total operating income 7,144.4 5,847.1 22.2% Net insurance benefits & claims incurred, net f

  27. Slide 27: Key Operating Ratios: YoY

    Key Operating Ratios: YoY % FY2017 FY2016 YoY FY2015 FY2014 Return on Equity 10.9 10.6 0.3% 12.2 13.8 Net Interest Margin 2.36 2.27 9 bps 2.31 2.31 Fee to Income Ratio 28.5 32.0 (3.5)% 31.5 31.9 Loans-to-Deposit Ratio 1 93.8 93.9 (0.1)% 92.7 91.8 Cost to Income Ratio 2 48.7 47.1 1.6% 48.2 48.9 Asset

  28. Slide 28: P&L Summary: QoQ

    P&L Summary: QoQ 1Q 2Q 3Q 4Q 4Q RM million QoQ YoY FY2017 FY2017 FY2017 FY2017 FY2016 Net fund based income 4,117.9 4,143.5 4,205.1 4,161.3 (1.0)% 3,917.9 6.2% Net fee based income 1,412.1 1,640.8 1,692.6 1,895.2 12.0% 2,123.4 (10.7)% Net operating income 5,530.0 5,784.3 5,897.7 6,056.4 2.7% 6,041.3

  29. Slide 29: Income Statement for Insurance and Takaful Business: QoQ

    Income Statement for Insurance and Takaful Business: QoQ 1Q 2Q 3Q 4Q 4Q RM million QoQ YoY FY2017 FY2017 FY2017 FY2017 FY2016 Net interest income 251.1 299.1 260.6 276.0 5.9% 261.8 5.4% Net earned premiums 1,253.9 1,255.8 1,307.4 1,433.8 9.7% 1,192.5 20.2% Other operating income 259.8 172.3 84.4 290

  30. Slide 30: Net Fee Based Income: QoQ

    Net Fee Based Income: QoQ 1Q 2Q 3Q 4Q RM million QoQ FY2017 FY2017 FY2017 FY2017 Commission, service charges and fees 835 883 923 923  (0.1)% Investment & Trading Income 232 301 312 211  (32.4)% Unrealised gain/ (losses) on securities 206 113 (179) 2  >100% Unrealised gain/ (losses) on derivative

  31. Slide 31: Overheads: QoQ

    Overheads: QoQ 1Q 2Q 3Q 4Q 4Q RM million QoQ YoY FY2017 FY2017 FY2017 FY2017 FY2016 Personnel Costs 1,504.0 1,540.1 1,527.4 1,556.5 1.9% 1,351.2 15.2% Establishment Costs 482.3 459.6 479.6 559.4 16.6% 451.0 24.0% Marketing Expenses 135.3 109.8 116.7 153.3 31.4% 130.7 17.3% Administration & General E

  32. Slide 32: Group Gross Loans Growth: December 2017

    Group Gross Loans Growth: 31 December 2017 % of 31 Mar 30 Jun 30 Sep 31 Dec 31 Dec QoQ YoY Portfolio 2017 2017 2017 2017 2016 Group Gross Loans 486.1 480.1 485.9 493.8  1.6% 485.7  1.7% Malaysia (RM billion) 58% 270.7 273.8 278.7 285.5  2.4% 272.0  5.0% Community Financial Services 71% 195.6 197

  33. Slide 33: Malaysia Loans Growth: December 2017

    Malaysia Loans Growth: 31 December 2017 % of 31 Mar 30 Jun 30 Sep 31 Dec 31 Dec QoQ YoY Portfolio 2017 2017 2017 2017 2016 Community Financial Services 71% 195.6 197.1 199.8 203.7  1.9% 194.4  4.8% Community Financial Services ¹ 71% 195.6 197.1 199.8 203.7  1.9% 193.7  5.1% Consumer 57% 156.3 15

  34. Slide 34: Group Deposits Growth: December 2017

    Group Deposits Growth: 31 December 2017 % of 31 Mar 30 Jun 30 Sep 31 Dec 31 Dec QoQ YoY Portfolio 2017 2017 2017 2017 2016 Group Gross Deposits 508.1 511.7 517.2 526.6  1.8% 517.1  1.8% Malaysia (RM billion) 60% 301.8 304.9 310.4 317.8  2.4% 300.9  5.6% Savings Deposits 13% 41.2 41.1 40.9 40.7 

  35. Slide 35: LDR and CASA Ratio

    LDR and CASA Ratio Group LDR CASA CASA (without IA) Malaysia 93.9% 95.7% 93.8% 94.0% 93.8% 91.5% 90.8% 90.9% 90.7% 91.2% 37.4% 36.8% 36.8% 37.3% 36.0% 40.5% 41.2% 40.4% 39.5% 40.2% 34.6% 35.7% 35.1% 35.0% 35.4% 38.0% 38.4% 37.6% 36.6% 37.1% Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 Dec 16 Mar 17 Jun 17 Sep

  36. Slide 36: Key Operating Ratios: QoQ

    Key Operating Ratios: QoQ 1Q 2Q 3Q 4Q 4Q % QoQ YoY FY2017 FY2017 FY2017 FY2017 FY2016 Return on Equity 10.0 9.6 11.6 12.4 0.8% 14.8 (2.4)% Net Interest Margin 2.43 2.39 2.35 2.30 (5) bps 2.32 (2) bps Fee to Income Ratio 25.5 28.4 28.7 31.3 2.6% 35.1 (3.8)% Loans-to-Deposit Ratio 1 95.7 93.8 94.0 93.

  37. Slide 37: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 37 3. Global Banking 41 4. Maybank Singapore 45 5. Maybank Indonesia 48 6. Other segments 52 7. Affiliates 57 36Financial Results: 4Q FY2017 and Full

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

    Community Financial Services: Overview of Market Share for Malaysia Sep-17 Market Market share Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 vs position Dec-17 Loans Total consumer (Household) 17.6% 17.5% 17.5% 17.6% 17.6% # 2 1 Auto (Purchase of transport vehicles) 25.0% 25.4% 25.7% 26.1% 26.5% # 2 Total mort

  39. Slide 39: Community Financial Services: Overview of Malaysia Loans Portfolio

    Community Financial Services: Overview of Malaysia Loans Portfolio Consumer loans grew 5.2% YoY to RM163.3 billion led by Business Banking + SME loans grew by 3.2% YoY to RM40.3 mortgage and auto finance growth billion led by SME growth of 18.3% YoY  +5.2% YoY  +3.2% YoY  +2.1% QoQ  +1.5% QoQ 16

  40. Slide 40: Community Financial Services: Overview of Malaysia Deposits Portfolio

    Community Financial Services: Overview of Malaysia Deposits Portfolio Total CFS deposits contracted by 0.8% YoY, due to Consumer deposits grew 0.5% YoY reduction in high cost deposits  (0.8)% YoY  +0.5 % YoY  +3.0% QoQ  +0.1 % QoQ 214.0 206.2 212.3 137.5 136.8 137.3 RM billion RM billion Dec 16

  41. Slide 41: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 37 3. Global Banking 41 4. Maybank Singapore 45 5. Maybank Indonesia 48 6. Other segments 52 7. Affiliates 57 40Financial Results: 4Q FY2017 and Full

  42. Slide 42: Global Banking: Overview of Malaysia Corporate Banking Portfolio

    Global Banking: Overview of Malaysia Corporate Banking Portfolio Total GB loans increased 3.9% YoY to RM81.9 billion Trade Finance market share 26.2% RM billion 25.1% 24.7% 24.5% 42.0 24.4%  +7.1% YoY Term Loan 39.1 39.2 Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 28.2  +1.0% YoY Short Term Note: Market sh

  43. Slide 43: Global Banking: Overview of Group Securities and Global Markets Portfolio

    Global Banking: Overview of Group Securities and Global Markets Portfolio Group Securities Portfolio¹ grew 17.9% YoY Group Securities Portfolio¹: 37.6% Foreign Securities as at FY2017 FY2016 FY2017 Others Others (NIDs, BA, etc) Government Government (NIDs, BA, etc) Securities Securities 7.8% 5.9% -

  44. Slide 44: Global Banking: Overview of Group Investment Banking Portfolio

    Global Banking: Overview of Group Investment Banking Portfolio FY2017 Total Income Breakdown by Country Total Income for Maybank Kim Eng1 Hong Kong Others  (5.1)% Philippines 4% 4% 2% 1,408.8 1,337.3 Indonesia 4% Malaysia RM1,337.3 39% RM million Thailand million 21% FY2016 FY2017 Singapore 26% FY2

  45. Slide 45: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 37 3. Global Banking 41 4. Maybank Singapore 45 5. Maybank Indonesia 48 6. Other segments 52 7. Affiliates 57 44Financial Results: 4Q FY2017 and Full

  46. Slide 46: Maybank Singapore: P&L Summary

    Maybank Singapore: P&L Summary SGD million FY2017 FY2016* YoY Net fund based income 685.72 521.00 31.6% Net fee based income 326.79 274.35 19.1% Net income 1,012.51 795.35 27.3% Overhead expenses (387.87) (352.72) 10.0% Operating profit 624.64 442.63 41.1% Profit before taxation 315.48 240.99 30.9%

  47. Slide 47: Maybank Singapore: Overview of Loans and Deposits Portfolio

    Maybank Singapore: Overview of Loans and Deposits Portfolio Diversified Loan Portfolio Consumer deposits account for 51% of deposits  +4.3% YoY  +3.8% YoY 38.9 40.6 Other 44.5 46.2 (Consumer) Consumer - 3.5 3.5 Car Loan Time Deposits 1.8 2.1 Consumer 17.1 15.8 Consumer 40% Housing Loan 51% Consume

  48. Slide 48: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 37 3. Global Banking 41 4. Maybank Singapore 45 5. Maybank Indonesia 48 6. Other segments 52 7. Affiliates 57 47Financial Results: 4Q FY2017 and Full

  49. Slide 49: Maybank Indonesia: P&L Summary

    Maybank Indonesia: P&L Summary IDR billion FY2017 FY2016 YoY 4Q FY2017 3Q FY2017 QoQ Net Fund Based income 7,702 7,430 3.7% 1,975 1,891 4.4% Net Fee Based income 2,729 2,656 2.8% 588 685 (14.2)% Net income 10,431 10,086 3.4% 2,563 2,576 (0.5)% Overhead expenses (5,793) (5,517) 5.0% (1,300) (1,429) (

  50. Slide 50: Maybank Indonesia: Overview of Maybank Finance Operations

    Maybank Indonesia: Overview of Maybank Finance Operations Revenue and Profit Before Tax Financing – stand alone IDR billion IDR billion  +14.5%  +15.0% 1,088 947 6,843 5,979  +7.2% 334 357 FY2016 FY2017 Dec 16 Dec 17 Revenue Profit Before Tax Asset Quality Unit Financing (unit)  (7.1)%  (7.2)%

  51. Slide 51: Maybank Indonesia: Overview of WOM Finance Operations

    Maybank Indonesia: Overview of WOM Finance Operations Revenue and Profit Before Tax Financing – stand alone IDR billion IDR billion  +14.6%  +11.8% 2,154 6,935 1,928 6,051  +>100% 237 30 FY2016 FY2017 Dec 16 Dec 17 Revenue Profit Before Tax Asset Quality Unit Financing (‘000 unit)  +9.5% 465 425

  52. Slide 52: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 37 3. Global Banking 41 4. Maybank Singapore 45 5. Maybank Indonesia 48 6. Other segments 52 7. Affiliates 57 51Financial Results: 4Q FY2017 and Full

  53. Slide 53: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance Maybank Islamic: Total Gross Financing grew to RM163.6 billion RM million FY2017 FY2016 YoY 13% Dec 16 Total Income 4,600.4 3,874.2 18.7% 42.6 6% Dec 17 3% 37.7 Profit Before Tax 2,751.6 1,945.4 41.4% 35.4 31.4 32.4

  54. Slide 54: Islamic Banking: Market Share

    Islamic Banking: Market Share Maybank Islamic Market Share (Malaysia) Market Share by Product (Malaysia) 34.1% 33.8% 33.5% 33.6% 33.6% Key Products Dec 17 Dec 16 Automobile Financing 45.0% 44.3% Home 27.7% 28.4% 30.4% 30.4% 29.8% 29.6% 29.7% Term financing 31.6% 30.1% Dec 16 Mar 17 Jun 17 Sep 17 Dec

  55. Slide 55: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Gross Premium Life / Family (New Business) Market Share Single Premium  >100% FY2017 AIA Ins. & Tak. 21.5% Regular Premium  22.3% FY2016 Prudential Ins. & Tak. 14.5% No. 4 in Life/Family Credit Premium  35.0% Group Premium GE Ins. & Tak. 13.6% (New Busi

  56. Slide 56: Maybank Philippines: Performance Overview

    Maybank Philippines: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 10.8% YoY, led by higher net interest income (NII).  +10.8% YoY  Increase in NII contributed by higher interest income from term loans. 5,889.9  PBT increased to PESO1,496.7 million, driven by higher 5

  57. Slide 57: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 19 Appendix: 1. Financial Performance 22 2. Community Financial Services 37 3. Global Banking 41 4. Maybank Singapore 45 5. Maybank Indonesia 48 6. Other segments 52 7. Affiliates 57 56Financial Results: 4Q FY2017 and Full

  58. Slide 58: An Binh Bank: Performance Overview

    An Binh Bank: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 19.3% YoY, mainly due to higher net interest income.  +19.3 % YoY  PBT increased to VND619.0 billion, mainly contributed by higher revenue. 2,597.6 2,177.4  Gross loans expanded by 15.4% YoY driven by growth

  59. Slide 59: MCB Bank: Performance Overview

    MCB Bank: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 1.3% YoY, led by higher non interest  1.3% YoY income (NOII).  PBT decreased by 16.6% YoY, mainly attributed by higher 61.1 61.9 administrative expenses.  (16.6)% YoY  Gross loans increased by 10.7% YoY, mainly

  60. Slide 60: 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 Dato’ Amirul Feisal Wan Zahir Group Chief Financial Officer Contact: (6)03-2074 7703 Email: feisal.zahir@

Malayan Banking Berhad (Maybank) — FY2017 Earnings Presentation on 6ix