Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — Non-Deal Roadshow (August 2025)

35 slides from Malayan Banking Bhd's roadshow presentation, Aug 8, 2025

  1. Slide 1: Investor Presentation: Maybank Singapore Non-Deal Roadshow

    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: Table of Contents

    Table of Contents Executive Summary 2-12 Financial Performance: Five-Year Trends & 1Q FY2025 14-22 Appendix: Group Performance 24-33 1

  3. Slide 3: 1Q FY2025: Net Profit Rose 4.0% YoY to RM2.59 billion

    1Q FY2025: Despite External Headwinds, Net Profit Rose 4.0% YoY to RM2.59 billion on Net Operating Income Growth 1Q FY2025 (YoY) As at 31 Mar 2025 Net Operating Net Interest Operating Cost-to- Group CASA Loan Loss Coverage Group Total Income Margin Cost Income Ratio Ratio Ratio (LLC) Capital Ratio 

  4. Slide 4: Supporting Real Economy Transition and Advancing Thought Leadership in Social Impact

    Supporting Real Economy Transition and Advancing Thought Leadership in Social Impact Sustainable Finance Recognised for Leadership in Sustainable Finance Innovation and ESG Excellence 1Q’25 Achievement: RM10.29 bil Retail Banker International Trailblazer Global: FY2025 Target: RM29.0 bil Awards 2025

  5. Slide 5: Progressing towards M25+ Financial and Non-Financial Targets

    Progressing towards M25+ Financial and Non-Financial Targets On track Our Performance Against M25+ Targets Financials FY2022 (A) FY2023 (A) FY2024 (A) 1Q FY2025 (A) M25+ (T) 2-3x Income growth (%) 8.5 3.3 8.1 1.8 FY2021-FY2025 CAGR ~7 Overseas income growth (%) 3.9 8.6 7.6 (5.2)1 FY2022-FY2025 CAGR

  6. Slide 6: M25+ Super Growth Drivers (1/7): High Potential Segments

    M25+ Super Growth Drivers (1/7): Unlocking Opportunities in High Potential Segments to Fuel Growth 1Q FY2025 YoY Progress Way Forward 1 Wealth management (WM) SP5 SP7 SP13 Total Islamic • Focus on Banca, FX, short- term instruments that are less Supercharge overall WM via retail investment tools, go

  7. Slide 7: M25+ Super Growth Drivers (2/7): ASEAN+ Connectivity for Wealth Management

    M25+ Super Growth Drivers (2/7): Leveraging ASEAN+ Connectivity for Wealth Management Growth, with Singapore As Our Hub Holistic cross-border solutions anchored on customers’ needs Our Approach Key Segments Emerging to high-affluent, rising middle class, early wealth HNWI, C-suites, VCC/Family offic

  8. Slide 8: M25+ Super Growth Drivers (3/7): Strong Wealth Management Income CAGR

    M25+ Super Growth Drivers (3/7): Strong Wealth Management Income CAGR at 12% (5-Years); Islamic Income CAGR of 16% (4-Years) Total Income (RM mil) Wealth Fees (RM mil) PBT (RM mil) Total Financial Assets (RM mil) 12% CAGR 13% CAGR 7% CAGR 9% CAGR GWM by Country 4,205 6,548 1,640 728 1,170 322 2,775

  9. Slide 9: M25+ Super Growth Drivers (4/7): Preferred Banking Partner for Mid-market Clients

    M25+ Super Growth Drivers (4/7): Becoming The Preferred Banking Partner for Mid-market Clients Our Goal: Our Approach Dominate Malaysia’s mid-market segment with >80% market share Jan 2024: Institutionalised account planning and focused strategy to grow mid market segment; Deepened client Strategic

  10. Slide 10: M25+ Super Growth Drivers (5/7): Target High-Growth Markets

    M25+ Super Growth Drivers (5/7): Strategically Target High-Growth Markets to Accelerate Expansion and Deepen Mid-Market Penetration Opportunities Driving Focused Growth Leverage our strong industry Capitalise on developments in the expertise and SG’s regional Composition of mid-market loans in MY ke

  11. Slide 11: M25+ Super Growth Drivers (6/7): Global Markets as Key Pillar

    M25+ Super Growth Drivers (6/7): Global Markets Serves as A Key Pillar for Strong Regional Growth Our Approach Our Goal Provide a comprehensive range of conventional Key Priorities: and Islamic treasury products and services Broaden Optimise customer experience (i.e.: FX, money market instruments, f

  12. Slide 12: M25+ Super Growth Drivers (7/7): Higher FX Sales Through Customer-Centric Growth

    M25+ Super Growth Drivers (7/7): Higher FX Sales Through Customer- Centric Growth Focusing on Digitalisation & Strategic Cross-Selling 1Q’25 Enhance Customer Journeys Uplift Income Generation vs 1Q’24 Seamless Transactions Cross-selling Opportunities Group GM FX Sales income 7% Ease of Foreign Teleg

  13. Slide 13: Tapered Economic and Loans Growth Forecasts for Home Markets

    Tapered Economic and Loans Growth Forecasts for Home Markets Amid Global Trade Headwinds Malaysia Singapore Indonesia 2025 Forecast Previous Current Change 2025 Forecast Previous Current Change 2025 Forecast Previous Current Change (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) (f) GDP 4.9% 4.1%  GDP

  14. Slide 14: Table of Contents

    Table of Contents Executive Summary: 1Q FY2025 2-12 Financial Performance: Five-Year Trends & 1Q FY2025 14-22 Appendix: Group Performance 24-33 13

  15. Slide 15: Five-Year Financial Trends (1/2): Profitability and Liquidity Indicators

    Five-Year Financial Trends (1/2): Improving Profitability Indicators Supported by Strong Liquidity Indicators Profitability Indicators Liquidity Indicators 2025 Guidance Return 9.8% 9.6% 10.8% 11.1% 11.3% 8.1% ≥11.3% Liquidity 144.6% 139.5% 140.3% 138.8% 134.0% 135.7% on Coverage Equity Ratio1 Fee t

  16. Slide 16: Five-Year Performance Trends (2/2): Asset Quality and Capital Levels

    Five-Year Performance Trends (2/2): Improving Asset Quality Indicators; Capital Levels Remained Stable Asset Quality Indicators Capital Ratios & Dividend Payout Post Dividend (Group level) 106.3% 111.9% 131.2% 124.9% 126.9% 122.9% Loan Loss CET 1 14.73% 15.40% 14.78% 15.34% 14.90% 14.88% Coverage Ca

  17. Slide 17: Net Fund Based Income Grew 2.3% YoY on Improved NIM

    Net Fund Based Income Grew 2.3% YoY on Improved NIM. However, Loans Growth Has Slowed to 2.2% YTD Annualised Net Fund Based Income Net Interest Margin (NIM) QoQ  2.3%  (1.6)% (Ann.) 1Q’25 vs 1Q’24 1Q’25 vs 4Q’24 Trend 2.06% 2.03% 2.06% 2.04% 2.03% 1Q'24 2Q'24 3Q'24 4Q'24 1Q'25 5-Year Trend RM bill

  18. Slide 18: Stable NoII of RM2.76 billion Supported by Growth in Wealth Fees

    Stable NoII of RM2.76 billion Supported by Growth in Wealth Fees Non-Interest Income (NoII) 1Q FY2025 YoY Performance  0.8%  15.5% 1Q’25 vs 1Q’24 1Q’25 vs 4Q’24  Wealth fee rose 28.0% on higher investment and banca 2.74 2.39 2.76 income 0.05  Lower global markets income 0.78 0.35 0.90 by 4.0% on

  19. Slide 19: Lower Group Insurance & Takaful PBT

    Lower Group Insurance & Takaful PBT On Reduced Net Investment Income Attributed to MTM Losses in Equity Investments Group Insurance & Takaful Key Drivers • PBT decreased on lower net investment income attributed to PBT mark-to-market (MTM) losses in equity investments in line (RM million) with marke

  20. Slide 20: Marginal Cost Increase of 2.3% YoY with Stable Cost-to-Income Ratio

    Marginal Cost Increase of 2.3% YoY with Stable Cost-to-Income Ratio CIR and Costs 48.3% 49.7% 48.5%  1.5%  2.3% 1Q’25 vs 4Q’24 1Q’25 vs 1Q’24 M25+ related spend 3.66 3.69 3.74 as at 1Q FY2025 0.63 0.77 (RM million) 0.78 0.14 0.19 0.17 0.58 0.61 0.60 Total 95.3 RM billion Opex is: 92% 2.16 2.26 2.2

  21. Slide 21: Continued Traction in CASA Growth in MY and SG

    Continued Traction in CASA Growth in MY and SG; Liquidity Indicators Remained Healthy Deposits YTD Ann. Growth Liquidity Indicators Group Malaysia (MY) Singapore (SG) Indonesia (IDN)  1.6%  3.4%  (0.2)%  (24.8)% 741.9 744.9 138.4% 135.7% 134.0% 459.6 463.6 Others 103.5 95.0 118.4% 116.4% 115.8%

  22. Slide 22: Maintaining Caution with Additional Management Overlay

    Maintaining Caution with Additional Management Overlay For Potential Headwinds Development Loan ECL, NCC, and LLC Gross Impaired Loans (GIL) P&L ECL Group GIL Volume and Ratio Country GIL Volume and Ratio (RM billion)  (13.6)%  (17.9)% 3.66% 3.79% 4.02% 1Q’25 vs 4Q’24 1Q’25 vs 1Q’24 1.32% 1.23% 1.

  23. Slide 23: Stable Capital Positions on Contained Group RWA Growth

    Stable Capital Positions on Contained Group RWA Growth Capital Ratios Mar’25 Group Bank vs Growth (%) Dec’24 (QoQ) 18.04% 17.96% 16.79% 16.97% 15.27% 15.24% 13.89% 14.21% Group Loans 0.6% 14.90% 14.88% 13.67% 14.00% Dec 24 Mar 25 Dec 24 Mar 25 Total Group RWA 1.8% Total Capital Ratio Tier 1 Capital

  24. Slide 24: Table of Contents

    Table of Contents Executive Summary: 1Q FY2025 2-12 Financial Performance: Five-Year Trends & 1Q FY2025 14-22 Appendix: Group Performance 24-33 23

  25. Slide 25: International & Malaysia Portfolio Mix 1Q FY2025

    International & Malaysia Portfolio Mix 1Q FY2025 Net Operating Income Profit Before Tax Group Loans* 3.1% 6.1% 1Q FY2025 5.6% 4.3% (Jan 25 – Mar 25) 8.4% 5.0% 17.1% Overseas: 17.9% RM7.71 Overseas: RM3.59 Overseas: 26.2% RM678.7 31.9% billion 24.5% billion 37.2% billion 62.8% 68.1% 75.5% Malaysia Si

  26. Slide 26: Segmental Business Portfolio Mix 1Q FY2025

    Segmental Business Portfolio Mix 1Q FY2025 Net Operating Income Profit Before Tax Group Loans* 1Q FY2025 4.3% 7.6% (Jan 25 – Mar 25) 32.9% 42.2% 36.7% RM7.71 RM3.59 RM678.7 billion billion billion 59.0% 50.2% 67.1% Group Community Financial Services Group Global Banking Group Insurance & Takaful 1Q

  27. Slide 27: Group Loans Growth: 31 March 2025

    Group Loans Growth: 31 March 2025 % of 31 Dec 2024 YTD 31 Mar 2025 QoQ 31 Mar 2024 YoY Portfolio (Restated) Annualised Group Loans 678.7 675.0  0.6%  2.2% 657.8  3.2% Malaysia (RM billion) 63% 425.2 418.9  1.5%  6.0% 393.6  8.0% Community Financial Services 78% 329.7 324.1  1.7%  6.9% 303.8

  28. Slide 28: Malaysia Loans Growth: 31 March 2025

    Malaysia Loans Growth: 31 March 2025 YTD RM billion % of Portfolio 31 Mar 2025 31 Dec 2024 QoQ 31 Mar 2024 YoY Annualised Community Financial Services (reported) 78% 329.7 325.4  1.3%  5.3% 303.8  8.5% Community Financial Services (rebased)¹ 78% 329.7 324.1  1.7%  6.9% 303.8  8.5% Consumer 62%

  29. Slide 29: Singapore Loans Growth: 31 March 2025

    Singapore Loans Growth: 31 March 2025 SGD Billion % of portfolio 31 Mar 25 31 Dec 24 QoQ YTD Annualised 31 Mar 24 YoY Community Financial Services 54% 28.3 28.3  (0.1)%  (0.2)% 25.3  11.7% Consumer 42% 22.1 22.1  (0.1)%  (0.4)% 19.4  13.7% Mortgage 28% 14.4 14.5  (0.9)%  (3.4)% 12.6  14.6%

  30. Slide 30: Indonesia Loans Growth: 31 March 2025

    Indonesia Loans Growth: 31 March 2025 IDR Billion % of portfolio 31 Mar 25 31 Dec 24 QoQ YTD Annualised 31 Mar 24 YoY Community Financial Services 67% 84.3 83.1  1.4%  5.7% 76.1  10.9% Consumer 37% 46.1 45.5  1.2%  4.7% 43.5  5.9% Mortgage 14% 17.0 17.0  0.2%  0.8% 16.2  5.1% Auto 20% 25.0

  31. Slide 31: Group Deposits Growth: 31 March 2025

    Group Deposits Growth: 31 March 2025 % of Portfolio 31 Mar 2025 31 Dec 2024 QoQ YTD Annualised 31 Mar 2024 YoY Group Deposits 744.9 741.9  0.4%  1.6% 709.0  5.1% Total CASA 272.6 270.6  0.8%  3.0% 264.5  3.1% Total Fixed Deposits 377.3 367.8  2.6%  10.4% 346.4  8.9% Malaysia (RM billion) 62

  32. Slide 32: LDR and CASA Ratio

    LDR and CASA Ratio Malaysia Group LDR CASA NSFR LCR * 138.4% 136.7% 134.2% 134.0% 135.7% 118.4% 114.1% 114.1% 116.4% 115.8% 91.1% 91.8% 92.4% 89.3% 91.1% 92.6% 94.5% 93.8% 90.7% 90.9% 43.5% 44.2% 38.1% 36.2% 41.2% 42.2% 42.2% 37.3% 36.5% 36.6% Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Mar 2024 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 1.00% 4.99% 0.92% 0.89% 0.91% 1.64% 4.84% 0.85% 4.53% 4.10% 4.08% 0.68% 0.70% 0.76% 1.32% 1.34% 0.63% 0.66% 1.14% 1.19% 1.43% 0.58% 0.57% 0.59% 0.54% 0.57% 1.20% 1.10% 1.17% 1.01% 0.18% 0.06% 0.0

  34. Slide 34: Market Share Overview for Community Financial Services Malaysia

    Market Share Overview for Community Financial Services Malaysia Market share Mar 24 Jun 24 Sep 24 Dec 24 Mar 25 Loans Total consumer 19.0% 19.1% 19.2% 19.3% 19.4% Auto (Retail Hire Purchase) 29.8% 29.7% 29.6% 29.6% 29.3% Total mortgage * 15.5% 15.7% 15.9% 16.1% 16.3% Credit cards ** 21.8% 22.0% 21.6

  35. Slide 35: Htunantsin

    Htunantsin Financial Services Maybank @Mymaybank £) @Maybank & @Mymaybank (in) @Maybank

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