Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — Citi's 2025 ASEAN Summit: Kuala Lumpur Edition

43 slides from Malayan Banking Bhd's conference presentation, Dec 3, 2025

  1. Slide 1: Investor Presentation: Citi's 2025 ASEAN Summit, Kuala Lumpur Edition

    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 2-7 9M FY2025 Financial Performance 9-15 Appendix: 1. Group Performance 17-31 2. Business/Country Performance 33-41 1

  3. Slide 3: 9M FY2025: Net Profit Grew 3.7% YoY to RM7.84 billion with ROE Maintained at 11.5%

    9M FY2025: Net Profit Grew 3.7% YoY to RM7.84 billion with ROE Maintained at 11.5% from 1H FY2025; NIM Improved 2bps QoQ to 2.02% 9M FY2025 vs 9M FY2024 3Q FY2025 vs 3Q FY2024 9M FY2025 YoY Performance Highlights Net Operating Net Interest Net Operating Net Interest Income Income Margin Income Margi

  4. Slide 4: 9M FY2025: CASA Ratio Improved to 39.9%, Supported by Strong Liquidity and Capital Positions

    9M FY2025: CASA Ratio Improved to 39.9%, Supported by Strong Liquidity and Capital Positions; Provision Coverage Remained >100% As at 30 Sep 2025 Performance Highlights Group CASA Loan Loss Coverage Group Total Asset Quality Ratio Ratio (LLC) Capital Ratio QoQ, LLC reduced to 110.1% from 117.9% as a

  5. Slide 5: Supporting Real Economy Transition and Advancing Thought Leadership in Social Impact

    Supporting Real Economy Transition and Advancing Thought Leadership in Social Impact Sustainable Finance Driving Leadership in Sustainable Banking and Transition Finance Cumulative Achievement: RM156.32 bil 2025 Cumulative Target: RM80 bil MSCI ESG rating was upgraded from “AA” to “AAA”, the highest

  6. Slide 6: M25+ Progress: Super Growth Drivers Show Steady Progress Despite Moderate Markets

    M25+ Progress: Super Growth Drivers Show Steady Progress Despite Moderate Markets 9M FY2025 Progress (YoY) Total Committed M25+ Investments (Opex and Capex) SP5 Wealth management (WM) Total Wealth IWM Investment Tech-for-Tech 1 Fees AUM Others Continued IWM and cross-border customers expansion and r

  7. Slide 7: Improved GDP Forecasts for Home Markets Supported By Domestic Measures

    Improved GDP Forecasts for Home Markets Supported By Domestic Measures and As Tariff Uncertainty Abates 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

  8. Slide 8: Improved NIM and NCC trends as at 9Mths Leads To Revised FY2025 Guidance

    Improved NIM and NCC trends as at 9Mths Leads To Revised FY2025 Guidance Indicator (YTD Ann.) 9M FY2025 (Actual) Previous Guidance New Guidance Return on Equity 11.5% ≥11.3% On Track Cost to Income Ratio (YoY) 48.9% ≤49% On Track Net Credit Charge Off (NCC) Rate (11) bps ≤ (30) bps ≤ (20) bps Group

  9. Slide 9: Table of Contents

    Table of Contents Executive Summary 2-7 9M FY2025 Financial Performance 9-15 Appendix: 1. Group Performance 17-31 2. Business/Country Performance 33-41 8

  10. Slide 10: Net Fund Based Income Grew 1.6% YoY to RM14.90 billion supported by Loans Growth

    Net Fund Based Income Grew 1.6% YoY to RM14.90 billion supported by Loans Growth of 1.3% YTD Ann.; Group NIM at 2.03% Net Fund Based Income Net Interest Margin (NIM) QoQ  1.5%  2.5% (Ann.) 3Q’25 vs 3Q’24  1.6% YoY 3Q’25 vs 2Q’25 Trend 2.03% 2.06% 2.04% 2.00% 2.02% 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 14

  11. Slide 11: NoII Rose 6.3% YoY Driven by Higher Wealth Fees and Investment & Trading Income Gains

    NoII Rose 6.3% YoY Driven by Higher Wealth Fees and Investment & Trading Income Gains Non-Interest Income (NoII) 9M FY2025 YoY Performance  (10.8)%  4.8%  6.3% YoY 3Q’25 vs 2Q’25 3Q’25 vs 3Q’24  Wealth fee rose 23.6% on higher investment and banca 7.96 2.75 2.45 7.49 income. 2.34 1.82  Higher g

  12. Slide 12: Group Insurance & Takaful PBT Impacted by Softer Equity Market and Widened Credit Spread

    Group Insurance & Takaful PBT Impacted by Softer Equity Market and Widened Credit Spread, Cushioned by Improved Underwriting Profits Group Insurance & Takaful Key Drivers PBT • PBT decreased on lower net investment income affected by (RM million) softer equity market and unfavourable impact from yie

  13. Slide 13: Stable Cost-to-Income Ratio on Low Cost Increase of 3.8% YoY

    Stable Cost-to-Income Ratio on Low Cost Increase of 3.8% YoY CIR and Costs 48.7% 49.3% 48.9% 48.6% 48.9%  3.8% YoY  (3.5)%  3.7% 3Q’25 vs 2Q’25 3Q’25 vs 3Q’24 10.77 11.18 3.79 3.65 2.28 M25+ related spend 3.52 2.22 0.64 0.78 0.72 0.44 0.47 as at 9M FY2025 0.15 0.16 0.14 1.77 1.81 (RM million) 0.6

  14. Slide 14: Strong YTD Ann. CASA Growth of 12.0% Driven by All Home Markets

    Strong YTD Ann. CASA Growth of 12.0% Driven by All Home Markets; Supporting Healthy Group Liquidity Indicators Deposits YTD Ann. Growth Liquidity Indicators Group Malaysia (MY) Singapore (SG) Indonesia (IDN)  (0.5)%  2.7%  (3.7)%  13.7% 141.2% 741.9 138.1% 739.1 134.2% 459.6 468.8 Others 103.5 8

  15. Slide 15: Improved 9M FY2025 Net Credit Charge Off Rate to 11 bps

    Improved 9M FY2025 Net Credit Charge Off Rate to 11 bps Following MY Corporate Borrower Restructuring, With Group LLC Maintained >100% Loan ECL, NCC and LLC Gross Impaired Loans (GIL) P&L ECL Group GIL Volume and Ratio Country GIL Volume and Ratio (RM billion) 4.15% 3.97% 4.05%  (>100)%  (>100)% 

  16. Slide 16: Stronger Total Capital Ratio of 19.27% QoQ From Sub-Debt Issuances

    Stronger Total Capital Ratio of 19.27% QoQ From Sub-Debt Issuances of RM4.8 bil Ahead of Future Redemptions; Minimal RWA Growth YTD Capital Ratios Sep’25 Group Bank vs YTD Growth (%) Sep’24 Annualised (YoY) 18.04% 17.93% 19.27% 16.79% 18.53% 16.43% 15.27% 15.04% 15.30% 13.89% 13.75% 13.95% Group Loa

  17. Slide 17: Table of Contents

    Table of Contents Executive Summary 2-7 9M FY2025 Financial Performance 9-15 Appendix: 1. Group Performance 17-31 2. Business/Country Performance 33-41 16

  18. Slide 18: P&L Summary: 9M FY2025

    P&L Summary: 9M FY2025 9M 9M 3Q 2Q 1Q 3Q RM million YoY QoQ YoY FY2025 FY2024 FY2025 FY2025 FY2025 FY2024 Net fund based income * 14,897.0 14,659.1 1.6% 5,009.9 4,934.5 1.5% 4,952.5 4,888.5 2.5% Non-interest income * 7,963.4 7,491.3 6.3% 2,453.8 2,749.9 (10.8)% 2,759.6 2,340.8 4.8% Net operating inc

  19. Slide 19: International & Malaysia Portfolio Mix 9M FY2025

    International & Malaysia Portfolio Mix 9M FY2025 Net Operating Income Profit Before Tax Group Loans* 3.1% 5.2% 9M FY2025 5.3% 4.7% (Jan 25 – Sep 25) 8.0% 4.6% 19.4% Overseas: 19.0% RM22.86 Overseas: RM10.61 Overseas: 26.4% RM681.67 32.3% billion 27.2% billion 36.2% billion 63.8% 67.7% 72.8% Malaysia

  20. Slide 20: Segmental Business Portfolio Mix 9M FY2025

    Segmental Business Portfolio Mix 9M FY2025 Net Operating Income Profit Before Tax Group Loans* 9M FY2025 4.9% 8.8% (Jan 25 – Sep 25) 33.3% 35.3% RM22.86 RM10.61 RM681.67 39.5% billion billion billion 55.6% 64.7% 57.9% Group Community Financial Services Group Global Banking Group Insurance & Takaful

  21. Slide 21: Group Loans Growth: 30 September 2025

    Group Loans Growth: 30 September 2025 % of 31 Dec 2024 YTD 30 Sep 2025 30 Jun 2025 QoQ 30 Sep 2024 YoY Portfolio (Rebased) Annualised Group Loans 681.7 677.6  0.6% 675.0  1.3% 663.8  2.7% Malaysia (RM billion) 64% 435.2 429.3  1.4% 418.9  5.2% 410.5  6.0% Community Financial Services (rebased)

  22. Slide 22: Malaysia Loans Growth: 30 September 2025

    Malaysia Loans Growth: 30 September 2025 % of YTD RM billion 30 Sep 2025 30 Jun 2025 QoQ 31 Dec 2024 30 Sep 2024 YoY Portfolio Annualised Community Financial Services (rebased) 72% 312.8 307.8  1.6% 298.2  6.5% 292.9  6.8% Consumer 62% 271.3 266.6  1.8% 257.8  7.0% 252.3  7.5% Total Mortgage 3

  23. Slide 23: Singapore Loans Growth: 30 September 2025

    Singapore Loans Growth: 30 September 2025 YTD SGD Billion % of portfolio 30 Sep 2025 30 Jun 2025 QoQ 31 Dec 2024 30 Sep 2024 YoY Annualised Community Financial Services 57% 29.9 29.0  3.2% 28.3  7.6% 28.2  6.1% Consumer 43% 23.1 22.5  2.7% 22.1  6.2% 22.0  5.1% Mortgage 28% 14.9 14.6  2.1% 14

  24. Slide 24: Indonesia Loans Growth: 30 September 2025

    Indonesia Loans Growth: 30 September 2025 YTD IDR Trillion % of portfolio 30 Sep 2025 30 Jun 2025 QoQ 31 Dec 2024 30 Sep 2024 YoY Annualised Community Financial Services 70% 86.6 85.0  1.9% 83.1  5.6% 80.0  8.2% Consumer 38% 47.2 46.6  1.3% 45.5  4.7% 44.5  6.1% Mortgage 14% 17.0 17.1  (0.3)%

  25. Slide 25: Group Deposits Growth: 30 September 2025

    Group Deposits Growth: 30 September 2025 YTD % of Portfolio 30 Sep 2025 30 Jun 2025 QoQ 31 Dec 2024 30 Sep 2024 YoY Annualised Group Deposits 739.1 749.7  (1.4)% 741.9  (0.5)% 706.2  4.7% Total CASA 295.0 283.3  4.1% 270.6  12.0% 256.0  15.2% Total Fixed Deposits 358.9 373.9  (4.0)% 367.8  (

  26. Slide 26: LDR and CASA Ratio

    LDR and CASA Ratio Malaysia Group LDR CASA NSFR LCR * 138.1% 141.2% 134.2% 134.0% 135.7% 114.2% 116.4% 115.9% 117.3% 117.9% 92.4% 92.7% 93.5% 91.1% 91.8% 93.8% 90.2% 92.1% 90.7% 90.9% 41.2% 42.2% 42.2% 41.9% 43.2% 36.2% 36.5% 36.6% 37.8% 39.9% Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Sep 2024 De

  27. Slide 27: RWA Optimisation and Funding Management

    RWA Optimisation and Funding Management Group Loans & Group RWA Funding Breakdown Operational RWA Market RWA Credit RWA Gross Loans Borrowings and Capital Instruments by Currency 675.0 681.7 FI Deposits, 5% 663.8 Equity, 10% 446.5* 446.6* USD, 27% 439.7* 46.1 51.4 Repo, 2% 45.7 Borrowings, 4% IDR, 5

  28. Slide 28: Asset Quality

    Asset Quality Allowances for losses on loans GIL Ratio Composition P&L ECL 3Q 4Q 1Q 2Q 3Q 9M 9M Sep Dec Mar Jun Sep (RM million) FY2024 FY2024 FY2025 FY2025 FY2025 FY2024 FY2025 2024 2024 2025 2025 2025 Stage 1, net (78) (247) (130) (89) 26 (15) (193) Non Performing Loans 0.99% 0.98% 0.97% 0.95% 0.9

  29. Slide 29: 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 1.05% 1.06% 0.85% 0.91% 1.64% 1.65% 4.53% 0.89% 1.51% 4.10% 4.08% 3.97% 3.98% 0.76% 0.74% 0.77% 1.34% 0.70% 0.66% 1.19% 1.43% 1.37% 1.39% 0.59% 0.54% 0.57% 0.59% 0.59% 1.10% 1.17% 0.07% 0.08% 0.5

  30. Slide 30: Specific Asset Exposures as at 30 September 2025

    Specific Asset Exposures as at 30 September 2025 Oil & Gas Loan and Fixed Income Securities Exposures Real Estate Loan Exposure to Non-Retail Borrowers to Non-Retail Malaysian Borrowers Country Exposure Borrowers’ Status 19.8% High Rise Residential RM37.1 billion 14.7% Landed Residential Malaysia 1.

  31. Slide 31: Income Statement for Insurance and Takaful Business

    Income Statement for Insurance and Takaful Business RM million 9M FY2025 9M FY2024 YoY 3Q FY2025 2Q FY2025 QoQ 3Q FY2024 YoY Net interest income 1,256.9 1,296.1 (3.0)% 413.5 425.5 (2.8)% 432.1 (4.3)% Insurance/takaful service result 840.6 679.4 23.7% 201.8 284.4 (29.1)% 164.3 22.8% Other operating i

  32. Slide 32: Key Operating Ratios

    Key Operating Ratios % 9M FY2025 9M FY2024 YoY 3Q FY2025 2Q FY2025 QoQ 3Q FY2024 YoY Return on Equity 3 11.5 11.1 0.4% 11.6 11.6 0.0% 11.2 0.4% 3 Net Interest Margin (bps) 2.03 2.04 (1) bps 2.02 2.00 2 bps 2.03 (1) bps Fee to Income Ratio 34.8 33.8 1.0% 32.9 35.8 (2.9)% 32.4 0.5% 1 Loans-to-Deposit

  33. Slide 33: Table of Contents

    Table of Contents Executive Summary 2-7 9M FY2025 Financial Performance 9-15 Appendix: 1. Group Performance 17-31 2. Business/Country Performance 33-41 32

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

    Market Share Overview for Community Financial Services Malaysia Market share Sep 24 Dec 24 Mar 25 Jun 25 Sep 25 Loans Total consumer 19.2% 19.3% 19.4% 19.5% 19.6% Auto (Retail Hire Purchase) 29.6% 29.6% 29.3% 29.0% 28.9% Total mortgage * 15.9% 16.1% 16.3% 16.5% 16.6% Credit cards ** 21.6% 21.8% 21.5

  35. Slide 35: Sustained Digital Banking Leadership with Strong Digital Transaction Growth

    Sustained Digital Banking Leadership with Strong Digital Transaction Growth Data as at Sept 2025 From Malaysia’s digital transaction volume Group (i.e.: MY, SG, ID, PH, KH) In Malaysia: SME Digital Financing Mobile & Internet Mobile Internet 3-month Active Users RM4.58 bil approved loans since its l

  36. Slide 36: Overview: Group Wealth Management & Group Securities Portfolios

    Overview: Group Wealth Management & Group Securities Portfolios Group Wealth Management Group Securities Portfolio Total Financial Assets grew 13.6% YoY to RM565.21 billion on Group Securities Portfolio¹ increased 3.1% YoY investments and loans growth  +13.6% YoY  +7.2% YTD Ann. 269.1 259.9 252.0

  37. Slide 37: Overview of Group Investment Banking Portfolio

    Overview of Group Investment Banking1 Portfolio 9M FY2025 Total Income Breakdown by Country 9M FY2025 Non-Interest Income for Malaysia Hong Kong Philippines Underwriting commission 2.4% 0.4% Placement and related fees 2.4% Indonesia Others 6.2% Vietnam 4.7% 0.1% Corporate advisory fees 6.6% 6.6% Tha

  38. Slide 38: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance1 Maybank Islamic: Total Financing2 grew 9.1% YoY to RM313.2 billion 14.4% Sep 25 RM million 9M FY2025 9M FY2024 YoY Sep 24 Total Income 6,684.7 6,411.2 4.3% 5.6% 4.5% 12.9% Profit Before Tax and Zakat 3,247.4 2,972.2 9

  39. Slide 39: Islamic Banking: Market Share

    Islamic Banking: Market Share Maybank Islamic Market Share1 Market Share by Key Products (Malaysia)1 30.8% 30.7% 30.8% 30.9% 31.0% 42.7% 28.2% 30.8% Automobile Home Term Financing Financing Financing Sep 25 Sep 25 Sep 25 27.9% 27.7% 27.6% 27.9% 27.9% Sep 24: 45.4% Sep 24: 27.6% Sep 24: 29.2% Sep 24

  40. Slide 40: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Net Adjusted Premium/Contribution Life & Family (New Business) Market Share (Malaysia) Single Premium  (25.0)% Regular Premium  11.0% 19.3% 19.4% 16.0% 20.6% Credit Premium  (16.4)% 16.8% 18.5% 19.0% 15.8% No. 4 Group Premium 11.9% 11.6% 11.6% 12.0% in

  41. Slide 41: Maybank Singapore: P&L Summary

    Maybank Singapore: P&L Summary SGD million 9M FY2025 9M FY2024 YoY 3Q FY2025 2Q FY2025 QoQ Net fund based income 582.35 492.66 18.2% 200.17 189.12 5.8% Non-interest income 448.69 458.11 (2.1)% 161.88 143.30 13.0% Net income 1,031.05 950.77 8.4% 362.05 332.42 8.9% Overhead expenses (500.59) (460.67)

  42. Slide 42: Maybank Indonesia: P&L Summary and Financial Ratios

    Maybank Indonesia: P&L Summary and Financial Ratios 9M 9M 3Q 2Q Key Operating IDR billion YoY QoQ Sep 25 Dec 24 Sep 24 YoY FY2025 FY2024 FY2025 FY2025 Ratios Net Fund Based income 5,373 5,329 0.8% 1,799 1,796 0.2% Profitability & Efficiency Non-Interest income 1,579 1,427 10.7% 604 405 49.2% ROA 0.9

  43. Slide 43: Htunantsin

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

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