Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — Shareholder Meeting (April 2026)
20 slides from Malayan Banking Bhd's shareholder meeting presentation, Apr 30, 2026
Slide 1: Presentation to Shareholders by President and Group CEO
Presentation to Shareholders by President and Group Chief Executive Officer, Khairussaleh Ramli Date and time: Thursday, 30 April 2026 10.00 a.m.
Slide 2: 2025 Delivered Strong Returns, Anchored by Purpose
2025 Delivered Strong Returns, Anchored by Purpose Record Financial Performance Solid Capital, Liquidity & LLC Buffers Net Operating Net Return on Net Credit CET1 LCR Income Profit RM30.38 RM10.51 Equity Charge Off Rate 15.13% 138.2% 11.7% 8bps billion billion FY2024: 11.1% FY2024: 26bps Total C
Slide 3: Net Profit Uplift from Fee Momentum, Sustained Margins, Disciplined Cost
Net profit Uplift from Fee momentum, Sustained Margins, Disciplined Cost and Asset Quality Management RM billion YoY FY2024 FY2025 Net Operating Income 2.7% 29.57 30.38 Net Fund Based Income 2.7% 19.69 20.23 Non-interest Income (NOII) 2.7% 9.88 10.15 Overhead Expenses 2.6% (14.46) (14.84) Pr
Slide 4: Sustained Income Growth From Loans Expansion and Improved Funding Quality
Sustained Income Growth From Loans Expansion and Improved Funding Quality Net operating income • Healthy loans growth, stable NIM and prudent liquidity management RM30.38 billion • Active balance sheet management in portfolio rebalancing and 2.7% YoY diversifying funding sources • CASA ratio impro
Slide 5: Continued Growth in Core Non-Interest Income, Enhancing Earnings Quality
Continued Growth in Core Non-Interest Income, Enhancing Earnings Quality Net operating income • NoII increased on higher wealth, IB fees and investment and trading income RM30.38 billion gains 2.7% YoY • Fee-to-income ratio maintained at 33.4% from previous year Non-Interest Income (NoII) 2.7% Y
Slide 6: Operating Discipline Maintained Despite Inflationary Pressures and Ongoing Investments
Operating Discipline Maintained Despite Inflationary Pressures and Ongoing Investments Overhead Expenses • Cost growth remained contained at 2.6% YoY, lowest in recent years, RM14.84 billion reflecting continued cost control across the Group 2.6% YoY • CIR stayed broadly stable at 48.8%, supported
Slide 7: Asset Quality Remained Well-managed with Comfortable Loan Loss Coverage
Asset Quality Remained Well-managed with Comfortable Loan Loss Coverage Net Impairment Loss • Marginal YoY GIL increase, with sector exposures closely monitored RM1.48 billion • LLC >100%, supported by strong collateralisation and MOA buffers FY2024: RM1.65 billion • Further strengthened MOA, rein
Slide 8: Sustained Shareholder Returns and Sound Capital Levels
We Delivered Sustained Shareholder Returns and Maintained Sound Capital Levels Dividend Payout • Higher total dividend payout of RM7.61 billion RM7.61 billion • Dividend yield at 6.0% 63.0 sen per share (full cash) • Strong CET 1 of 15.13% Dividend Capital Levels Dividend 84.5% Group Bank 87.5%^^
Slide 9: M25+ Translated Strategy into Tangible Outcomes
M25+ Translated Strategy into Tangible Outcomes Leveraged Global Islamic leadership to build Global Islamic Leadership Wealth Management market leading solutions (IWM, Shariah WM, halal solutions, etc.) Higher Group Islamic Global Sukuk Wealth fees financing composition leadership2 +26.3% Reorganise
Slide 10: Purposeful Banking Delivered at Scale Across ASEAN
Purposeful Banking Delivered at Scale Across ASEAN Key actions across sustainable finance, inclusion and climate in 2025 Sustainable • Mobilised sustainable financing worth RM60.95 billion: Finance o Retail financing of RM10.46 billion and non-retail of RM50.49 billion (including MSMEs) Powering pro
Slide 11: Focus on Customer Experience, Especially Through Digital Means
Focus on Customer Experience, Especially Through Digital Means, Has Produced Positive Momentum Highlights Enhanced personalised customer experiences further in 2025 Digital Customer Base Enhanced Customer Improved Operational Leading Market Share 79.1% Engagement Speed Target: ≥ 80% 2023: 75.6% Over
Slide 12: Future-ready Workforce Supporting Stronger Performance
Future-ready Workforce Supporting Stronger Performance Equipped with future skills, digital tools and inclusive practices Next-gen Roles Growth Strengthened Leadership Digital Transformation Pipeline Partnership Next-gen roles surpassed target of >200 employees participated in Microsoft partnership
Slide 13: 2026 Outlook: Adapting to a More Selective Growth Environment
2026 Outlook: Adapting to a More Selective Growth Environment While Sustaining Opportunities Across Regional Markets 2026 Guidance Ongoing Geopolitical Uncertainty Clouding ASEAN-6 Growth Prospect ASEAN-6 GDP growth forecast in 2026 moderates to 4.4% (2025: 5.0%) Return on Equity Expectations Across
Slide 14: Now is the time…
Now is the time… to supercharge our business growth to capitalise on ASEAN’s growing significance Restricted 13
Slide 15: Our Reimagined Purpose Will Set Us Apart through Values-based Offerings
Our Reimagined Purpose Will Set Us Apart through Values-based Offerings… Our Purpose Values-based offerings and sustainability principles as HUMANISING FINANCIAL SERVICES an overarching theme Deliver Exceptional Experiences Impact Society Positively Power the Real Economy Our Business at Scale Leadi
Slide 16: …for Our Customers, Society and the Real Economy
…for Our Customers, Society and the Real Economy Deliver Exceptional Experiences Impact Society Positively Power the Real Economy For our Customers For the Communities For the Economies we are In Lead in quality-of-service Champion for good Uplift key drivers of real economies Digital-first omnichan
Slide 17: Key Financial Performance Indicators
Key Financial Performance Indicators 2025 2030 Target FY2020- Actual FY2025 2030 Target Return on equity 11.7% 13%-14% ~4% 5%-6% Net operating CAGR CAGR income growth FY2020-2025 FY2025- 2030 Net interest margin 2.05% >2.05% ~3% 5%-6% Overseas, ex-MY 48.8% ≤47% CAGR CAGR Cost-to-income ratio income
Slide 18: Technology Investments Will Yield Both Immediate and Longer-Term Returns
Technology Investments Will Yield Both Immediate and Longer-Term Returns Technology investment ~RM10 billion Modernise The Core Multi-year regional projects beyond 2030 Regional hybrid data center setup (on prem/cloud) Rapid development for short to Quick-win Fortifying security landscape, pro
Slide 19: Entering 2026 from a Position of Strength Amid Volatile Conditions
Entering 2026 from a Position of Strength Amid Volatile Conditions 1 M25+ successfully completed, translating strategy into performance through improved profitability and balance sheet and capital strength 2 Robust 2025 delivery, with record net profit of RM10.51 billion, ROE of 11.7%, well-defended
Slide 20: Htunantsin
Htunantsin Financial Services Maybank @Mymaybank Cf) @Maybank x) @Mymaybank in) @Maybank
Malayan Banking Berhad (Maybank) — Shareholder Meeting (April 2026) on 6ix