Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — FY2016 Earnings Presentation

71 slides from Malayan Banking Bhd's earnings presentation, Feb 23, 2017

  1. Slide 1: Investor Presentation: Financial Results 4Q FY2016

    Humanising Financial Services Investor Presentation Financial Results 4Q FY2016 and Full Year FY2016 ended 31 December 2016 23 February 2017 www.maybank.com 0

  2. Slide 2: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Strategic Objectives, Prospects & Outlook 26 Appendix: 1. Financial Performance 31 2. Community Financial Services 44 3. Global Banking 49 4. Maybank Singapore 54 5. Maybank Indonesia 58 6. Other segments 63 7. Affiliates 68 Financial 1 Result

  3. Slide 3: Full Year FY2016 Overview

    Full Year FY2016 Overview Higher net operating income of RM22.26 billion for full year 2016, with net profit at RM6.74 billion 1 • Revenue growth of 4.8% YoY supported by growth in net fund and fee based Continued growth in income core revenue despite o Net fund based income rose 5.2% YoY, supported

  4. Slide 4: FY2016 Key Performance Indicators Review

    FY2016 Key Performance Indicators Review Full year achievements in line with revised FY2016 guidance FY2016 Annualised Key Performance Indicators FY2016 Achievement Guidance 1H FY2016 2H FY2016 Headline KPI Return on Equity (reported) 10.5%-11.0% 8.3% 13.0% 10.6%  Other Guidance Group Loans Growth

  5. Slide 5: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Strategic Objectives, Prospects & Outlook 26 Appendix: 1. Financial Performance 31 2. Community Financial Services 44 3. Global Banking 49 4. Maybank Singapore 54 5. Maybank Indonesia 58 6. Other segments 63 7. Affiliates 68 Financial 4 Result

  6. Slide 6: P&L Summary: FY2016

    P&L Summary: FY2016 Net operating income grew 4.8% YoY to new high of RM22.26 billion More details on RM million FY2016 FY2015 YoY s.7 Net fund based income * 15,301.2 14,545.0 5.2% s.7/8 Net fee based income * 6,962.0 6,692.8 4.0% s.6/31 Net operating income 22,263.2 21,237.9 4.8% s.9 Overhead expe

  7. Slide 7: Franchise-Led Growth: FY2016 (1/2)

    Franchise-Led Growth: FY2016 (1/2) Strong growth across all business pillars; Group CFS at 8.4%, Group GB at 7.3% & Group Insurance & Takaful at 4.3% Net Operating Income Group Global Banking (GB)  +7.3%  +4.8% FY2015: 9,255 FY2016: 9,935 FY2015 FY2016 21,238 22,263  +8.4%  +8.2%  +1.3%  +28.0

  8. Slide 8: Franchise-Led Growth: FY2016 (2/2)

    Franchise-Led Growth: FY2016 (2/2) Revenue growth supported by higher net fund based income of 5.2% and net fee based income of 4.0% Net Fund Based Income Group Global Banking (GB)  +0.9%  +5.2% FY2015: 5,433 FY2016: 5,483 FY2015 FY2016 14,545 15,301  +10.8%  (0.2)%  +28.0%  (>100)%  +11.3% 9

  9. Slide 9: Net Fee Based Income: FY2016

    Net Fee Based Income: FY2016 Growth of 4.0% YoY due to higher investment & trading income and net earned insurance premiums RM million FY2016 FY2015 YoY Commission, service charges and fees 3,649 3,821  (4.5)% Investment & Trading Income 1,363 842  61.9% Unrealised gain/ (losses) on securities & d

  10. Slide 10: Overheads: FY2016

    Overheads: FY2016 Low cost growth of 2.8% YoY arising from strategic cost management programme initiatives and natural attrition Group overheads composition (RM’ mil) FY2016 FY2015 YoY Personnel Costs 5,647.4 5,765.1 (2.0)% Establishment Costs 1,887.7 1,721.1 9.7% Marketing Expenses 522.1 607.3 (14.

  11. Slide 11: Group Gross Loans Growth: 31 December 2016

    Group Gross Loans Growth: 31 December 2016 Group gross loans growth of 5.7% YoY, supported by stronger corporate lending growth and sustained growth in CFS % of Portfolio 31 Dec 2016 31 Dec 2015 YoY Group Gross Loans 485.7 459.4  5.7% Malaysia (RM billion) 56% 272.0 255.9  6.3% Community Financial

  12. Slide 12: Malaysia Loans Growth: 31 December 2016

    Malaysia Loans Growth: 31 December 2016 Growth of 6.3% supported by increase in corporate, consumer and SME lending RM billion % of Portfolio 31 Dec 2016 31 Dec 2015 YoY Community Financial Services (reported) 71% 194.4 182.7  6.4% Community Financial Services (rebased) ¹ 71% 194.4 183.2  6.1% Con

  13. Slide 13: Selective Asset Growth: December 2016

    Selective Asset Growth: 31 December 2016 Group loans grew 5.7% YoY with controlled credit RWA growth of 0.7% YoY Group Gross Loans Total Group RWA Group Credit RWA +5.7% +12.0% +1.7% 485.7 +5.8% +0.7% 459.4 +6.8% 410.5 379.6 373.3 352.9 327.2 329.5 306.2 RM billion RM billion RM billion Dec 14 Dec 1

  14. Slide 14: Group Deposits Growth: 31 December 2016

    Group Deposits Growth: 31 December 2016 Growth of 5.2% YoY driven primarily from robust CASA growth across home markets % of Portfolio 31 Dec 2016 31 Dec 2015 YoY Group Gross Deposits 521.4 495.8  5.2% Malaysia (RM billion) 58% 301.3 292.2  3.1% Savings Deposits 14% 42.1 40.0  5.1% Current Accoun

  15. Slide 15: NIM Trend: Full Year FY2016

    NIM Trend: Full Year FY2016 Full year NIM of 2.27% with moderate compression of 4bps YoY Net Interest Margin (%) 5-Year Trend 2.48 2.43 2.31 2.31 2.27 FY2012 FY2013 FY2014 FY2015 FY2016 14

  16. Slide 16: LDR and CASA Ratio: 31 December 2016

    LDR and CASA Ratio: 31 December 2016 Group CASA ratio improved YoY and QoQ, driven by CASA growth in three home markets Group LDR CASA Malaysia 92.7% * 89.9% * 88.5%* 90.9% * 93.2% * 92.3% * 90.2%* 96.0% * 91.3%* 89.1% * 33.7% 33.3% 33.4% 34.5% 35.7% 37.1% 37.5% 38.0% 36.9% 35.9% Dec 15 Mar 16 Jun 1

  17. Slide 17: Strong Liquidity: December 2016

    Strong Liquidity: 31 December 2016 Group LCR of 152%, above BNM minimum requirement of 70% for 2016 Liquidity Coverage Ratio Group Liquidity Coverage Ratio (%) Short-term resilience – Adequate level of high-quality liquid assets to meet Objective liquidity need for next 30 days under significant str

  18. Slide 18: Asset Quality

    Asset Quality Slight uptick in Group GIL ratio to 2.28% QoQ Allowance for losses on loans Group GIL Ratio Composition Dec Sep Jun Mar Dec GIL Ratio Components Allowances for losses on loans 2016 2016 2016 2016 2015 Loan loss coverage (LLC) Non Performing Loans 1.64% 1.35% 1.32% 1.39% 1.15% (NPL) Res

  19. Slide 19: Asset Quality by Market

    Asset Quality by Market Continued proactive management of asset quality in home markets Malaysia Singapore Indonesia Gross Impaired Loans Net Impaired Loans 4.36 4.15 4.21 3.99 2.23 4.06 2.14 2.06 1.28 1.38 1.30 0.98 1.83 0.45 1.76 1.78 1.63 3.30 3.44 1.45 1.44 3.25 1.36 2.99 1.08 1.16 1.07 2.86 0.7

  20. Slide 20: Asset Quality by Line of Business: Malaysia

    Asset Quality by Line of Business: Malaysia Stable consumer and retail SME portfolios, with uptick mainly stemming from business and corporate banking portfolios GIL Ratio Consumer Mortgage Auto Finance Credit Cards 0.60 0.61 0.55 0.85 0.58 0.52 0.53 0.80 0.57 0.51 0.79 0.79 0.55 0.49 0.72 Dec 15 Ma

  21. Slide 21: Asset Quality by Line of Business: Singapore

    Asset Quality by Line of Business: Singapore Stable consumer portfolio; GIL ratio uptick for business segments in line with weaker operating environment GIL Ratio Consumer Mortgage Auto Finance Credit Cards 0.47 0.47 0.34 0.38 2.66 0.33 0.29 0.32 2.45 2.32 2.13 2.26 0.44 0.45 0.42 Dec 15 Mar 16 Jun

  22. Slide 22: Asset Quality by Line of Business: Indonesia

    Asset Quality by Line of Business: Indonesia Overall improvement in asset quality, with some uptick in mortgage and business banking GIL Ratio Consumer Mortgage Auto Finance* Credit Cards 0.99 1.10 1.02 2.56 1.51 0.95 2.46 1.27 0.76 2.41 0.90 0.95 2.35 0.63 2.28 Dec 15 Mar 16 Jun 16 Sep 16 Dec 16 De

  23. Slide 23: Commodities Exposure: 31 December 2016

    Commodities Exposure: 31 December 2016 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 Agriculture Maybank Maybank Group 1.79% Oil & Gas Malaysia Singapore Indonesia Othe

  24. Slide 24: Strong Capital Position: 31 December 2016

    Strong Capital Position: 31 December 2016 Total capital ratio at 18.94% (assuming 85% dividend reinvestment rate) and CET1 at 13.63% After proposed dividend, Before proposed dividend Regulatory Requirements assuming 85% reinvestment rate Jan 2019 2016 2017 2018 Onwards Group 19.29% 18.94% 17.74% Min

  25. Slide 25: Dividend: FY2016

    Dividend: FY2016 Total dividend of 52 sen per share for FY2016, with a strong dividend yield of 6.3% Gross Dividend (sen) and Payout Ratio (%) Dividend 79.9% 78.5% 78.1% Payout Ratio 76.5% 74.9% 74.7% 76.3% 71.9% 61.0% 65.0 60.0 57.0 55.0 53.5 54.0 52.0 33 # 32 36.0 85.7%* 33 Final 86.1%* 31 30 32 4

  26. Slide 26: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Strategic Objectives, Prospects & Outlook 26 Appendix: 1. Financial Performance 31 2. Community Financial Services 44 3. Global Banking 49 4. Maybank Singapore 54 5. Maybank Indonesia 58 6. Other segments 63 7. Affiliates 68 Financial 25 Resul

  27. Slide 27: Maybank2020: Strategic Objectives Progress (1/2)

    Maybank2020 : Strategic Objectives Progress (1/2) Key FY2016 Achievements 1 • Group Regional Wealth Management recorded strong 26.1% growth in YoY PBT. Total AUM The Top ASEAN reached over RM250 billion, representing 12.7% growth from 2015 Community Bank • Regional SME recorded 21.1% growth in PBT •

  28. Slide 28: Maybank2020: Strategic Objectives Progress (2/2)

    Maybank2020 : Strategic Objectives Progress (2/2) FY2017 Priorities 1 • Growth will continue to be driven by segmentation model with intensified focus on cross sell and stepping up new fee income growth engines. The Top ASEAN • Continue to strive to lead in areas of innovation on digital offerings t

  29. Slide 29: Market Outlook

    Market Outlook 2017 outlook for our home markets Key Indicators Outlook • GDP (f) 4.4% (2016: 4.2%) • Slowdown in loan growth to 4.7% (2016: 5.3%) • System loan (f) 4.7% for 2017 • Competition for deposits to remain keen • OPR(f) 3.00% (2016: 3.00%) • Credit cost uptick on ongoing NPL issues • USD/M

  30. Slide 30: Maybank's Group Guidance FY2017

    Maybank’s Group Guidance FY2017 Drive income growth • Expand fee income stream • Drive Group wide cross selling initiatives • Sharpen margin & segment focus • Manage NIM compression Improve productivity • Maintain positive JAWs across business segments Proactively managing asset quality • Proactivel

  31. Slide 31: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Strategic Objectives, Prospects & Outlook 26 Appendix: 1. Financial Performance 31 2. Community Financial Services 44 3. Global Banking 49 4. Maybank Singapore 54 5. Maybank Indonesia 58 6. Other segments 63 7. Affiliates 68 Financial 30 Resul

  32. Slide 32: International & Malaysia Portfolio Mix Full Year FY2016

    International & Malaysia Portfolio Mix Full Year FY2016 Net Operating Income Profit Before Tax Gross loans FY2016 (Jan 16 – Dec 16) Overseas: 7.5% Overseas: 4.0% Overseas: 9.1% 38.1% 22.8% 8.9% 43.3% 14.6% 8.6% 9.9% RM22.26b RM8.84b RM485.7b 16.0% 56.7% 61.9% 25.5% 77.2% Malaysia Singapore Indonesia

  33. Slide 33: Income Statement for Insurance and Takaful Business: YoY

    Income Statement for Insurance and Takaful Business: YoY RM million FY2016 FY2015 YoY Net interest income 995.0 895.3 11.1% Net earned premiums 4,444.1 4,196.7 5.9% Other operating income 408.1 327.9 24.5% Total operating income 5,847.1 5,419.8 7.9% Net insurance benefits & claims incurred, net fee

  34. Slide 34: Group Asset Quality: 31 December 2016

    Group Asset Quality: 31 December 2016 Group Impaired Loans Ratio Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) 2.34 2.28 2.11 2.22 1.86 1.52 1.50 1.56 1.54 1.64 1.72 1.52 1.51 1.15 1.14 1.38 1.04 1.06 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 * Bu

  35. Slide 35: Key Operating Ratios: YoY

    Key Operating Ratios: YoY (%) FY2016 FY2015 YoY FY2014 FY2013 Return on Equity 10.6 12.2 (1.6)% 13.8 15.1 Net Interest Margin 2.27 2.31 (4) bps 2.31 2.43 Fee to Income Ratio 31.3 31.5 (0.2)% 31.9 35.7 Loans-to-Deposit Ratio 93.2 ¹ 92.7 ¹ 0.5% 91.8 89.9 Cost to Income Ratio 2 47.3 48.2 (0.9)% 48.9 47

  36. Slide 36: P&L Summary: QoQ

    P&L Summary: QoQ 1Q 2Q 3Q 4Q 4Q RM million QoQ YoY FY2016 FY2016 FY2016 FY2016 FY2015 Net fund based income 3,823.1 3,780.3 3,728.6 3,969.3 6.5% 3,773.5 5.2% Net fee based income 1,568.7 1,565.6 1,729.0 2,098.6 21.4% 1,841.2 14.0% Net operating income 5,391.8 5,345.9 5,457.6 6,067.9 11.2% 5,614.8 8.

  37. Slide 37: 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 FY2016 FY2016 FY2016 FY2016 FY2015 Net interest income 233.0 251.7 248.5 261.8 5.4% 228.8 14.4% Net earned premiums 1,168.6 1,064.6 1,018.4 1,192.5 17.1% 1,150.7 3.6% Other operating income 247.6 143.1 298.1 (

  38. Slide 38: Net Fee Based Income: QoQ

    Net Fee Based Income: QoQ 1Q 2Q 3Q 4Q RM million QoQ FY2016 FY2016 FY2016 FY2016 Commission, service charges and fees 901 872 895 982  9.7% Investment & Trading Income 235 249 254 625  >100.0% Unrealised gain/ (losses) on securities & derivatives 463 84 299 (676)  >(100.0)% Foreign Exchange Profi

  39. Slide 39: Group Overheads: QoQ

    Group Overheads: QoQ 1Q 2Q 3Q 4Q 4Q (RM’ mil) QoQ YoY FY2016 FY2016 FY2016 FY2016 FY2015 Personnel Costs 1,414.1 1,418.4 1,460.9 1,354.1 (7.3)% 1,586.7 (14.7)% Establishment Costs 475.9 465.4 495.5 451.0 (9.0)% 509.8 (11.5)% Marketing Expenses 140.0 135.2 116.2 130.7 12.5% 111.3 17.5% Administration

  40. Slide 40: Group Gross Loans Growth: QoQ

    Group Gross Loans Growth: QoQ 31 Mar 2016 30 Jun 2016 30 Sep 2016 31 Dec 2016 QoQ Group Gross Loans 441.7 451.1 461.2 485.7  5.3% Malaysia (RM billion) 252.6 257.3 261.5 272.0  4.0% Community Financial Services 184.1 187.2 190.6 194.4  2.0% Global Banking 69.4 71.4 72.2 78.8  9.1% International

  41. Slide 41: Malaysia Loans Growth: QoQ

    Malaysia Loans Growth: QoQ RM billion 31 Mar 2016 30 June 2016 30 Sep 2016 31 Dec 2016 QoQ Community Financial Services 184.1 187.2 190.6 194.4  2.0% Consumer 147.4 149.3 151.9 155.3  2.2% Total Mortgage 70.7 72.2 73.4 75.0  2.2% Auto Finance 40.6 41.3 42.4 43.4  2.3% Credit Cards 6.2 6.3 6.4 6.

  42. Slide 42: Group Deposits Growth: QoQ

    Group Deposits Growth: QoQ 31 Mar 2016 30 Jun 2016 30 Sep 2016 31 Dec 2016 QoQ Group Gross Deposits 491.5 510.1 507.9 521.4  2.7% Malaysia (RM billion) 294.1 306.8 289.3 301.3  4.2% Savings Deposits 41.4 42.0 41.8 42.1  0.6% Current Accounts 74.3 75.2 74.3 79.8  7.4% Fixed Deposits 163.5 173.6 1

  43. Slide 43: Key Operating Ratios: QoQ

    Key Operating Ratios: QoQ 1Q 2Q 3Q 4Q 4Q (%) QoQ YoY FY2016 FY2016 FY2016 FY2016 FY2015 Return on Equity 9.3 7.5 11.4 14.8 3.4% 11.8 3.0% Net Interest Margin 2.34 2.23 2.22 2.32 10 bps 2.29 3 bps Fee to Income Ratio 29.1 29.3 31.7 34.6 2.9% 32.8 1.8% Loans-to-Deposit Ratio¹ 89.9 88.5 90.9 93.2 2.3%

  44. Slide 44: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Strategic Objectives, Prospects & Outlook 26 Appendix: 1. Financial Performance 31 2. Community Financial Services 44 3. Global Banking 49 4. Maybank Singapore 54 5. Maybank Indonesia 58 6. Other segments 63 7. Affiliates 68 Financial 43 Resul

  45. Slide 45: Community Financial Services: Overview of Market Share for Malaysia

    Community Financial Services: Overview of Market Share for Malaysia Sep-16 Market Market share Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 vs position Dec-16 Loans Total consumer (Household) 17.5% 17.4% 17.4% 17.5% 17.6% # 2 Auto (Purchase of transport vehicles) 23.7% 23.7% 24.1% 24.7% 25.4% # 2 Total mortga

  46. Slide 46: Community Financial Services: Overview of Malaysia Loans Portfolio

    Community Financial Services: Overview of Malaysia Loans Portfolio Consumer loans grew 5.8% YoY to RM155.3 billion led by Business Banking + SME loans grew by 9.1% YoY to RM39.1 mortgage growth of 8.4% billion led by SME growth of 23.1% Domestic Industry Average 5.3% YoY +5.8% YoY 70 +2.2% QoQ +9.1%

  47. Slide 47: Community Financial Services: Overview of Malaysia Deposits Portfolio

    Community Financial Services: Overview of Malaysia Deposits Portfolio CFS deposits grew 3.7% YoY to RM214.0 billion Consumer deposits grew 6.7% to RM136.8 billion Domestic Industry Average 4.8% YoY +3.7% YoY +1.7% QoQ +6.7% YoY 214.0 +1.6% QoQ 220 206.3 210.5 200 180 200 160 136.8 128.2 134.7 180 14

  48. Slide 48: Community Financial Services: Overview of CFS Malaysia Asset Quality

    Community Financial Services: Overview of CFS Malaysia Asset Quality CFS GIL increased marginally to 2.1% due to a slight Consumer GIL remained stable at 0.5%, lower than the uptick in Business Banking (BB) GIL industry average of 1.1% 4,500.0 4,134.0 5.0% 900 2.0% 3,822.5 764.3 739.0 4,000.0 800 3,

  49. Slide 49: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Strategic Objectives, Prospects & Outlook 26 Appendix: 1. Financial Performance 31 2. Community Financial Services 44 3. Global Banking 49 4. Maybank Singapore 54 5. Maybank Indonesia 58 6. Other segments 63 7. Affiliates 68 Financial 48 Resul

  50. Slide 50: Global Banking: Overview of Malaysia Corporate Banking Portfolio

    Global Banking: Overview of Malaysia Corporate Banking Portfolio Total GB loans increased 6.8% YoY to RM78.8 billion Trade Finance market share ¹ 26.2% RM billion 25.5% 25.5% 39.2 25.3%  (4.7)% YoY 25.0% Term Loan 38.0 41.1 Dec 15 Mar 16 Jun 16 Sep 16 Dec 16 27.9 ¹ Market share of total trade produ

  51. Slide 51: Global Banking: Overview of Group Global Markets Portfolio

    Global Banking: Overview of Group Global Markets Portfolio Global Market’s revenue grew by 25.8% YoY Group Securities Portfolio grew 5.5% YoY Revenue Profit before Tax  +5.5%  +21.3% 126.2 124.9 118.0  +25.8% 124.4 111.8 2,701.9 11.4 12.5 12.0 3,493.3 9.4 2,227.6 10.3 2,776.7 50.1 49.8 51.8 RM mi

  52. Slide 52: Global Banking: Overview of Group Investment Banking Portfolio

    Global Banking: Overview of Group Investment Banking Portfolio FY2016 Total Income Total Income for Maybank Kim Eng Thailand Other 4% +1% Philippines 5% 5% Hong Kong 1,498.7 3% 1,479.5 Malaysia 33% RM 1,498.8 mil RM’Million Indonesia 22% Singapore FY2015 FY2016 28% FY2016 Brokerage Market Share by

  53. Slide 53: Global Banking: Notable Deals for FY2016

    Global Banking: Notable Deals for FY2016 52

  54. Slide 54: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Strategic Objectives, Prospects & Outlook 26 Appendix: 1. Financial Performance 31 2. Community Financial Services 44 3. Global Banking 49 4. Maybank Singapore 54 5. Maybank Indonesia 58 6. Other segments 63 7. Affiliates 68 Financial 53 Resul

  55. Slide 55: Maybank Singapore: P&L Summary

    Maybank Singapore: P&L Summary (SGD mil) FY2016 FY2015 YoY Net Fund Based income 521.00 600.80 (13.3)% Net Fee Based income 270.95 229.48 18.1% Net income 791.96 830.28 (4.6)% Overhead expenses (349.84) (350.89) (0.3)% Operating profit 442.12 479.39 (7.8)% Profit before taxation 240.48 400.63 (40.0)

  56. Slide 56: Maybank Singapore: Overview of Loans Portfolio

    Maybank Singapore: Overview of Loans Portfolio Diversified Loan Portfolio  +4.5% Other  Total loans expanded by 4.5% YoY to SGD 38.9 billion 37.2 38.9 (Consumer) as at 31 December 2016 3.4 3.5 Car Loan 1.8 1.8 Consumer  Consumer loans rose 1.2% YoY to SGD 15.0 billion. 39% Housing Loan Gains were

  57. Slide 57: Maybank Singapore: Overview of Deposits Portfolio

    Maybank Singapore: Overview of Deposits Portfolio Consumer deposits account for 54% of deposits Robust CASA growth of 35.3% YoY  +4.5% YoY 43.5 45.5 Time Deposits Consumer - Time Deposits Demand Deposits 19.0 18.0 Consumer 33.0 Savings 34.3 SGD billion SGD billion 54% Consumer CASA 4.8 6.4 Corporat

  58. Slide 58: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Strategic Objectives, Prospects & Outlook 26 Appendix: 1. Financial Performance 31 2. Community Financial Services 44 3. Global Banking 49 4. Maybank Singapore 54 5. Maybank Indonesia 58 6. Other segments 63 7. Affiliates 68 Financial 57 Resul

  59. Slide 59: Maybank Indonesia: P&L Summary – as Reported

    Maybank Indonesia: P & L Summary – as Reported (IDR bil) FY2016 FY2015 YoY 4Q FY2016 3Q FY2016 QoQ Net Fund Based income 6,608 5,961 10.8% 1,116 1,907 -41.5% Net Fee Based income 1,967 2,135 -7.9% 23 468 -95.2% Net income 8,575 8,097 5.9% 1,138 2,375 -52.1% Overhead expenses (4,534) (4,458) 1.7% (37

  60. Slide 60: Maybank Indonesia: P&L Summary – Proforma

    Maybank Indonesia: P & L Summary – Proforma Proforma Proforma Reported Reported (IDR bil) YoY 4Q FY2016 3Q FY2016 QoQ FY2016 FY2015 3 months 3 months Net Fund Based income 6,608 5,961 10.8% 1,719 1,689 1.7% Net Fee Based income 1,967 2,135 -7.9% 440 338 30.3% Net income 8,575 8,097 5.9% 2,159 2,027

  61. Slide 61: Maybank Indonesia: Portfolio Overview

    Maybank Indonesia: Portfolio Overview Loans composition (Consolidated) – proforma (Note 1) Net Interest Margin (Consolidated) IDR Trillion 7.0% YoY 101.9 108.2 115.7 4.76% 4.61% 90.0 4.45% 77.9 86.7 4.40% * 24.0 21.5 25.7 Dec-14 Dec-15 Dec-16 Dec-14 Dec-15 Dec-16 Global Banking Community Financial S

  62. Slide 62: Maybank Indonesia: Overview of Maybank Finance Operations

    Maybank Indonesia: Overview of Maybank Finance Operations Revenue and Profit Before Tax Financing IDR billion IDR billion 5,979 947 810 4,803 332 334 Dec-15 Dec-16 Dec-15 Dec-16 Revenue Profit Before Tax Asset Quality Unit Financing (unit) 50,631 51,212 47,529 47,925 0.45% 0.44% 0.35% 0.42% 0.39% 0.

  63. Slide 63: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Strategic Objectives, Prospects & Outlook 26 Appendix: 1. Financial Performance 31 2. Community Financial Services 44 3. Global Banking 49 4. Maybank Singapore 54 5. Maybank Indonesia 58 6. Other segments 63 7. Affiliates 68 Financial 62 Resul

  64. Slide 64: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance Maybank Islamic: Total Gross Financing grew by 14% to RM149.9 billion RM million FY2016 FY2015 YoY 17% Total Income 3,874.2 3,430.6 12.9% 10% Dec-15 Dec-16 2% 37.5 Profit Before Tax 1,945.4 1,715.8 13.4% 31.4 32.1 3

  65. Slide 65: Islamic Banking: Market Share

    Islamic Banking: Market Share Maybank Islamic Market Share (Malaysia) Market Share by Product (Malaysia) 33.9% 34.4% 35.0% 33.6% 33.5% 33.8% Key Products Dec-16 Dec-15 33.2% Automobile Financing 44.3% 42.2% 30.0% 31.3% 30.0% 30.3% 30.3% Home 28.3% 27.7% 29.2% 27.8% Term Financing 30.1% 30.2% 25.0% S

  66. Slide 66: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Gross Premium Life / Family (New Business) Market Share Single Premium -16.7% AIA Ins. & Tak. 21.5% Regular Premium 23.7% Prudential Ins. & Tak. 15.0% No. 4 in Life/Family Credit Premium  -22.2% FY2016 14.4% (New Business) Group Premium  8.9% GE Ins. &

  67. Slide 67: Maybank Philippines: Performance Overview

    Maybank Philippines: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 7.2% YoY, led by higher net interest +7.2% YoY income (NII). 5,314.2  Increase in NII contributed by higher loan income, mainly 4,958.4 from term loans.  PBT decreased by PESO 622 million or 65.4% YoY d

  68. Slide 68: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Strategic Objectives, Prospects & Outlook 26 Appendix: 1. Financial Performance 31 2. Community Financial Services 44 3. Global Banking 49 4. Maybank Singapore 54 5. Maybank Indonesia 58 6. Other segments 63 7. Affiliates 68 Financial 67 Resul

  69. Slide 69: An Binh Bank: Performance Overview

    An Binh Bank: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 20.4% YoY, mainly due to higher +20.4% YoY net interest income and fee income. 2,177.4  PBT increased more than 100% or VND180.5 billion YoY, 1,808.1 on the back of higher revenue.  Gross loans expanded by 20.

  70. Slide 70: MCB Bank: Performance Overview

    MCB Bank: Performance Overview Key Highlights Revenue and PBT  Revenue and PBT dropped by 7.6% and 14.2% YoY (7.6)% YoY respectively, mainly due lower net interest income (NII). 66.2 61.2  The decrease in NII was mainly attributed to lower (14.2)% YoY interest income from securities. 42.8 Revenue

  71. Slide 71: 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@

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