Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — H1 2017 Earnings Presentation

65 slides from Malayan Banking Bhd's earnings presentation, Aug 30, 2017

  1. Slide 1: Investor Presentation: Financial Results 2Q FY2017 and 1H FY2017

    Humanising Financial Services Investor Presentation Financial Results 2Q FY2017 and 1H FY2017 ended 30 June 2017 30 August 2017 www.maybank.com 0

  2. Slide 2: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 1Fi

  3. Slide 3: 1H FY2017 Overview

    1H FY2017 Overview Net income growth of 5.8% to RM11.4 billion, with net profit rising 29.9% to RM3.4 billion 1 • Net income growth of 5.8% YoY supported by growth in net fund based income of 10.9% YoY as Group loans grew 6.4% across home markets Net profit surged • NIM improved by 13bps YoY to 2.41

  4. Slide 4: FY2017 Key Performance Indicators Review

    FY2017 Key Performance Indicators Review Group to focus on picking up momentum in key markets in 2H FY2017 1H FY2017 Achievement FY2017 Key Performance Indicators Guidance Dec 2016 Mar 2017 Jun 2017 QoQ Annualised YoY Headline KPI Return on Equity 10%-11% - - - 9.7 - Other Guidance Group Loans Growt

  5. Slide 5: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 4Fi

  6. Slide 6: P&L Summary: 1H FY2017

    P&L Summary: 1H FY2017 Revenue and PPOP up 5.8% and 5.0% respectively, with net profit increasing 29.9% YoY on lower net impairment losses More 1H 1H 2Q 1Q 2Q details on RM million YoY QoQ YoY FY2017 FY2016 FY2017 FY2017 FY2016 s.7 Net fund based income * 8,261.4 7,447.2 10.9% 4,143.5 4,117.9 0.6% 3

  7. Slide 7: Franchise-Led Growth: 1H FY2017 (1/2)

    Franchise-Led Growth: 1H FY2017 (1/2) Growth in net income and PPOP, mainly driven by rise in Group Community Financial Services income Net Operating Income 1H FY2016  +5.8% Group Global Banking  (1.0)% 1H FY2017 1H FY2016: 4,625 1H FY2017: 4,579 11,363 10,738  +8.0%  (2.2)%  (7.1)%  +>100% 

  8. Slide 8: Franchise-Led Growth: 1H FY2017 (2/2)

    Franchise-Led Growth: 1H FY2017 (2/2) Net fund based income rose 10.9% YoY, supported by growth in all business pillars Net Fund Based Income 1H FY2016  +10.9% Group Global Banking  6.9% 1H FY2017 1H FY2016: 2,483 1H FY2017: 2,653 8,261 7,447  +8.6%  +7.1%  +3.9%  +36.4%  +13.2% 4,662 5,062 R

  9. Slide 9: Net Fee Based Income: 1H FY2017

    Net Fee Based Income: 1H FY2017 Lower net fee based income, arising mainly from unrealised losses on derivatives RM million 1H FY2016 1H FY2017 YoY Commission, service charges and fees 1,772 1,768  (0.2)% Investment & Trading Income 484 533  10.1% Unrealised gain/ (losses) on securities 201 319 

  10. Slide 10: NIM Trend: 1H FY2017

    NIM Trend: 1H FY2017 NIM improved 14 bps YTD to 2.41% Net Interest Margin (%) 5-Year Trend 2.43 2.41 2.31 2.31 2.27 FY2013 FY2014 FY2015 FY2016 1H FY2017 9

  11. Slide 11: Overheads: 1H FY2017

    Overheads: 1H FY2017 Overheads growth of 6.7% YoY from higher personnel costs and A&G expenses; QoQ, overheads remained flat 1H 1H 2Q 1Q 2Q RM million YoY QoQ YoY FY2017 FY2016 FY2017 FY2017 FY2016 Personnel Costs 3,050.9 2,832.5 7.7% 1,543.9 1,507.0 2.5% 1,418.4 8.9% Establishment Costs 941.9 941.2

  12. Slide 12: Balance Sheet Management

    Balance Sheet Management Group loans growth of 6.4% YoY supported by Group CASA growth of 10.4% Group Malaysia Singapore Indonesia Gross Loans (YoY) Community Financial Services Global Banking  6.4 %  6.4%  4.9%  3.2% 273.8 257.3 119.3 123.1 71.4 +9.3% 78.0 23.5 +24.7% 29.3 SGD billion IDR trill

  13. Slide 13: Asset Quality: Loan Loss Coverage

    Asset Quality Group loan loss coverage of 70.1% and 92.6% (including regulatory reserve) Allowance for losses on loans Cashflow Coverage for Gross Impaired Loans Allowances for losses on loans Loan loss coverage Covered by 74.8% borrowers’ 72.0% expected 30% 70.5% 71.2% 37% 70.1%* cashflow 49% 64% 1

  14. Slide 14: Asset Quality: Group GIL Ratio

    Asset Quality Despite uptick in Group GIL ratio to 2.53%, formation of impaired loans growth further slowed to 4.3% QoQ Group GIL Ratio Composition GIL Ratio Components Jun 2017 Mar 2017 Dec 2016 Sep 2016 Jun 2016 Non Performing Loans (NPL) 1.79% 1.77% 1.64% 1.35% 1.32% Restructured & Rescheduled (R

  15. Slide 15: Asset Quality by Market

    Asset Quality by Market Stable QoQ asset quality trends in Malaysia and Indonesia but continued weakness in Singapore Malaysia Singapore Indonesia Gross Impaired Loans Net Impaired Loans 2.23% 4.36% 4.55% 4.42% 2.14% 2.06% 2.13% 2.12% 2.29% 4.06% 3.99% 1.38% 1.68% 0.98% 1.30% 1.78% 3.44% 3.54% 3.51%

  16. Slide 16: Asset Quality by Line of Business

    Asset Quality by Line of Business Asset quality weakness mainly in retail SME and corporate banking in Singapore and Indonesia Consumer Mortgage Auto Finance Credit Cards 2.0 0% 4.0 0% 2.56% 2.67% 2.41% 2.48% 1.51% 1.54% 2.35% 2.22% 3.0 0% 1.76% 1.40% 1.5 0% 1.51% 1.32% 1.27% 2.0 0% 1.23% 0.95% 2.32

  17. Slide 17: Commodities Exposure: June 2017

    Commodities Exposure: 30 June 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 Agriculture Maybank Oil & Gas Malaysia Singapore Indonesia Others Group Maybank Group 1

  18. Slide 18: Strong Capital Position: June 2017

    Strong Capital Position: 30 June 2017 Total capital and CET1 ratios (assuming 85% dividend reinvestment rate) at 18.98% and 13.56% respectively After proposed Before proposed dividend, Regulatory Requirements dividend assuming 85% reinvestment Jan 2019 rate 2017 2018 Onwards 19.29% 19.19% 18.98% Min

  19. Slide 19: Dividend

    Dividend Single-tier interim dividend of 23 sen consisting of 5 sen cash portion and 18 sen electable portion Gross Dividend (sen) and Payout Ratio (%) 79.9% 78.5% 78.1% Dividend 76.5% 74.9% 74.7% 71.9% 76.3% 72.2% Payout Ratio 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

  20. Slide 20: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 Fin

  21. Slide 21: MFRS 9 Preparation (1/3)

    MFRS 9 Preparation (1/3) Maybank Group’s implementation project timeline Maybank Group has established a project team with the assistance from external consultants to plan and manage the implementation of MFRS 9. This implementation project consists of three phases: Phase 1: Snapshot Progress Report

  22. Slide 22: MFRS 9 Preparation (2/3)

    MFRS 9 Preparation (2/3) Key differences of impairment assessments under MFRS 9 • Impairment assessment is now based on expected credit loss model (ECL) instead of incurred loss model. ECL is an estimate on losses expected from a credit event, such as a payment default. • Banks will now have to asse

  23. Slide 23: MFRS 9 Preparation (3/3)

    MFRS 9 Preparation (3/3) Key differences between MFRS 9 and MFRS 139 MFRS 9 MFRS 139 Assessment Exposure at Default Outstanding Balance Done (Drawn + Undrawn facility) (Drawn facility) Forward looking assumptions applied Provisioning to Probability of Default (PD) & Incurred Loss PD & LGD Method Los

  24. Slide 24: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 Fin

  25. Slide 25: LDR and CASA Ratio

    LDR and CASA Ratio Improved Group LDR ratio of 93.8% QoQ as deposits grew ahead of loans; CASA for Singapore and Indonesia improved Group LDR CASA CASA (without IA) Malaysia 93.9% 95.7% 93.8% 50.0% 96.2% 89.3% 91.6% 100.0% 89.4% 91.5% 90.8% 90.9% 80.0% 45.0% 90.0% 70.0% 80.0% 37.4% 70.0% 36.0% 36.8%

  26. Slide 26: Funding Composition and Utilisation: June 2017

    Funding Composition and Utilisation: 30 June 2017 Well-diversified funding sources with strong customer funding base and ample liquidity with Group LCR of 146% Balance Sheet Management Funding Breakdown Borrowings and Capital Instruments by Currency From Group’s Total Assets of RM752.1 billion FI De

  27. Slide 27: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 Fin

  28. Slide 28: Market Outlook

    Market Outlook 2017 industry outlook for our home markets Key Indicators Industry Outlook • GDP (f) 5.1% (2016: 4.2%) • Loans growth in 2H 2017 to be supported by • System loan (f) 5.4% for 2017 ongoing expansion in the non-household sector. • OPR(f) 3.00% (2016: 3.00%) • NIM expected to contract in

  29. Slide 29: Maybank Performance Outlook

    Maybank Performance Outlook Group performance in 2H 2017 Top line growth supported by selective loans growth 1 and fee income contribution 2 Growth for loan and deposit to be in line with industry growth NIM management through disciplined pricing 3 and continued CASA growth 4 Managed cost growth to

  30. Slide 30: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 Fin

  31. Slide 31: International & Malaysia Portfolio Mix 1H FY2017

    International & Malaysia Portfolio Mix 1H FY2017 Net Operating Income Profit Before Tax Gross loans* 1H FY2017 (Jan 17 – Jun 17) Overseas: 8.1% Overseas: 11.6% Overseas: 8.2% 42.5% 31.3% 42.3% 8.3% 15.3% 10.0% RM11.36b 9.7% RM4.49b RM480.1b 57.5% 25.8% 57.7% 19.1% 68.7% Malaysia Singapore Indonesia

  32. Slide 32: Net Fee Based Income: QoQ

    Net Fee Based Income: QoQ RM million 1Q FY2017 2Q FY2017 QoQ Commission, service charges and fees 860 908  5.6% Investment & Trading Income 232 301  29.4% Unrealised gain/ (losses) on securities 206 113  (45.1)% Unrealised gain/ (losses) on derivatives (76) 65  >100% Foreign Exchange Profit 76 4

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

    Unaudited Income Statement for Insurance and Takaful Business 1H 1H 2Q 1Q 2Q RM million YoY QoQ YoY FY2017 FY2016 FY2017 FY2017 FY2016 Net interest income 550.2 484.7 13.5% 299.1 251.1 19.1% 251.7 18.8% Net earned premiums 2,509.7 2,233.2 12.4% 1,255.8 1,253.9 0.2% 1,064.6 18.0% Other operating inco

  34. Slide 34: Group Gross Loans Growth: June 2017

    Group Gross Loans Growth: 30 June 2017 % of 30 Jun 2Q vs 1Q 31 Mar 1Q vs 4Q 31 Dec YTD 30 Jun YoY Portfolio 2017 QoQ 2017 QoQ 2016 Ann. 2016 Group Gross Loans 480.1  (1.2)% 486.1  0.1% 485.7  (2.3)% 451.1  6.4% Malaysia (RM billion) 57% 273.8  1.1% 270.7  (0.5)% 272.0  1.3% 257.3  6.4% Commu

  35. Slide 35: Malaysia Loans Growth: June 2017

    Malaysia Loans Growth: 30 June 2017 % of 30 Jun 2Q vs 1Q 31 Mar 1Q vs 4Q 31 Dec YTD 30 Jun RM billion YoY Portfolio 2017 QoQ 2017 QoQ 2016 Ann. 2016 Community Financial Services (reported) 72% 197.1  0.8% 195.6  0.6% 194.4  2.8% 187.2  5.3% Community Financial Services (rebased)¹ 72% 197.1  0.8

  36. Slide 36: Group Deposits Growth: June 2017

    Group Deposits Growth: 30 June 2017 % of 30 Jun 2Q vs 1Q 31 Mar 1Q vs 4Q 31 Dec YTD 30 Jun YoY Portfolio 2017 QoQ 2017 QoQ 2016 Ann. 2016 Group Gross Deposits 511.7  0.7% 508.1  (1.7)% 517.1  (2.1)% 505.6  1.2% Malaysia (RM billion) 59% 304.9  1.0% 301.8  0.3% 300.9  2.7% 305.9  (0.3)% Savin

  37. Slide 37: Key Operating Ratios

    Key Operating Ratios 1H 1H 2Q 1Q 2Q (%) YoY QoQ YoY FY2017 FY2016 FY2017 FY2017 FY2016 Return on Equity 9.7 8.3 1.4% 9.6 10.0 (0.4)% 7.5 2.1% Net Interest Margin 2.41 2.28 13 bps 2.39 2.43 (4) bps 2.23 16 bps Fee to Income Ratio 27.3 30.6 (3.3)% 28.7 25.9 2.8% 31.7 (3.0)% Loans-to-Deposit Ratio 93.8

  38. Slide 38: MFRS 9 Preparation (1/2)

    MFRS 9 Preparation (1/2) Credit loss provided under MFRS 9 standards (FOR ILLUSTRATION PURPOSES ONLY)  Under MFRS 9, there are three categories: Performing, Under Performing and Non Performing.  The ‘Performing’ category applies 12-mth expected credit loss (ECL). The ‘Under Performing’ and ‘Non Pe

  39. Slide 39: MFRS 9 Preparation (2/2)

    MFRS 9 Preparation (2/2) Credit loss provided under MFRS 139 standards (FOR ILLUSTRATION PURPOSES ONLY)  Under MFRS 139, there are only two categories: Performing and Non Performing.  The ‘Performing’ category applies 12-mth incurred loss PD and LGD for performing, watchlist and special mention lo

  40. Slide 40: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 Fin

  41. Slide 41: Community Financial Services: Overview of Market Share for Malaysia

    Community Financial Services: Overview of Market Share for Malaysia Mar-17 Market Market share Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 vs position Jun-17 Loans Total consumer (Household) 17.4% 17.5% 17.6% 17.5% 17.5% # 2 Auto (Purchase of transport vehicles) 24.1% 24.7% 25.4% 25.8% 25.7% # 2 Total mortga

  42. Slide 42: Community Financial Services: Overview of Malaysia Loans Portfolio

    Community Financial Services: Overview of Malaysia Loans Portfolio Consumer loans grew 5.7% YoY to RM157.7 billion led by Business Banking + SME loans grew by 4.0% YoY to RM39.4 mortgage and auto finance growth billion led by SME growth of 21.3% YoY  +5.7% YoY  +4.0% YoY  +3.1% YTD Ann.  +1.7% Y

  43. Slide 43: Community Financial Services: Overview of Malaysia Deposits Portfolio

    Community Financial Services: Overview of Malaysia Deposits Portfolio Total CFS deposits contracted by -3.6% YoY, due to Consumer deposits grew +2.8% YoY reduction in costly fixed deposits  (3.6)% YoY  +2.8% YoY  (5.6)% YTD Ann.  +0.9 % YTD Ann. 200.0 250.0 215.8 214.0 180.0 208.0 160.0 136.8 13

  44. Slide 44: Community Financial Services: Overview of CFS Malaysia Asset Quality

    Community Financial Services: Overview of CFS Malaysia Asset Quality Total CFS GIL relatively stable at 2.2% Consumer GIL remained stable at 0.5% 4,134.3 4,257.7 3,931.1 739.0 792.1 736.3 2.1 2.1 2.2 0.5 0.5 0.5 Jun 16 Dec 16 Jun 17 Jun 16 Dec 16 Jun 17 GIL (RM'm) GIL (%) GIL (RM'm) GIL (%) Slight u

  45. Slide 45: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 Fin

  46. Slide 46: Global Banking: Overview of Malaysia Corporate Banking Portfolio

    Global Banking: Overview of Malaysia Corporate Banking Portfolio Total GB loans increased 9.3% YoY to RM78.0 billion Trade Finance market share 26.2% 25.5% RM billion 25.3% 25.1% 24.7% 38.8 +6.0% YoY Term Loan 39.2 36.6 Jun 16 Sep 16 Dec 16 Mar 17 Jun 17 28.0 Note: Market share of total trade produc

  47. Slide 47: Global Banking: Overview of Group Global Markets Portfolio

    Global Banking: Overview of Group Global Markets Portfolio Group Securities Portfolio* grew 6.9% YoY Group Securities Portfolio*: 38.2% Foreign Securities as at 1H FY2017 1H FY2016 1H FY2017 Others Others (NIDs, BA, etc) Government (NIDs, BA, etc) Government  +6.9% Securities 6.5% Securities 9.6% P

  48. Slide 48: Global Banking: Overview of Group Investment Banking Portfolio

    Global Banking: Overview of Group Investment Banking Portfolio 1H FY2017 Total Income Breakdown by Country Total Income for Maybank Kim Eng Hong Kong Others  (7.1)% Philippines 5% 4% 2% 800.00 Indonesia 726.0 4% 700.00 674.7 Malaysia 36% 600.00 RM674.7 mil RM mil Thailand 500.00 23% 400.00 1H FY201

  49. Slide 49: Global Banking: Notable Deals for 1H FY2017

    Global Banking: Notable Deals for 1H FY2017 48

  50. Slide 50: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 Fin

  51. Slide 51: Maybank Singapore: P&L Summary

    Maybank Singapore: P&L Summary (SGD mil) 1H FY2017 1H FY2016* YoY Net Fund Based income 334.27 270.23 +23.7% Net Fee Based income 161.42 132.75 +21.6% Net income 495.68 402.98 +23.0% Overhead expenses (185.55) (179.33) +3.5% Operating profit 310.13 223.65 +38.7% Profit before taxation 150.63 147.83

  52. Slide 52: 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  +4.9% YoY  (6.7)% YoY 36.7 38.9 38.5 Other 45.2 44.5 42.2 (Consumer) Consumer - 3.4 3.5 3.4 Car Loan 1.7 1.8 1.9 Time Deposits Consumer 17.1 14.8 Consumer 19.8 40%

  53. Slide 53: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 Fin

  54. Slide 54: Maybank Indonesia: P&L Summary

    Maybank Indonesia: P&L Summary (IDR bil) 1H FY2017 1H FY2016* YoY 2Q FY2017 1Q FY2017 QoQ Net Fund Based income 3,836 3,585 7.0% 1,936 1,900 1.9% Net Fee Based income 1,457 1,334 9.2% 890 567 57.0% Net income 5,292 4,919 7.6% 2,826 2,467 14.6% Overhead expenses (3,064) (2,770) 10.6% (1,621) (1,444)

  55. Slide 55: 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  +20.4%  +21.9% 527 6,722 437 5,514  +20.4% 175 145 Jun 16 Jun 17 Jun 16 Jun 17 Revenue Profit Before Tax Asset Quality Unit Financing (unit)  (10.8)%  (11.0)%

  56. Slide 56: 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  +8.8%  +5.5% 5,531 1020 5,243 937  +52.6% 49 75 Jun 16 Jun 17 Jun 16 Jun 17 Revenue Profit Before Tax Asset Quality Unit Financing (‘000 unit)  (7.7)% 3.84% 3.55%

  57. Slide 57: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 Fin

  58. Slide 58: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance Maybank Islamic: Total Gross Financing grew to RM154.5 billion RM million 1H FY2017 1H FY2016 YoY 14% 7% Total Income 2,170.8 1,820.7 19.2% 5% Profit Before Tax 1,267.6 826.6 53.4% 24% Financing & Advances 165,004.

  59. Slide 59: Islamic Banking: Market Share

    Islamic Banking: Market Share Maybank Islamic Market Share (Malaysia) as of June 2017 Market Share by Product (Malaysia) as of June 2017 34.4% 33.8% 33.9% 33.9% 33.9% Key Products Jun 17 Jun 16 Automobile Financing 44.7% 42.9% 31.3% Home 28.1% 28.0% 30.3% 30.3% 29.7% 29.5% Term Financing 29.6% 29.9%

  60. Slide 60: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Gross Premium Life / Family (New Business) Market Share Single Premium  >100% 1H FY2017 AIA Ins. & Tak. 22.1% Regular Premium  14.5% 1H FY2016 Prudential Ins. & Tak. 14.8% No. 4 in Life/Family Credit Premium  23.5% Group Premium  0.2% GE Ins. & Tak. 14

  61. Slide 61: Maybank Philippines: Performance Overview

    Maybank Philippines: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 8.2% YoY, led by higher net interest + 8.2% YoY income (NII).  Increase in NII contributed by higher interest income from 2,837.7 term loans. 2,623.2  PBT increased by 102.9% YoY driven by higher revenu

  62. Slide 62: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 MFRS 9 Update 20 Liquidity Update 24 Prospects & Outlook 27 Appendix: 1. Financial Performance 30 2. Community Financial Services 40 3. Global Banking 45 4. Maybank Singapore 50 5. Maybank Indonesia 53 6. Other segments 57 7. Affiliates 62 Fin

  63. Slide 63: An Binh Bank: Performance Overview

    An Binh Bank: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 32.7% YoY, mainly due to higher net interest income and fee income. + 32.7 % YoY  PBT increased by 156.8% or VND162.3b YoY, mainly 1,252.0 contributed by higher revenue.  Gross loans expanded by 8.5.% YTD ann.

  64. Slide 64: MCB Bank: Performance Overview

    MCB Bank: Performance Overview Key Highlights Revenue and PBT  Revenue increased marginally by 0.2% YoY, owing to better + 0.2 % YoY Non-Interest Income (NOII).  Higher NOII was mainly attributed from gain on sale of 30.3 30.4 securities. (9.5)% YoY  PBT decreased by 9.5% YoY, mainly attributed t

  65. Slide 65: Malayan Banking Berhad Contact and Disclaimer

    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) — H1 2017 Earnings Presentation on 6ix