Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — Investor Day (July 2025)
34 slides from Malayan Banking Bhd's investor day presentation, Jul 4, 2025
Slide 1: Maybank Investor Day: Super Growth
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 the permi
Slide 2: Table of Contents
Table of Contents Overview of Super Growth Areas 2 Group Wealth Management 4 - 17 Overview Business Updates Performance and Financial Highlights Mid-Market Segment 19 - 24 Overview Business Updates Performance and Financial Highlights Global Market: FX Sales 26 - 32 Overview Business Updates Perform
Slide 3: M25+ Super Growth Drivers: Unlocking Opportunities in High Potential Segments to Fuel Growth
M25+ Super Growth Drivers: Unlocking Opportunities in High Potential Segments to Fuel Growth 1Q FY2025 YoY Progress Way Forward 1 Wealth management (WM) SP5 SP7 SP13 Total Islamic • Focus on Banca, FX, short- term instruments that are less Supercharge overall WM via retail investment tools, go-to ma
Slide 4: Table of Contents
Table of Contents Overview of Super Growth Areas 2 Group Wealth Management 4 - 17 Overview Business Updates Performance and Financial Highlights Mid-Market Segment 19 - 24 Overview Business Updates Performance and Financial Highlights Global Market: FX Sales 26 - 32 Overview Business Updates Perform
Slide 5: Group Wealth Management North Star
Group Wealth Management North Star Group Wealth Management Retail Wealth | Private Wealth NORTH STAR Vision We are our customers’ dedicated financial partner, throughout their unique wealth journey, offering holistic products, bespoke solutions and effective advisory attuned to their needs. To DELIV
Slide 6: Tapping into Growth Markets (ID, PH) while Defending Shares in Mature Hubs (SG, HK)
Tapping into Growth Markets (ID, PH) while Defending Shares in Mature Hubs (SG, HK) Size of Key Wealth Markets : Industry-wide Mass & Emerging Affluent HNW > USD 1M UHNW > USD 30M Growth Projection of Wealth Population to 2030 ASEAN Core Markets: USD 50k -< USD 1M Strategic landscape 8% CAGR* 6,030,
Slide 7: Leading Wealth Management Across Key ASEAN Countries
Leading Wealth Management Across Key ASEAN Countries Leadership Aspiration Home Market Leadership Champion in onshore Retail & Private Wealth Hong Kong Offshore Wealth Hub Amongst the top foreign Cambodia Philippines onshore wealth management player for retail Amongst the top foreign Malaysia onshor
Slide 8: Growing Strongly Over The Last Five Years With 12% Income CAGR
Growing Strongly Over The Last Five Years With 12% Income CAGR GWM Malaysia Singapore Indonesia Others (PHI, CAM, HK) 12% CAGR 10% CAGR 18% CAGR 6% CAGR 16% CAGR Total 4,156 3,859 4,106 1,591 636 740 696 156 6,548 1,116 546 611 99 105 119 Income 5,747 5,834 2,756 3,407 816 850 87 4,205 4,839 722 (RM
Slide 9: Over 95% of Our Wealth Portfolio Comes from Core Home Markets
Over 95% of Our Wealth Portfolio Comes from Core Home Markets Total Income by Country (RM mil) Wealth Fees by Country (RM mil) 9% 1% 11% 2% 2020 2024 2020 2024 33% MY 66% 63% MY 38% 34% 24% 2024 2024 63% SG 19% 24% SG 50% 57% 57% ID 10% 9% ID 13% 11% MY SG ID Others PBT by Country (RM mil) TFA by Co
Slide 10: Upward Momentum Across All Segments, Led by Private Wealth
Upward Momentum Across All Segments, Led by Private Wealth GWM Group Privilege Group Premier Group Private 12% CAGR 11% CAGR 11% CAGR 18% CAGR 2,727 2,775 3,025 2,676 2,625 2,926 596 6,548 1,974 2,260 1,920 2,214 Total 4,205 4,839 5,747 5,834 311 365 344 434 Income (RM mil) Customer 2020 2021 2022 2
Slide 11: About 90% of Our Wealth Income Comes from Emerging Affluent and Affluent Customers
About 90% of Our Wealth Income Comes from Emerging Affluent and Affluent Customers Total Income by Customers (RM mil) Wealth Fees by Customers (RM mil) 9% 28% 24% 2020 2024 2020 2024 Privilege 47% 46% Privilege 28% 24% 2024 46% 2024 Premier 46% 45% Premier 54% 48% 45% Private 7% 9% Private 18% 28% 4
Slide 12: Positive 1Q FY2025 Performance Led by Wealth Fees and Steady Growth across Segments
Positive 1Q FY2025 Performance Led by Wealth Fees and Steady Growth across Segments GWM Group Privilege Group Premier Group Private 1Q25: 4% YoY 1Q25: 4% YoY 1Q25: 3% YoY 1Q25: 7% YoY Total 1655 1669 1652 1640 760 765 772 759 707 749 750 721 733 147 154 159 148 1Q25 Overall Wealth 1573 137 Income 72
Slide 13: Islamic Wealth: 1Q FY2025 Growth of 17% in TFA and 5% in Total Income
Islamic Wealth: 1Q FY2025 Growth of 17% in TFA and 5% in Total Income Driven by Fund Income and Expansion of Islamic Wealth Solutions GIWM Malaysia Singapore Indonesia 1Q25: 5% YoY 1Q25: 6% YoY 1Q25: 81% YoY 1Q25: -7% YoY 1Q25 Group Islamic Wealth Performance Total 480 497 535 518 505 450 478 455 46
Slide 14: Re-engineered for Growth, Focusing on Customer Journey to Capture High-Value Opportunities
Re-engineered for Growth, Focusing on Customer Journey to Capture High-Value Opportunities Transformation journey Way Forward after Agile Flip One Captain Unified leadership structure across Group Customer Journey-led Tribes Cross-functional, multi-disciplinary tribes working • Removing fragmented o
Slide 15: Accelerating Growth through Digital Innovation & Group Wide Synergies
Accelerating Growth through Digital Innovation & Group Wide Synergies Delivering a Expanding into High- Boost Productivity Scaling Islamic Wealth Personalised Experience potential markets • Deploying a core banking • Strengthening GWM brand • Expanding into Growth markets • Cementing leadership in s
Slide 16: Leveraging on Our Vast ASEAN+ Connectivity, with Singapore As Our Hub Offering Single Access
Leveraging on Our Vast ASEAN+ Connectivity, with Singapore As Our Hub Offering Single Access to ASEAN Understanding Customer Needs based on Holistic Cross-Border Solutions personal, business, and lifestyle flows across APAC Maybank as the go-to bank for ASEAN+ families and businesses by delivering t
Slide 17: Recognised Globally for Islamic Wealth Expertise with a Market-Leading Proposition
Recognised Globally for Islamic Wealth Expertise with a Market- Leading Proposition Global Islamic Wealth Proposition IWM Product Shelf Purification & Scaling through 3rd Party Leadership catering to Distribution as core value Partnerships & Regional Pillar 1-5 customer needs drivers Expansion • Lea
Slide 18: Scaling Strategically for Cross-Border Expansion
Scaling Strategically for Cross-Border Expansion Forest City (JS-SEZ) a cross-border collaboration with d Private Trust-I with MM2H Value Proposition and Maybank Trustee – Single Family Office solutions enabling legacy planning within Shariah b VCC Solutions with Maybank Asset Management – bespoke s
Slide 19: Table of Contents
Table of Contents Overview of Super Growth Areas 2 Group Wealth Management 4 - 17 Overview Business Updates Performance and Financial Highlights Mid-Market Segment 19 - 24 Overview Business Updates Performance and Financial Highlights Global Market: FX Sales 26 - 32 Overview Business Updates Perform
Slide 20: Becoming The Preferred Banking Partner for Mid-market Clients
Becoming The Preferred Banking Partner for Mid-market Clients Transformation journey Our Goal Jan 2024 Institutionalised account planning with a focused Dominate Malaysia’s mid-market segment, strategy to grow mid market segment. Double down on capturing >80% market share key client segment, deepen
Slide 21: Elevating The Way We Serve by Driving Seamless Customer Experience
Elevating The Way We Serve by Driving Seamless Customer Experience Dedicated Team Drives long-term partnerships and pursue cross/upselling opportunities by understanding our client’s needs holistically and offering tailored solutions Identify Potential Institutionalise Targeted Seamless Proactive Cl
Slide 22: Strategically Target High-Growth Markets to Accelerate Expansion and Deepen Mid-Market Penetration
Strategically Target High-Growth Markets to Accelerate Expansion and Deepen Mid-Market Penetration Opportunities Driving Focused Growth Leverage our strong industry Capitalise on developments in the expertise and SG’s regional Composition of mid-market loans in MY key 3 states to deepen market vs MY
Slide 23: Supporting the Mid-Market Journey in Regional Capital Markets
Supporting the Mid-Market Journey in Regional Capital Markets Trusted by clients as a valued IB partner in executing notable deals Strategic Focus Areas Deepening Regional Presence Eco-Shop HI Mobility TMK Chemical Grow regional mid-market footprint and Deal Value – MYR974.2M Deal Value – MYR158.6M
Slide 24: Good Growth Momentum Driven by Focused Execution and Strategic Alignment
Good Growth Momentum Driven by Focused Execution and Strategic Alignment Strengthening loan Achieved highest 1Q income in 2025 Improved asset quality portfolio performance Loans (RM mil) +10% YoY Income (RM mil) +23% YoY Gross Impaired Loan Ratio +15% YoY 34,206.4 5.31% 32,129.7 31,237.1 4.11% 200.7
Slide 25: Strong Mid-Market Focus Drives 30% YoY Growth in Number of IB Deals and Value
Strong Mid-Market Focus Drives 30% YoY Growth in Number of IB Deals and Value in FY2024 Positive momentum seen in completed mid-market IB deals and value No. of completed mid market IB deals by country Mid-market IB deal value (RM bil) +30% YoY 48 +30% YoY VN 2 37 12.6 16 TH 9.7 18 1 ID 6 4 15 SG 3.
Slide 26: Table of Contents
Table of Contents Overview of Super Growth Areas 2 Group Wealth Management 4 - 17 Overview Business Updates Performance and Financial Highlights Mid-Market Segment 19 - 24 Overview Business Updates Performance and Financial Highlights Global Market: FX Sales 26 - 32 Overview Business Updates Perform
Slide 27: Global Markets Serves as A Key Pillar for Strong Regional Growth
Global Markets Serves as A Key Pillar for Strong Regional Growth Our Key Differentiators Our Goal Provide a comprehensive range of conventional and Islamic treasury products and services Deepening FX Penetration by (i.e.: FX, money market instruments, fixed income securities, optimising customer exp
Slide 28: Strengthen Our Regional Proposition via Global Access Account-i (GAA-i)
Strengthen Our Regional Proposition via Global Access Account-I (GAA-i), a Single Multi-currency Account GAA-i: Single multi-currency account supporting 18 currencies Filling Market Gaps with Strategic Solutions Multi-currency debit card to use in Malaysia and overseas 1 Fragmented account setup for
Slide 29: Multi-currency Made Simpler with Competitive Rates
Multi-currency Made Simpler with Competitive Rates Our Rates Are Competitive Step 1 Step 2 Maybank’s Competitor’s Login to the MAE app Go to ‘Global Access & tap ‘Apply’ Account-i’ & tap ‘Apply Now’ Get EUR 600.31 = RM3,000 x Get EUR 599.47 = RM3,000 As at 3 Jul 2025 Seamless Account Opening Within
Slide 30: Leverage Digitalisation to Deliver Exceptional Customer Experiences and Seamless FX Solutions
Leverage Digitalisation to Deliver Exceptional Customer Experiences and Seamless FX Solutions Enhancing Customer Journeys Increasing Digital Seamless Transactions Data-driven FX solutions Touchpoints Ease of Foreign Telegraphic Transfers Utilising analytics for sales Promoting digital channels for F
Slide 31: Focus on Diverse Income Streams Through Cross-selling, Customised Service and Strategic Alliances
Focus on Diverse Income Streams Through Cross-selling, Customised Service and Strategic Alliances Uplifting Income Generation Cross-selling Product Customisation & Leveraging Maybank Opportunities Campaigns Market Leadership Position Integrating FX services with product Introducing innovative FX sol
Slide 32: We Are Also Driving Growth in Non-Flow Business such as Specialist Hedge Coordination
We Are Also Driving Growth in Non-Flow Business such as Specialist Hedge Coordination Expert management of syndicated hedging and execution of significant size • For hedging transactions involving a panel of multiple hedging banks – as is the case of syndicated financing with shared security amongst
Slide 33: GM MY FX Sales Income Recorded Strong Growth; Aligned with Robust Momentum in Targeted Segments
GM MY FX Sales Income Recorded Strong Growth; Aligned with The Robust Momentum in Targeted Segments For the past 10 years, Maybank has ranked top three in FX Market in BNM League Table Strong income growth Robust growth in GM sales penetration and volume 1Q2025 vs 1Q2024 YoY FX penetration by client
Slide 34: (tuynanising
(tuynanising Financial Services @ Maybank @Mymaybank Cf) @Maybank & @Mymaybank (in) @Maybank 33
Malayan Banking Berhad (Maybank) — Investor Day (July 2025) on 6ix