Malayan Banking Bhd. · MYX:MAYBANK

Malayan Banking Bhd — 1H FY2016 Earnings Presentation

64 slides from Malayan Banking Bhd's earnings presentation, Aug 25, 2016

  1. Slide 1: Investor Presentation: Financial Results 2Q FY2016 and 1H FY2016

    Humanising Financial Services Investor Presentation Financial Results 2Q FY2016 and 1H FY2016 ended 30 June 2016 25 August 2016 www.maybank.com 0

  2. Slide 2: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 25 Appendix: 1. Financial Performance 28 2. Community Financial Services 37 3. Global Banking 42 4. Maybank Singapore 47 5. Maybank Indonesia 51 6. Other segments 56 7. Affiliates 61 Financial 1 Results: 2Q FY2016 and 1H FY

  3. Slide 3: 1H FY2016 Performance Update

    1H FY2016 Performance Update Net operating income growth of 8.7% YoY to RM 10.74 billion with net profit of RM 2.59 billion 1 • Revenue growth supported by higher net fund and net fee based income growth: o Net fund based income rose 9.3% YoY as Group loans grew 4.3% Franchise-led growth o Net fee b

  4. Slide 4: FY2016 Headline Key Performance Indicators

    FY2016 Headline Key Performance Indicators Improved balance sheet growth QoQ QoQ Annualised YoY Key Performance Indicators FY2016 Guidance 1Q FY2016 2Q FY2016 1H FY2016 1H FY2016 Headline KPI Return on Equity (annualised) 11%-12% 9.3% 7.5% 8.3% - Other Guidance Group Loans Growth (reported) 8%-9% (3

  5. Slide 5: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 25 Appendix: 1. Financial Performance 28 2. Community Financial Services 37 3. Global Banking 42 4. Maybank Singapore 47 5. Maybank Indonesia 51 6. Other segments 56 7. Affiliates 61 Financial 4 Results: 2Q FY2016 and 1H FY

  6. Slide 6: P&L Summary: 1H FY2016

    P&L Summary: 1H FY2016 Strong PPOP growth of 10.6% YoY to RM5.5 billion, supported by good income growth and cost management More 1H 1H 2Q 1Q 2Q details RM million YoY QoQ YoY on FY2016 FY2015 FY2016 FY2016 FY2015 s.7 Net fund based income * 7,603.4 6,958.7 9.3% 3,780.3 3,823.1 (1.1)% 3,543.3 6.7% s

  7. Slide 7: Franchise-Led Growth

    Franchise-Led Growth PPOP growth of 10.6% supported by strong growth in Group Global Banking and Group Community Financial Services Net Operating Income 1H FY2015  +8.7% Group Global Banking (GB)  +17.5% 1H FY2016 10,738 9,876  +9.7%  +18.8%  +14.1%  (20.5)%  +1.2% 6,315 5,755 RM million 4,22

  8. Slide 8: Franchise-Led Growth: Net Fund and Fee Based Income

    Franchise-Led Growth Net fund based rose 9.3% YoY, mainly driven by growth of 15.0% in Group Community Financial Services (CFS) Net Fund Based Income 1H FY2015  +9.3% YoY 1H FY2016 Group Global Banking (GB)  +8.5% YoY 7,603 6,959  +15.0% YoY  +7.2% YoY  +43.3% YoY  (>100)% YoY  +7.1% YoY 4,86

  9. Slide 9: Group Gross Loans Growth: June 2016

    Group Gross Loans Growth: 30 June 2016 Improved QoQ group loans growth of 2.1%, supported by growth of 4.1% in Indonesia and 1.9% in Malaysia 30 Jun 31 Mar 2Q vs 1Q 31 Dec 1Q vs 4Q 30 Jun YoY 2016 2016 QoQ 2015 QoQ 2015 Group Gross Loans 451.1 441.7  2.1% 459.4  (3.9)% 432.5  4.3% Malaysia (RM bi

  10. Slide 10: Malaysia Loans Growth: June 2016

    Malaysia Loans Growth: 30 June 2016 Loans growth of 1.9% QoQ, arising from improved growth in corporate, consumer and SME segments 30 June 31 Mar 2Q vs 1Q 31 Dec 1Q vs 4Q 30 Jun RM billion YoY 2016 2016 QoQ 2015 QoQ 2015 Community Financial Services (reported) 187.2 184.1  1.7% 182.7  0.8% 175.3 

  11. Slide 11: Group Deposits Growth: June 2016

    Group Deposits Growth: 30 June 2016 Stronger QoQ group deposit growth of 3.8%, led by deposit growth of 4.3% in Malaysia 30 Jun 31 Mar 2Q vs 1Q 31 Dec 1Q vs 4Q 30 Jun YoY 2016 2016 QoQ 2015 QoQ 2015 Group Gross Deposits 510.1 491.5  3.8% 495.8  (0.9)% 453.5  12.5% Malaysia (RM billion) 306.8 294.

  12. Slide 12: NIM Trend: 1H FY2016

    NIM Trend: 1H FY2016 Slight NIM compression of 3 bps YTD Net Interest Margin QoQ Trend 2.38 2.34 5-Year Trend 2.28 2.29 2.23 2Q '15 3Q '15 4Q '15 1Q '16 2Q '16 2.48 2.43 2.31 2.31 2.28 FY2012 FY2013 FY2014 FY2015 1H FY2016 11

  13. Slide 13: Overheads: 1H FY2016

    Overheads: 1H FY2016 Lower YoY cost-to-income ratio of 48.7% and positive JAWs of 1.9%, as income growth outpaced cost growth Group overheads composition 1H 1H (RM’ mil) YoY 2Q FY2016 1Q FY2016 QoQ FY2016 FY2015 Personnel Costs 2,832.5 2,792.7 1.4% 1,418.4 1,414.1 0.3% Establishment Costs 941.2 737.

  14. Slide 14: LDR and CASA Ratio: Jun 2016

    LDR and CASA Ratio: 30 Jun 2016 Group LDR improved further to 88.5%, arising from better LDR trends in Malaysia and Singapore Group LDR CASA Malaysia 92.1% 93.4% 92.3% 90.2% 89.1% 95.4% 96.6% 92.7% 89.9% 88.5% 39.6% 41.1% 37.1% 36.9% 35.9% 34.9% 35.3% 33.7% 33.3% 33.4% Jun 15 Sep 15 Dec 15 Mar 16 Ju

  15. Slide 15: Strong Liquidity: Liquidity Coverage Ratio

    Strong Liquidity Group LCR well above Bank Negara minimum 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 stress scenario 148 141 148 Stock of high qua

  16. Slide 16: Asset Quality

    Asset Quality Stable loan loss coverage of 70.5% as at end June 2016 despite rise in impaired loans Allowance for losses on loans GIL Composition by Country for 1H FY2016 Allowances for losses on loans Others 100% LLC for Greater Greater China Loan loss coverage (LLC) China 6% 9% Singapore 83.4% 85.

  17. Slide 17: Asset Quality: GIL Ratio

    Asset Quality Group GIL ratio of 2.34% as at end June 2016, with slightly more than half coming from NPLs Group GIL Ratio Composition Group Impaired Loans Ratio GIL Ratio Components June March Dec Sept Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) 2016 2016 2015 2015 Non Performing Loa

  18. Slide 18: Asset Quality by Market

    Asset Quality by Market Uptick in GIL ratio for Malaysia arising from impaired accounts for business and corporate banking segments Malaysia Singapore Indonesia Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) 4.50 4.54 4.15 4.21 2.23 1.38 3.99 1.28 1.76 1.83 1.78 1.62 1.63 3.55 1.45 0.45

  19. Slide 19: Asset Quality: Malaysia

    Asset Quality: Malaysia Stable asset quality for consumer and SME portfolios, with uptick in business and corporate banking segments Consumer Mortgage Auto Finance Credit Cards 0.6% 0.6% 0.8% 0.8% 0.5% 0.5% 0.5% 0.5% 0.7% Jun 2015 Dec 2015 Jun 2016 Jun 2015 Dec 2015 Jun 2016 Jun 2015 Dec 2015 Jun 20

  20. Slide 20: Asset Quality: Singapore

    Asset Quality: Singapore Stable consumer portfolio; GIL ratio uptick for business segments due to weaker operating environment Consumer Mortgage Auto Finance Credit Cards 0.5% 2.7% 0.4% 0.4% 0.3% 0.3% 0.3% 2.4% 2.3% Jun 2015 Dec 2015 Jun 2016 Mar 2015 Dec 2015 Mar 2016 Jun 2015 Dec 2015 Jun 2016 Bus

  21. Slide 21: Asset Quality: Indonesia

    Asset Quality: Indonesia Moderating YoY asset quality trends for consumer and business segments in Indonesia Consumer Mortgage Auto Finance Credit Cards 3.6% 1.0% 0.8% 1.1% 2.5% 2.6% 1.0% 1.0% 0.6% Jun 2015 Dec 2015 Jun 2016 Jun 2015 Dec 2015 Jun 2016 Jun 2015 Dec 2015 Jun 2016 Business SME Business

  22. Slide 22: Commodities Exposure: June 2016

    Commodities Exposure: 30 June 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 1.73% Oil & Gas Malaysia Singapore Indonesia Others G

  23. Slide 23: Strong Capital Position: June 2016

    Strong Capital Position: 30 June 2016 Total capital ratio at 18.99% (assuming 85% dividend reinvestment rate) and CET1 at 13.59% After proposed dividend, Before proposed dividend assuming 85% Regulatory Requirements reinvestment rate Jan 2019 2016 2017 2018 Onwards Group 17.74% 19.17% 18.99% Minimum

  24. Slide 24: Dividend

    Dividend Board recommended single-tier interim dividend of 20 sen consisting of 4 sen cash portion and 16 sen electable portion Gross Dividend (sen) and Payout Ratio (%) Dividend 76.5% 79.9% 78.5% 77.4% Payout Ratio 76.3% 74.9% 74.7% 71.9% 61.0% 65.0 60.0 57.0 55.0 53.5 54.0 33 # 32 36.0 85.7%* 33 F

  25. Slide 25: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 25 Appendix: 1. Financial Performance 28 2. Community Financial Services 37 3. Global Banking 42 4. Maybank Singapore 47 5. Maybank Indonesia 51 6. Other segments 56 7. Affiliates 61 Financial 24 Results: 2Q FY2016 and 1H F

  26. Slide 26: Market Outlook

    Market Outlook 2016 outlook for our home markets Key Indicators Outlook • GDP (f) 4.1% (2015: 5.0%) • System loan (f) 6.5% • Moderation in overall industry loan growth • OPR(f) 2.75%-3.00% (2015: 3.25%) • Credit cost uptick on higher impaired loans • USD/MYR (f, end-period) 4.00 (2015: 4.29) • Cost

  27. Slide 27: Maybank Performance Outlook

    Maybank Performance Outlook Selective asset growth in 2H FY2016 to drive overall Group performance 1 Remain focused on selective asset growth 2 Maintain strong liquidity and capital positions 3 Continued emphasis on cost discipline and improving productivity Credit cost to trend lower in 2H. Downsid

  28. Slide 28: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 25 Appendix: 1. Financial Performance 28 2. Community Financial Services 37 3. Global Banking 42 4. Maybank Singapore 47 5. Maybank Indonesia 51 6. Other segments 56 7. Affiliates 61 Financial 27 Results: 2Q FY2016 and 1H F

  29. Slide 29: Net Fee Based Income: 1H FY2016 (YoY)

    Net Fee Based Income: 1H FY2016 (YoY) 1H 1H RM million YoY FY2016 FY2015 Commission, service charges and fees 1,772 1,883  (5.9)% Investment & Trading Income 484 471  +2.8% Unrealised gain/ (losses) on securities & derivatives 509 (261)  +>100% Foreign Exchange Profit 165 507  (67.5)% Other Inco

  30. Slide 30: Net Fee Based Income: 2Q FY2016 (QoQ)

    Net Fee Based Income: 2Q FY2016 (QoQ) RM million 2Q FY2016 1Q FY2016 QoQ Commission, service charges and fees 872 901  (3.2)% Investment & Trading Income 249 235  +6.2% Unrealised gain/ (losses) on securities & derivatives 404 106  +>100% Foreign Exchange Profit (161) 326  >(100)% Other Income 7

  31. Slide 31: 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 FY2016 FY2015 FY2016 FY2016 FY2015 Net interest income 484.7 453.9 6.8% 251.7 233.0 8.0% 225.9 11.4% Net earned premiums 2,233.2 2,037.4 9.6% 1,064.6 1,168.6 (8.9)% 1,050.3 1.4% Other operating income

  32. Slide 32: International & Malaysia Portfolio Mix 1H FY2016

    International & Malaysia Portfolio Mix 1H FY2016 Net Operating Income Profit Before Tax Gross loans 1H FY2016 (Jan 16 – Jun 16) Overseas: Overseas: 4.4% Overseas: 7.7% 37.8% 19.7% 9.2% 42.2% 8.9% 14.4% 6.1% 8.2% RM10.74b RM3.52b RM451.1b 15.7% 62.2% 25.1% 57.8% 80.3% Malaysia Singapore Indonesia Oth

  33. Slide 33: Group Gross Loans Growth YTD: June 2016

    Group Gross Loans Growth YTD: 30 June 2016 YTD % of Portfolio 30 Jun 2016 31 Dec 2015 Annualised Group Gross Loans 451.1 459.4  (3.6)% Malaysia (RM billion) 57% 257.3 255.9  1.1% Community Financial Services 73% 187.2 183.2¹  4.4% Global Banking 27% 71.4 73.3¹  (5.4)% International (RM billion)

  34. Slide 34: Malaysia Loans Growth YTD: June 2016

    Malaysia Loans Growth YTD: 30 June 2016 % of 30 Jun 31 Dec RM billion YTD Annualised Portfolio 2016 2015 Community Financial Services (reported) 73% 187.2 182.7  4.9% Community Financial Services (rebased) ¹ 73% 187.2 183.2  4.4% Consumer 58% 149.3 146.9  3.3% Total Mortgage 28% 72.2 69.2  8.8%

  35. Slide 35: Group Deposit Growth YTD: June 2016

    Group Deposit Growth YTD: 30 June 2016 % of Portfolio 30 Jun 2016 31 Dec 2015 YTD Annualised Group Gross Deposits 510.1 495.8  5.8% Malaysia (RM billion) 60% 306.8 292.2  10.0% Savings Deposits 14% 42.0 40.0  9.8% Current Accounts 25% 75.2 74.2  2.8% Fixed Deposits 56% 173.6 163.0  12.9% Others

  36. Slide 36: Key Operating Ratios

    Key Operating Ratios 1H 1H Variance 2Q 1Q Variance 2Q (%) FY2016 FY2015 YoY FY2016 FY2016 QoQ FY2015 Return on Equity 8.3 12.1 (3.8)% 7.5 9.3 (1.8)% 11.7 Net Interest Margin 2.28 2.28 0 bps 2.23 2.34 (11) bps 2.28 Fee to Income Ratio 29.2 29.5 (0.3)% 29.3 29.1 0.2% 27.5 Loans-to-Deposit Ratio 88.5 9

  37. Slide 37: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 25 Appendix: 1. Financial Performance 28 2. Community Financial Services 37 3. Global Banking 42 4. Maybank Singapore 47 5. Maybank Indonesia 51 6. Other segments 56 7. Affiliates 61 Financial 36 Results: 2Q FY2016 and 1H F

  38. Slide 38: Community Financial Services: Overview of Market Share for Malaysia

    Community Financial Services: Overview of Market Share for Malaysia Jun-16 Market Market share Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 vs position Mar-16 Loans Total consumer (Household) 17.4% 17.5% 17.5% 17.4% 17.9% # 2 Auto (Purchase of transport vehicles) 23.6% 23.8% 23.7% 23.7% 24.1% # 2 Total mortga

  39. Slide 39: Community Financial Services: Overview of Malaysia Loans Portfolio

    Community Financial Services: Overview of Malaysia Loans Portfolio HNW and Affluent customer TFA grew 13.0% YoY Consumer loans grew 3.3% (ann.) to RM149.3 billion led by mortgage portfolio at 8.8% +13.0% YoY +4.9% QoQ +5.6% YoY +3.3% YTD Ann. RM billion RM billion Mass customer cross sell ratio impr

  40. Slide 40: Community Financial Services: Overview of Malaysia Deposits Portfolio

    Community Financial Services: Overview of Malaysia Deposits Portfolio CFS deposits grew 9.4% (ann.) to RM215.8 billion Consumer deposits grew 8.4% (ann.) with QoQ growth ahead of industry +12.2% YoY +10.0% YoY +9.4% YTD Ann. +8.4% YTD Ann. RM billion RM billion Business Banking + SME deposits grew 1

  41. Slide 41: Community Financial Services: Overview of CFS Malaysia Asset Quality

    Community Financial Services: Overview of CFS Malaysia Asset Quality CFS GIL increased to 2.1%, led by increase in BB GIL Stable consumer GIL at 0.5%, below industry average RM million RM million Business Banking + SME GIL increased to 8.5% o Total GIL ratio for consumer financing portfolio increase

  42. Slide 42: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 25 Appendix: 1. Financial Performance 28 2. Community Financial Services 37 3. Global Banking 42 4. Maybank Singapore 47 5. Maybank Indonesia 51 6. Other segments 56 7. Affiliates 61 Financial 41 Results: 2Q FY2016 and 1H F

  43. Slide 43: Global Banking: Overview of Malaysia Corporate Banking Portfolio

    Global Banking: Overview of Malaysia Corporate Banking Portfolio Total GB loans declined YTD (ann) to RM71.4 billion Trade Finance market share ¹ RM billion 25.5% 25.4% 28.3 -25.8% 25.3% 25.3% YTD ann. 25.0% Term Loan 32.5 24.9% 33.5 Jun 15 Sep 15 Dec 15 Mar 16 May 16 Jun 16 41.1 +8.5% Trade YTD ann

  44. Slide 44: Global Banking: Overview of Group Global Markets Portfolio

    Global Banking: Overview of Group Global Markets Portfolio Global Market’s revenue grew by 36.0% YoY Group Securities Portfolio grew 16.0% YoY Revenue Profit before Tax +16.0% +36.0% +21.0% 126.2 111.8 124.4 1,397.0 108.8 112.2 12.5 1,877.8 11.4 1,157.0 14.6 11.6 10.3 1,384.1 50.1 49.8 717.1 47.6 RM

  45. Slide 45: Global Banking: Overview of Group Investment Banking Portfolio

    Global Banking: Overview of Group Investment Banking Portfolio 1H FY2016 Total Income Total Income for Maybank Kim Eng increased by 14.1% YoY Hong Kong Others +14.1% (RM36.7mil, 5%) (RM27.0mil, 4%) 726.0 Philippines (RM39.9mil, 5%) 636.4 Malaysia (RM270.2mil, 37%) Indonesia (RM15.1mil, 2%) RM726.0mi

  46. Slide 46: Global Banking: Notable Deals for 1H FY2016

    Global Banking: Notable Deals for 1H FY2016 Malaysia Malaysia Singapore Malaysia Indonesia Malaysia Malaysia PALMINDO HOLDINGS PTE CORDLIFE GROUP KSL PROPERTIES PT DELTA DUNIA 1MALAYSIA SIME DARBY BERHAD SIME DARBY BERHAD LTD LIMITED SDN BHD SANDANG TEKSTIL DEVELOPMENT BERHAD RM 1.82 Billion USD 200

  47. Slide 47: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 25 Appendix: 1. Financial Performance 28 2. Community Financial Services 37 3. Global Banking 42 4. Maybank Singapore 47 5. Maybank Indonesia 51 6. Other segments 56 7. Affiliates 61 Financial 46 Results: 2Q FY2016 and 1H F

  48. Slide 48: Maybank Singapore: P&L Summary

    Maybank Singapore: P&L Summary (SGD mil) 1H FY2016 1H FY2015 YoY Net Fund Based income 253.30 277.02 (8.6)% Net Fee Based income 147.32 121.10 21.6% Net income 400.62 398.12 0.6% Overhead expenses 178.80 176.67 1.2% Operating profit 221.82 221.45 0.2% Profit before taxation 153.25 199.64 (23.2)%  P

  49. Slide 49: Maybank Singapore: Overview of Loans Portfolio

    Maybank Singapore: Overview of Loans Portfolio Diversified Loan Portfolio +0.4% YoY  As at 30 June 2016, total loans contracted by 2.9% YTD annualised to SGD 36.7 billion -2.9% ann. Other 36.6 37.2 36.7 (Consumer)  Consumer loans shrank by 4.7% YTD to SGD 14.4 3.1 3.4 3.4 Car Loan billion, weighed

  50. Slide 50: Maybank Singapore: Overview of Deposits Portfolio

    Maybank Singapore: Overview of Deposits Portfolio Consumer deposits account for 56% of our deposits CASA growth of 6.3% YoY +18.2% YoY +11.9% ann. 39.0 43.6 46.1 Time Deposits Consumer - Time Deposits Demand Deposits 17.5 19.0 20.7 Consumer 29.4 35.7 Savings 34.3 SGD billion SGD billion 56% Consumer

  51. Slide 51: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 25 Appendix: 1. Financial Performance 28 2. Community Financial Services 37 3. Global Banking 42 4. Maybank Singapore 47 5. Maybank Indonesia 51 6. Other segments 56 7. Affiliates 61 Financial 50 Results: 2Q FY2016 and 1H F

  52. Slide 52: Maybank Indonesia: P&L Summary

    Maybank Indonesia: P & L Summary (IDR billion) 1H FY2016 1H FY2015 YoY 2Q FY2016 1Q FY2016 QoQ Net Fund Based income 3,585 3,088 16.1% 1,859 1,726 7.7% Net Fee Based income 1,477 1,081 36.6% 790 687 14.9% Net income 5,061 4,170 21.4% 2,648 2,413 9.7% Overhead expenses (2,941) (2,767) 6.3% (1,499) (1

  53. Slide 53: Maybank Indonesia: Portfolio Overview

    Maybank Indonesia: Portfolio Overview Loans composition (Consolidated) Net Interest Margin (Consolidated) IDR Trillion 8.3% YoY 8.9% ann. 106.3 108.5 112.5 117.5 5.01% 4.76% 4.84% 82.3 87.1 91.1 94.6 4.73% 24.0 21.4 21.5 22.9 Dec-14 Jun-15 Dec-15 Jun-16 Dec-14 Jun-15 Dec-15 Jun-16 Global Banking Com

  54. Slide 54: Maybank Indonesia: Overview of Maybank Finance Operations

    Maybank Indonesia: Overview of Maybank Finance Operations Revenue and Profit Before Tax Financing IDR billion IDR billion 4.1% 28.7% 5,514 420 437 4,284 191 145 Jun-15 Jun-16 Jun-15 Jun-16 Revenue Profit Before Tax Asset Quality Unit Financing (unit) (10.8)% (10.9)% 25,537 25,841 0.45% 0.44% 22,790

  55. Slide 55: Maybank Indonesia: Overview of WOM Finance Operations

    Maybank Indonesia: Overview of WOM Finance Operations Revenue and Profit Before Tax Financing IDR billion IDR billion 11.6% 10.4% 937 5,243 840 4,748 >100% 49 (27) Jun-15 Jun-16 Jun-15 Jun-16 Revenue Profit Before Tax Asset Quality Unit Financing (‘000 unit) (25.3)% 300 3.55% (36.0)% 2.95% 2.97% 3.3

  56. Slide 56: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 25 Appendix: 1. Financial Performance 28 2. Community Financial Services 37 3. Global Banking 42 4. Maybank Singapore 47 5. Maybank Indonesia 51 6. Other segments 56 7. Affiliates 61 Financial 55 Results: 2Q FY2016 and 1H F

  57. Slide 57: Islamic Banking: Performance Overview

    Islamic Banking: Performance Overview Group Islamic Banking Financial Performance Maybank Islamic: Total Gross Financing grew by 11% (ann.) to RM138.2 billion 18% RM million 1HFY16 1HFY15 YoY 35.1 8% 1% Dec-15 Jun-16 32.1 31.5 30.8 30.6 30.3 Profit Before Tax 720.2 748.6 -3.8% 28% RM billion Fin

  58. Slide 58: Islamic Banking: Market Share

    Islamic Banking: Market Share Maybank Islamic Market Share (Malaysia) Market Share by Product (Malaysia) 35.0% 33.4% 33.6% 33.5% 33.2% 33.8% Key Products Jun-16 Jun-15 Automobile Financing 42.9% 41.5% 30.0% 31.3% 30.0% 29.2% Home Financing 28.0% 26.8% 27.8% 25.0% 24.8% Term Financing 30.1% 30.1% 20.

  59. Slide 59: Insurance and Takaful: Performance Overview

    Insurance and Takaful: Performance Overview Gross Premium Life / Family (New Business) Market Share AIA Ins. & Tak. 20.1% Prudential Ins. & Tak. 14.9% No. 4 in Life/Family GE Ins. & Tak. 14.2% (New Business) Etiqa Ins. & Tak. 8.6% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% General Insurance and Takaful Marke

  60. Slide 60: Maybank Philippines: Performance Overview

    Maybank Philippines: Performance Overview Key Highlights Revenue and PBT  Revenue increased by 12.9% YoY, led by higher net interest +12.9% YoY income (NII) and fee income. 2,623.2  Increase in NII contributed by higher loan income, mainly 2,323.3 from term loans. Fee income growth mainly supporte

  61. Slide 61: Table of Contents

    Table of Contents Executive Summary 2 Results Overview 5 Prospects & Outlook 25 Appendix: 1. Financial Performance 28 2. Community Financial Services 37 3. Global Banking 42 4. Maybank Singapore 47 5. Maybank Indonesia 51 6. Other segments 56 7. Affiliates 61 Financial 60 Results: 2Q FY2016 and 1H F

  62. Slide 62: An Binh Bank: Performance Overview

    An Binh Bank: Performance Overview Key Highlights Revenue and PBT  Revenue decreased by 4.3% YoY, due to lower net interest -4.3% YoY income (NII) and non-interest income (NOII).  Decline in NII was mainly caused by higher interest expense 986.0 943.7 while NOII dropped mainly due to lower investm

  63. Slide 63: MCB Bank: Performance Overview

    MCB Bank: Performance Overview Key Highlights Revenue and PBT -11.6% YoY  Revenue and PBT dropped by 11.6% and 19.8% YoY 34.4 respectively, mainly due to decline in non-interest 30.4 income (NOII). -19.8% YoY 24.2  Lower NOII was mainly attributed to lower gain on sales 19.4 of securities. PKR bil

  64. Slide 64: 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@

Malayan Banking Berhad (Maybank) — 1H FY2016 Earnings Presentation on 6ix