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Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

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Page 1: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

0 www.maybank.com

Investor Presentation

Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016

24 November 2016

Humanising Financial Services

Page 2: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

1

Table of Contents

Financial Results: 3Q FY2016 and 9M FY2016 ended 30 September 2016

Appendix:

4

2

19

1. Financial Performance

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

22

32

37

42

46

51

Executive Summary

Results Overview

Prospects & Outlook

7. Affiliates 56

Page 3: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

2

Improved QoQ

earnings trend

Maybank Group’s Financial Performance Update Improved QoQ earnings performance in 3Q FY2016, arising from proactive asset quality management efforts in 1H 2016

• Revenue growth of 2.1% to RM5.46 billion supported by:

o Higher net fee based income of 10.4% due to non-interest income growth

o Marginal NIM compression of 1 bps QoQ to 2.22%

• Contained cost growth of 2.9% to RM2.70 billion

• Reduced net impairment losses by 72.0% to RM331 million

• Higher net profit of 54.8% to RM1.80 billion

• Better 3Q ROE of 11.4% (2Q: 7.5%) due to lower provisioning cost

1

• Lower Group GIL ratio of 2.22% as at Sep 2016 from 2.34% in previous quarter

• Higher loan loss coverage of 74.8%, due to reclassification of some impaired

loans to performing

• Lower net credit charge off rate of -64bps YTD (Ann.)

Moderating asset

quality trends

• Continued Group loans growth pace of 2.2% QoQ, supported by growth in

Malaysia, Singapore and IndoChina.

• Strong liquidity displayed by Group LCR of 136% and Group LDR of 90.9% as at Sep

• Total capital ratio at 19.07%* and CET1 capital ratio at 13.73%* as at Sep 2016

Selective balance

sheet growth and

continued capital

strength

3

* After proposed dividend and assumption of 85% reinvestment rate. Fully loaded Group CET1 capital ratio is 13.35%

2

Page 4: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

3

Table of Contents

Financial Results: 3Q FY2016 and 9M FY2016 ended 30 September 2016

Appendix:

4

2

19

1. Financial Performance

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

22

32

37

42

46

51

Executive Summary

Results Overview

Prospects & Outlook

7. Affiliates 56

Page 5: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

4

P&L Summary: 9M FY2016 Continued growth in 9M net income to new high of RM16.2 billion, supported by higher net fund based income of 5.2%

¹ Pre-provisioning operating profit (PPOP) is equivalent to operating profit before impairment losses

² Includes Maybank PNG branch disposal gain of RM197.3 million. Excluding sales gain, YoY net fee based income growth is 4.5% while net operating income growth is 5.0%

* From consolidated Group numbers, Insurance and Takaful accounts for 6.4% of net fund based income and 11.8% of net fee-based income

More

details

on RM million

9M

FY2016

9M

FY2015 YoY

3Q

FY2016

2Q

FY2016 QoQ

3Q

FY2015 YoY

s.6 Net fund based income * 11,332.0 10,771.5 5.2% 3,728.6 3,780.3 (1.4)% 3,812.9 (2.2)%

s.6/22/23 Net fee based income * 4,863.3 4,851.6² 0.2% 1,729.0 1,565.6 10.4% 1,934.3 (10.6)%

s.5/25 Net operating income 16,195.3 15,623.2² 3.7% 5,457.6 5,345.9 2.1% 5,747.2 (5.0)%

s.11 Overhead expenses (7,943.8) (7,509.3) 5.8% (2,699.9) (2,623.7) 2.9% (2,601.4) 3.8%

s.5 Pre-provisioning operating profit (PPOP) ¹ 8,251.5 8,113.8 1.7% 2,757.7 2,722.2 1.3% 3,145.8 (12.3)%

Net impairment losses (2,390.5) (1,490.7) 60.4% (330.8) (1,181.2) (72.0)% (797.1) (58.5)%

Operating profit 5,861.0 6,623.1 (11.5)% 2,426.9 1,541.0 57.5% 2,348.7 3.3%

s.25 Profit before taxation and zakat (PBT) 5,971.4 6,775.4 (11.9)% 2,456.1 1,584.0 55.1% 2,382.9 3.1%

Profit attributable to equity holders of

the Bank (Net Profit) 4,382.4 5,183.9 (15.5)% 1,795.7 1,159.9 54.8% 1,898.9 (5.4)%

EPS - Basic (sen) 44.5 55.0 (19.2)% 18.0 11.8 52.4% 19.9 (9.8)%

Page 6: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

5

Group Global Banking (GB)

15,623

8,749

5,541

944 66

1,152

16,195

9,557

6,279

1,065 117

1,282

Total Group CommunityFinancial Services

Group CorporateBanking & Global

Markets

Group InvestmentBanking

Group AssetManagement

Group Insurance &Takaful

9M FY2015

9M FY2016Group Global Banking (GB)

8,114

3,846 4,204

193 (15) 714

8,252

4,445 4,895

209 25 782

Total Group CommunityFinancial Services

Group CorporateBanking & Global

Markets

Group InvestmentBanking

Group AssetManagement

Group Insurance &Takaful

9M FY2015

9M FY2016

Franchise-Led Growth All business pillars recorded revenue and PPOP growth for 9M FY2016, despite slowing economic growth in key markets

Note: Net income & PPOP for group includes expenditures of “Head Office & Others” of RM828.5 million for 9M FY2015 and RM2,104.7 million for 9M FY2016.

Net Operating Income

RM

million

+3.7%

RM

million

+13.9%

PPOP

+17.0%

+9.2% +13.3% +12.9% +11.3%

+1.7%

+15.6% +16.4% +8.5% (>100)%

+77.0%

+9.6%

Page 7: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

6

10,772

6,570

3,847

160 (1) 674

11,332

7,334

3,851

220 (4) 744

Total Group CommunityFinancial Services

Group CorporateBanking & Global

Markets

Group InvestmentBanking

Group AssetManagement

Group Insurance &Takaful

9M FY2015

9M FY2016 +5.2%

Franchise-Led Growth Net fund based income rose 5.2% YoY, driven by strong growth of 11.6% in Group Community Financial Services

Note: Net fund based income includes expenditures of “Head Office & Others” of RM478.8 million for 9M FY2015 and RM813.5 million for 9M FY2016.

Net fee based income includes expenditures of “Head Office & Others” of RM349.6 million for 9M FY2015 and RM1,291.2 million for 9M FY2016.

Net Fund Based Income

4,852

2,179 1,694

783

67 477

4,863

2,222 2,429

845

121 538

Total Group CommunityFinancial Services

Group CorporateBanking & Global

Markets

Group InvestmentBanking

Group AssetManagement

Group Insurance &Takaful

9M FY2015

9M FY2016 +0.2%

+7.8% +43.4% +2.0% +12.7%

Group Global Banking (GB)

Group Global Banking (GB)

Net Fee Based Income

RM

million

RM

million

+37.7% (>100)%

+1.5%

+33.5%

+79.4%

+11.6% +0.1% +10.3%

Page 8: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

7

Group Gross Loans Growth: 30 September 2016 Quarterly growth of 2.2% sustained by growth in most home markets and other key ASEAN markets

30 Sep

2016

30 Jun

2016 QoQ

31 Mar

2016

31 Dec

2015 YTD Ann.

30 Sep

2015 YoY

Group Gross Loans 461.2 451.1 2.2% 441.7 459.4 0.5% 464.4 (0.7)%

Malaysia (RM billion) 261.5 257.3 1.6% 252.6 255.9 2.9% 254.0 2.9%

Community Financial Services 190.6 187.2 1.8% 184.1 183.2¹ 5.4% 179.1 6.4%

Global Banking 72.2 71.4 1.3% 69.4 73.3¹ (2.0)% 76.1 (5.1)%

International (RM billion) 192.6 186.7 3.2% 182.2 196.5 (2.6)% 203.9 (5.6)%

Singapore (SGD billion) 37.4 36.7 1.9% 36.7 37.2 0.5% 38.1 (1.9)%

Community Financial Services 20.1 19.8 1.3% 19.9 20.2 (0.7)% 19.9 1.2%

Global Banking 17.1 16.6 2.5% 16.6 16.8 1.9% 18.0 (5.1)%

Indonesia (Rupiah trillion) 118.5 119.3 (0.6)% 114.6 114.8 4.4% 114.2 3.8%

Community Financial Services 95.8 95.6 0.3% 92.2 92.4 4.9% 89.9 6.6%

Global Banking 22.4 23.5 (4.5)% 22.0 22.0 2.6% 23.9 (6.4)%

Other markets (RM billion) 41.5 40.7 2.1% 41.4 47.7 (17.3)% 51.8 (19.8)%

Investment banking (RM billion) 7.1 7.1 0.1% 6.9 7.1 0.8% 6.4 11.2%

¹ Re-based loan growth figures are based on adjusted 31 December 2015 position in line with migration of client accounts, implemented on 1 January 2016

Page 9: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

8

RM billion 30 Sep

2016

30 June

2016 QoQ

31 Mar

2016

31 Dec

2015 YTD Ann.

30 Sep

2015 YoY

Community Financial Services (reported) 190.6 187.2 1.8% 184.1 182.7 5.7% 179.1 6.4%

Community Financial Services (rebased) ¹ 190.6 187.2 1.8% 184.1 183.2 5.4% 179.1 6.4%

Consumer 151.9 149.3 1.8% 147.4 146.9 4.6% 144.0 5.5%

Total Mortgage 73.4 72.2 1.6% 70.7 69.2 8.1% 67.1 9.5%

Auto Finance 42.4 41.3 2.7% 40.6 40.8 5.3% 40.8 3.9%

Credit Cards 6.4 6.3 1.3% 6.2 6.4 (0.1)% 6.0 5.9%

Unit Trust 27.2 27.0 0.8% 27.4 28.1 (4.4)% 27.8 (2.2)%

Other Retail Loans 2.5 2.5 2.0% 2.4 2.4 8.9% 2.3 10.7%

Business Banking + SME (reported) 38.7 37.9 1.9% 36.8 35.8 10.5% 35.1 10.1%

Business Banking + SME (rebased) ¹ 38.7 37.9 1.9% 36.8 36.3 8.6% 35.1 10.1%

SME (reported) 12.1 11.4 6.2% 10.6 10.2 23.9% 9.6 25.9%

SME (rebased) ¹ 12.1 11.4 6.2% 10.6 9.9 28.6% 9.6 25.9%

Business Banking (reported) 26.6 26.6 0.1% 26.2 25.6 5.2% 25.5 4.2%

Business Banking (rebased) ¹ 26.6 26.6 0.1% 26.2 26.4 1.1% 25.5 4.2%

Global Banking (Corporate) (reported) 72.2 71.4 1.3% 69.4 73.8 (2.8)% 76.1 (5.1)%

Global Banking (Corporate) (rebased) ¹ 72.2 71.4 1.3% 69.4 73.3 (2.0)% 76.1 (5.1)%

Total Malaysia 261.5 257.3 1.6% 252.6 255.9 2.9% 254.0 2.9%

¹ Re-based loan growth figures are based on adjusted 31 December 2015 position in line with migration of client accounts, implemented on 1 January 2016

Malaysia Loans Growth: 30 September 2016 Consumer, SME and corporate banking segments continued to drive QoQ loans growth

Page 10: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

9

30 Sep

2016

30 Jun

2016 QoQ

31 Mar

2016

31 Dec

2015 YTD Ann.

30 Sep

2015 YoY

Group Gross Deposits 507.9 510.1 (0.4)% 491.5 495.8 3.2% 481.0 5.6%

Malaysia (RM billion) 289.3 306.8 (5.7)% 294.1 292.2 (1.3)% 286.9 0.8%

Savings Deposits 41.8 42.0 (0.4)% 41.4 40.0 6.0% 40.3 3.6%

Current Accounts 74.3 75.2 (1.1)% 74.3 74.2 0.3% 77.5 (4.1)%

Fixed Deposits 161.9 173.6 (6.7)% 163.5 163.0 (0.9)% 154.1 5.1%

Others 11.2 16.0 (30.0)% 14.9 15.0 (33.5)% 14.9 (24.5)%

International 220.0 204.9 7.4% 198.9 205.1 9.7% 195.5 12.5%

Singapore (SGD billion) 47.3 46.2 2.3% 45.8 43.6 11.1% 39.8 18.7%

Savings Deposits 4.9 4.6 5.4% 4.3 4.3 18.6% 4.4 11.0%

Current Accounts 6.7 5.8 16.0% 5.1 5.0 46.1% 5.4 24.1%

Fixed Deposits 34.6 34.7 (0.3)% 35.4 33.6 3.9% 29.4 17.8%

Others 1.1 1.1 1.1% 1.0 0.8 55.6% 0.7 61.4%

Indonesia (Rupiah trillion) 116.0 114.4 1.3% 115.2 115.9 0.0% 110.4 5.1%

Savings Deposits 25.3 26.2 (3.4)% 26.1 25.6 (1.4)% 25.2 0.4%

Current Accounts 18.8 18.7 0.9% 17.3 16.2 22.2% 18.3 3.2%

Fixed Deposits 71.8 69.5 3.2% 71.9 74.2 (4.3)% 66.9 7.3%

Group Deposits Growth: 30 September 2016 Although Group deposits eased QoQ, YTD growth remained healthy at 3.2%

Page 11: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

10

NIM Trend: 3Q & 9M FY2016 Marginal NIM compression of 1bps QoQ while YTD NIM of 2.26% within FY2016 guidance

2.38

2.29

2.34

2.23

2.22

3Q '15 4Q '15 1Q '16 2Q '16 3Q '16

Net Interest Margin QoQ Trend

2.48

2.43

2.31 2.31

2.26

FY2012 FY2013 FY2014 FY2015 9M FY2016

5-Year Trend

Page 12: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

11

Overheads: 9M FY2016 Measured mid-single digit cost growth reflective of disciplined spend, with CIR at 48.9%

(RM’ mil) 9M FY2016 9M FY2015

YoY

3Q FY2016 2Q FY2016 QoQ

Personnel Costs 4,293.4 4,178.5 2.8% 1,460.9 1,418.4 3.0%

Establishment Costs 1,436.7 1,211.3 18.6% 495.5 465.4 6.5%

Marketing Expenses 391.4 496.1 (21.1)% 116.2 135.2 (14.0)%

Administration &

General Expenses 1,822.3 1,623.5 12.2% 627.3 604.9 3.7%

Total 7,943.8 7,509.3 5.8% 2,699.9 2,623.7 2.9%

Group overheads composition

% 9M FY2016 9M FY2015 YoY 3Q FY2016 2Q FY2016 QoQ

Total Cost to Income ¹ 48.9 47.9 1.0% 49.3 48.9 0.4%

Group JAW Position (2.1) (0.8)

¹ Total cost excludes amortisation of intangible assets for Maybank Indonesia and Maybank Kim Eng

Page 13: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

12

96.6% 92.7%* 89.9%* 88.5%* 90.9%*

35.3% 33.7% 33.3% 33.4% 34.5%

Sep 15 Dec 15 Mar 16 Jun 16 Sep 16

LDR CASA

LDR and CASA Ratio: 30 September 2016 Stronger QoQ Group CASA ratio of 34.5%, on the back of higher CASA ratios in Malaysia and Singapore

Singapore Indonesia

Group Malaysia

93.4% 92.3%* 90.2%* 89.1%* 96.0%*

41.1% 37.1% 36.9% 35.9% 37.5%

Sep 15 Dec 15 Mar 16 Jun 16 Sep 16

104.0% 99.6% 100.1% 104.8% 102.8%

39.4% 36.0% 37.7% 39.3% 38.1%

90.0% 86.1% 87.6% 90.3% 88.0%

Sep 15 Dec 15 Mar 16 Jun 16 Sep 16

LDR (Bank Level)

95.7% 85.3% 80.3% 79.4% 79.1%

24.6% 21.2% 20.4% 22.5% 24.5%

Sep 15 Dec 15 Mar 16 Jun 16 Sep 16

Note: LDR is based on gross loans over customer deposits, a methodology adopted by Maybank effective January 2016

*Includes investment accounts totaling RM30.37 billion for 30 Sep 2016, RM30.96 billion for 30 June 2016, RM25.07 billion for 31 Mar 2016 and RM17.66 billion for 31 Dec 2015, captured

under Maybank Group’s management reporting of total deposits

Page 14: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

13

Strong Liquidity Group LCR of 136% as at Sep 2016, above BNM minimum requirement of 70% for 2016

Objective

Short-term resilience – Adequate level

of high-quality liquid assets to meet

liquidity need for next 30 days under

significant stress scenario

Stock of high quality liquid assets

Net cash outflows over 30-day period

Ratio

BNM Minimum

Requirement

Year LCR

1 Jun 2015 60%

1 Jan 2016 70%

1 Jan 2017 80%

1 Jan 2018 90%

1 Jan 2019 &

thereafter 100%

148 141

148 136

Dec 15 Mar 16 Jun 16 Sep 16

Group Liquidity Coverage Ratio (%)

Liquidity Coverage Ratio

BNM min

requirement

of 70%

Page 15: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

14

667.9

466.7

865.1

981.7

370.3

1,216.8

2,217.0

3QFY2015

4QFY2015

1QFY2016

2QFY2016

3QFY2016

9MFY2015

9MFY2016

Allowances for losses on loans

85.4% 72.0% 70.1% 70.5% 74.8%*

Loan loss coverage (LLC)

Allowance for losses on loans

Asset Quality Lower Group GIL ratio of 2.22% as at Sep 2016 while loan loss coverage strengthened to 74.8%

RM

million

Note: Page 26 shows two year trending of Group GIL and NPL.

* Loan loss coverage including Regulatory Reserve is 82.2%

61% 24%

15%

NPL

R&R

IPL

GIL Ratio Components Sep

2016

June

2016

March

2016

Dec

2015

Non Performing Loans

(NPL) 1.35% 1.32% 1.39% 1.15%

Restructured &

Rescheduled (R&R) 0.52% 0.67% 0.33% 0.23%

Performing Loans

Impaired Due to

Judgmental/ Obligatory

Triggers (IPL)

0.35% 0.35% 0.39% 0.48%

GIL Ratio 2.22% 2.34% 2.11% 1.86%

Group GIL Ratio Composition

Page 16: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

15

0.34 0.33

1.08 1.16 0.76

0.41 0.45

1.28 1.38 0.98

Sep 15 Dec 15 Mar 16 Jun 16 Sep 16

Gross Impaired Loans Ratio (%)

Net Impaired Loans Ratio (%)

Asset Quality by Market Moderating asset quality trends for home markets

4.54

4.15 4.21

3.99 4.06

3.36 3.25 3.30

2.99 2.86

Sep 15 Dec 15 Mar 16 Jun 16 Sep 16

1.63 1.76 1.83

2.23 2.14

1.25 1.36

1.45

1.78 1.63

Sep 15 Dec 15 Mar 16 Jun 16 Sep 16

Malaysia Singapore Indonesia

Note: Pages 27 to 29 show asset quality of home markets by line of business

* The difference in Maybank Indonesia’s GIL ratio and NIL ratio on Pages 15 & 47 are due to computation differences owing to classification to meet the respective local regulatory

reporting requirements.

Page 17: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

16

50%

1% 40%

9% Normal

Special Mention Account

Watchlist

GIL

82% comes

from

supporting

upstream

Commodities Exposure: 30 September 2016 Maybank Group’s exposure to direct and indirect oil and gas borrowers as well as other commodities

Notes:

• Group exposure is for three home markets Malaysia,

Singapore and Indonesia, based on Group gross loans as at

end September 2016

• Agriculture includes rubber, oil palm and cocoa sectors

• Metals and mining includes coal, lignite, peat, metal ores,

tin, iron, steel and non-ferrous metal sectors

Agriculture

Maybank Group 1.68%

Malaysia 1.34%

Singapore 0.05%

Indonesia 0.29%

Metals & Mining

Maybank Group 1.52%

Malaysia 1.18%

Singapore 0.10%

Indonesia 0.24%

Oil & Gas Maybank

Group Malaysia Singapore Indonesia Others

Loan exposure 4.31% 2.80% 1.28% 0.15% 0.08%

Borrowers’ Status: Segmental Exposure:

Direct & Indirect Oil & Gas:

Borrowers with O&G related exposure

Other Sectors

Group exposure of 4.31% includes funded

and non-funded

40%

35%

6%

19%

Upstream

Supporting Upstream

Downstream

Supporting Downstream

Notes:

Supporting upstream includes services activities incidental to crude oil and natural gas extraction

including surveying. This includes providers of services/ activities related to O&G industry

Excluding non-funded, exposure is 3.87%

Page 18: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

17

15.78% 15.87% 15.62%

17.97% 18.32% 18.07%

19.38% 19.13%

Dec 15 Sep 16 Sep 16

Total Capital Ratio Tier 1 Capital Ratio CET 1 Capital Ratio

12.78% 13.91% 13.73%

14.47% 15.65% 15.47%

17.74% 19.25% 19.07%

Dec 15 Sep 16 Sep 16

Total Capital Ratio Tier 1 Capital Ratio CET 1 Capital Ratio

Group

Bank

Strong Capital Position: 30 September 2016 Total capital ratio at 19.07% (assuming 85% dividend reinvestment rate) and CET1 at 13.73%

Before proposed dividend

After proposed

dividend,

assuming 85%

reinvestment

rate 2016 2017 2018

Jan 2019

Onwards

Minimum Common Equity

Tier 1 Capital 4.5% 4.5% 4.5% 4.5%

Minimum Tier 1 Capital 6.0% 6.0% 6.0% 6.0%

Minimum Total Capital 8.0% 8.0% 8.0% 8.0%

Capital Conservation

Buffer (Phase in) 0.625% 1.250% 1.875% 2.500%

Other Capital Buffers

D-SIB Buffer

Countercyclical Capital

buffer

Regulatory Requirements

To be determined

0% - 2.5%

Note:

• Based on 85% reinvestment rate under the DRP, the fully loaded CET1 Ratio would be at 13.35% (Group) and 12.20% (Bank) respectively.

** Dec 2015 Bank Level Tier 1 and TCR ratio are the same at 17.97%.

Page 19: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

18

Table of Contents

Financial Results: 3Q FY2016 and 9M FY2016 ended 30 September 2016

Appendix:

4

2

19

1. Financial Performance

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

22

32

37

42

46

51

Executive Summary

Results Overview

Prospects & Outlook

7. Affiliates 56

Page 20: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

19

Maybank’s Performance Outlook

Managing NIM compression through optimal funding cost and

disciplined pricing for loans

Maintaining cost discipline to achieve FY2016 CIR of below 50%

Continued downtrend on credit cost for 4Q.

Downside risk is emergence of new global macroeconomic headwinds

2

3

4

Remain focused on selective asset growth as multiplier effect

between loans growth and GDP reduces 1

Page 21: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

20

Maybank’s FY2016 Guidance

Notes:

1 Normalised to exclude the conversion effects for Singapore, Indonesia, Philippines, Greater China and Labuan (USD)

2 In local currency terms

Key Performance Indicators Initial FY2016

Guidance

Annualised Updated FY2016

Guidance 9M FY2016

Headline KPI

Return on Equity (annualised) 11%-12% 9.2% 10.5%-11.0%

Other Guidance

Group Loans Growth (reported) 8%-9% 0.5% 2%-3%

Group Loans Growth (normalised)1 - 0.8%

• Malaysia 6%-7% 2.9% 4%-5%

• Singapore2 3%-4% 0.5% 2%-3%

• Indonesia2 11%-13% 4.4% 6%-7%

Group Deposits Growth (reported) 10%-11% 3.2% 3%-4%

Group Deposits Growth (normalised)1 - 3.4%

Page 22: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

21

Table of Contents

Financial Results: 3Q FY2016 and 9M FY2016 ended 30 September 2016

Appendix:

4

2

19

1. Financial Performance

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

22

32

37

42

46

51

Executive Summary

Results Overview

Prospects & Outlook

7. Affiliates 56

Page 23: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

22

4,852

4,122

395

3,046

(2,711)

4,863 4,823

301

3,252

(3,513)

Total Other operating income Fee Income fromIslamic Operations

Net Earned InsurancePremiums

Net Insurance Benefits& Claims Incurred, Net

Fee & CommissionExpenses and Life &

Takaful Fund Tax

9M FY2015

9M FY2016

+0.2% YoY +17.0% YoY +6.8% YoY (23.6)% YoY 29.6% YoY

RM

million

RM million 9M FY2016 9M FY2015 YoY

Commission, service charges and fees 2,667 2,751 (3.1)%

Investment & Trading Income 738 736 +0.3%

Unrealised gain/ (losses) on securities & derivatives 850 (709) >100%

Foreign Exchange Profit 308 1,115 (72.4)%

Other Income 260 228 +14.1%

Net Fee Based Income: 9M FY2016 (YoY)

Page 24: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

23

1,566 1,441

135

1,065

(1,076)

1,729 1,715

108

1,018

(1,113)

Total Other operating income Fee Income fromIslamic Operations

Net Earned InsurancePremiums

Net Insurance Benefits& Claims Incurred, Net

Fee & CommissionExpenses and Life &

Takaful Fund Tax

2Q FY2016

3Q FY2016

RM

million

RM million 3Q FY2016 2Q FY2016 QoQ

Commission, service charges and fees 895 872 +2.7%

Investment & Trading Income 254 249 +2.0%

Unrealised gain/ (losses) on securities & derivatives 341 404 (15.6)%

Foreign Exchange Profit 143 (161) >(100)%

Other Income 82 78 +5.1%

Net Fee Based Income: 3Q FY2016 (QoQ)

3.5% QoQ (4.3)% QoQ (20.0)% QoQ +19.0% QoQ +10.4% QoQ

Page 25: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

24

Income Statement for Insurance and Takaful Business

RM million 9M

FY2016

9M

FY2015 YoY

3Q

FY2016

2Q

FY2016 QoQ

3Q

FY2015 YoY

Net interest income 733.2 666.5 10.0% 248.5 251.7 (1.3)% 212.5 16.9%

Net earned premiums 3,251.6 3,046.0 6.8% 1,018.4 1,064.6 (4.3)% 1,008.5 1.0%

Other operating income 688.8 142.0 >100% 298.1 143.1 >100% (177.1) >100%

Total operating income 4,673.5 3,854.5 21.2% 1,565.0 1,459.3 7.2% 1,044.0 49.9%

Net insurance benefits & claims

incurred, net fee & commission

expenses and life & takaful fund tax

(3,648.0) (2,788.0) 30.8% (1,173.6) (1,108.5) 5.9% (634.2) 85.0%

Net operating income 1,025.6 1,066.5 (3.8)% 391.4 350.8 11.6% 409.8 (4.5)%

Overhead expenses (490.6) (426.4) 15.0% (162.2) (167.7) (3.3)% (131.9) 22.9%

PPOP 535.0 640.1 (16.4)% 229.3 183.1 25.2% 277.9 (17.5)%

Net impairment losses (33.6) (308.1) (89.1)% (0.2) (14.0) (98.3)% (133.4) (99.8)%

Operating profit 501.4 332.0 51.0% 229.0 169.1 35.4% 144.5 58.5%

RM million 9M

FY2016

9M

FY2015 YoY

3Q

FY2016

2Q

FY2016 QoQ

3Q

FY2015 YoY

Net insurance benefits & claims

incurred, net fee & commission

expenses and life & takaful fund tax

(3,648.0) (2,788.0) 30.8% (1,173.6) (1,108.5) 5.9% (634.2) 85.0%

Less: intercompany elimination 135.4 77.4 74.8% 60.4 32.9 84.0% 25.9 >100%

Total net insurance benefits & claims

incurred, net fee & commission

expenses and life & takaful fund tax

(3,512.6) (2,710.5) 29.6% (1,113.1) (1,075.7) 3.5% (608.3) 83.0%

Reconciliation of net insurance benefits & claims incurred, net fee & commission expenses and life & takaful fund tax

Page 26: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

25

77.3%

10.2%

8.4% 4.1%

Malaysia Singapore Indonesia Others

RM5.97b

75.1%

13.4%

2.4% 9.1%

International & Malaysia Portfolio Mix 9M FY2016

61.4% 16.2%

14.7%

7.7%

Overseas:

44.8%

9M FY2015

Net Operating Income Profit Before Tax

9M FY2016

Overseas:

33.1%

Overseas:

24.9%

Gross loans

(Jan 15 – Sep 15)

57.5% 25.3%

8.3%

8.9% Overseas:

42.5%

Overseas:

38.6%

Overseas:

22.7%

(Jan 16 – Sep 16)

55.2% 26.1%

7.5%

11.2%

66.9%

15.8%

12.1% 5.2%

RM6.78b RM464.4b

RM461.2b RM16.20b

RM15.62b

Page 27: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

26

1.13 1.04 1.06 1.15 1.14 1.38 1.64 1.72 1.52

1.65 1.52 1.50 1.56 1.54 1.86

2.11 2.34

2.22

Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016

Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%)

Group Impaired Loans Ratio

0.69% 0.61% 0.67% 0.70% 0.73% 0.81% 0.98%

0.79% 0.78%

1.11% 1.00% 1.01% 1.04% 1.05%

1.15%

1.39% 1.32% 1.35%

Sept 2014 Dec 2014 Mar 2015 Jun 2015 Sept 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016

Gross NPL ratio Net NPL ratio

Group Non-Performing Loans (NPL) Ratio

* Bursa Malaysia financial statements for 30 Sep 2016 reflects NIL ratio less MIB Investment Accounts of RM30.37 bil

Group Asset Quality: 30 September 2016

Page 28: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

27

Asset Quality by Line of Business: Malaysia

Mortgage Auto Finance Credit Cards

Retail SME Business Banking Corporate Banking

Consumer

Business

Note:

Industry GIL ratio for mortgage is 1.1%, 1.0% for auto finance, 1.4% for credit cards, 2.6% for SME and 2.2% for Business Banking.

0.6%

0.5%

0.6%

Sep 2015 Dec 2015 Sep 2016

0.5% 0.5%

0.6%

Sep 2015 Dec 2015 Sep 2016

0.9%

0.8% 0.8%

Sep 2015 Dec 2015 Sep 2016

2.1% 2.0%

2.1%

Sep 2015 Dec 2015 Sep 2016

9.4% 10.0%

10.6%

Sep 2015 Dec 2015 Sep 2016

1.2%

1.5%

2.5%

Sep 2015 Dec 2015 Sep 2016

Page 29: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

28

Asset Quality by Line of Business: Singapore

Consumer

Note:

Industry GIL figure is only available for mortgage, which was 0.4% as at September 2016

Auto Finance Credit Cards

0.4%

0.5%

0.4%

Sep 2015 Dec 2015 Sep 2016

0.4%

0.3%

0.4%

Sep 2015 Dec 2015 Sep 2016

2.5% 2.7%

2.1%

Sep 2015 Dec 2015 Sep 2016

1.3% 1.2%

1.5%

Sep 2015 Dec 2015 Sep 2016

0.4%

0.6%

2.3%

Sep 2015 Dec 2015 Sep 2016

0.4% 0.4%

1.2%

Sep 2015 Dec 2015 Sep 2016

Mortgage

SME Business Banking Corporate Banking Business

Page 30: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

29

Asset Quality by Line of Business: Indonesia

Consumer

Note:

Business Banking includes SME loans.

Auto Finance Credit Cards

0.5% 0.6%

1.3%

Sep 2015 Dec 2015 Sep 2016

0.9% 1.0%

1.1%

Sep 2015 Dec 2015 Sep 2016

2.4% 2.5% 2.4%

Sep 2015 Dec 2015 Sep 2016

1.7% 1.6%

1.7%

Sep 2015 Dec 2015 Sep 2016

1.4%

1.2%

1.5%

Sep 2015 Dec 2015 Sep 2016

17.4%

14.9% 14.2%

Sep 2015 Dec 2015 Sep 2016

Mortgage

SME Business Banking Corporate Banking Business

Page 31: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

30

Key Operating Ratios

(%) 9M

FY2016

9M

FY2015

Variance

YoY

3Q

FY2016

2Q

FY2016

Variance

QoQ

3Q

FY2015

Return on Equity 9.2 12.4 (3.2)% 11.4 7.5 3.9% 13.6

Net Interest Margin 2.26 2.31 (5) bps 2.22 2.23 (1) bps 2.38

Fee to Income Ratio 30.0 31.1 (1.1)% 31.7 29.3 2.4% 33.7

Loans-to-Deposit Ratio 90.9 96.6 (5.7)% 90.9 88.5 2.4% 96.6

Cost to Income Ratio¹ 48.9 47.9 1.0% 49.3 48.9 0.4% 45.1

Asset Quality

Gross Impaired Loans Ratio 2.22 1.54 68 bps 2.22 2.34 (12) bps 1.54

Net Impaired Loans Ratio 1.52 1.14 38 bps 1.52 1.72 (20) bps 1.14

Loans Loss Coverage 74.8 85.4 (10.6)% 74.8 70.5 4.3% 85.4

Net Charge off rate (bps) (64) (40) 24 bps (32) (85) 53 bps (65)

Capital Adequacy (Group)²

CET1 Capital Ratio 13.73 11.26 247 bps 13.73 13.59 14 bps 11.26

Total Capital Ratio 19.07 15.09 398 bps 19.07 18.99 8 bps 15.09

¹ Total cost excludes amortisation of intangibles for Maybank Indonesia and Kim Eng.

² The capital ratios are adjusted based on the assumption of 85% reinvestment rate under the DRP for the period.

Page 32: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

31

Table of Contents

Financial Results: 3Q FY2016 and 9M FY2016 ended 30 September 2016

Appendix:

4

2

19

1. Financial Performance

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

22

32

37

42

46

51

Executive Summary

Results Overview

Prospects & Outlook

7. Affiliates 56

Page 33: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

32

Community Financial Services: Overview of Market Share for Malaysia

^ Total bank deposits inclusive of investment asset (“IA”)

^^Market share as at Jun 2016

* Refers to housing, shophouse and other mortgages loans

** Credit cards market share refer to receivables for commercial banks

^ ^ ^

^^

^^

^^

^^

Page 34: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

33

35.1 35.8 38.7

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

Sep 15 Dec 15 Sep 16

144.0 146.9 151.9

0.020.040.060.080.0

100.0120.0140.0160.0180.0200.0

Sep 15 Dec 15 Sep 16

105.6 104.0 103.1

3.19 3.20 3.29

1E-14

1

2

3

4

5

6

7

0.0

20.0

40.0

60.0

80.0

100.0

120.0

140.0

Sep 15 Dec 15 Sep 16

TFA Product per customer

161.1 169.6

181.6

7.12

7.20

7.31

7

7.05

7.1

7.15

7.2

7.25

7.3

7.35

7.4

7.45

7.5

0

20

40

60

80

100

120

140

160

180

200

Sep 15 Dec 15 Sep 16

TFA Product per customer

Community Financial Services: Overview of Malaysia Loans Portfolio

Business Banking + SME loans grew by 10.5% (ann.) to

RM38.7 billion led by SME portfolio at 23.9% (ann.) growth

+10.1% YoY

+5.5% YoY

Consumer loans grew 4.6% (ann.) to RM151.9 billion led by

mortgage portfolio at 8.1%(ann.) +12.7% YoY

-2.4% YoY

• Customer classification: HNW (IA>RM3m, TFA >RM4m); Affluent (IA between RM 250K to RM3m, TFA between RM1m to < RM4m)

• TFA: Total Financial Assets (Deposits, Investments, Financing & Protection), IA: Investable Assets (Deposits & Investments)

+4.6% YTD Ann.

+10.5% YTD Ann.

RM

billion

RM

billion

RM

billion

RM

billion

HNW and Affluent customer TFA grew 12.7% YoY

Mass customer cross sell ratio improved to 3.29

Page 35: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

34

123.9 128.2 134.7

0.020.040.060.080.0

100.0120.0140.0160.0180.0200.0

Sep 15 Dec 15 Sep 16

74.9 77.9 75.8

0.0

20.0

40.0

60.0

80.0

100.0

120.0

Sep 15 Dec 15 Sep 16

198.8 206.3 210.5

100

120

140

160

180

200

220

Sep 15 Dec 15 Sep 16

Community Financial Services: Overview of Malaysia Deposits Portfolio

+8.7% YoY

Consumer deposits grew 6.7% (ann.) to RM134.7 billion

+6.7% YTD Ann.

RM

billion

RM

billion

RM

billion

CFS deposits grew 2.8% (ann.) to RM210.5 billion

Business Banking + SME deposits eased 3.6% (ann.) to

RM75.8 billion CFS deposits growth of +5.9% YoY mainly contributed

by consumer deposits growth of +8.7% as fixed

deposits grew +14.1% YoY.

Business banking + SME showed a slower YoY growth at

1.2%.

+5.9% YoY

+2.8% YTD Ann.

+1.2% YoY

-3.6% YTD Ann.

Page 36: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

35

705.0 669.9

764.3

0.5% 0.5% 0.5%

0.0%

0.5%

1.0%

1.5%

2.0%

0.0

100.0

200.0

300.0

400.0

500.0

600.0

700.0

800.0

900.0

Sep 15 Dec 15 Sep 16

GIL RM'm GIL %

2,579.8 2,752.0

3,058.2

7.4% 7.7% 7.9%

2.1% 2.0% 2.1% 0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

-

500.0

1,000.0

1,500.0

2,000.0

2,500.0

3,000.0

3,500.0

Sep 15 Dec 15 Sep 16

GIL RM'm GIL % for SME + BB GIL % for SME

3,284.6 3,421.9 3,822.5

1.8% 1.9% 2.0%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

-

500.0

1,000.0

1,500.0

2,000.0

2,500.0

3,000.0

3,500.0

4,000.0

4,500.0

Sep 15 Dec 15 Sep 16

GIL RM'm GIL %

Community Financial Services: Overview of CFS Malaysia Asset Quality

Consumer GIL is relatively stable at 0.5%, lower than the

industry average of 1.1%

CFS GIL increased to 2.0% due to a slight uptick in

Business Banking (BB) GIL

Business Banking + SME GIL increased to 7.9%

Total GIL ratio for consumer financing portfolio

remained stable at 0.5%.

Business Banking + SME GIL showed a slight increase to

7.9%, with an increase in BB GIL driven by the general

commerce, manufacturing and financing sectors.

Page 37: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

36

Table of Contents

Financial Results: 3Q FY2016 and 9M FY2016 ended 30 September 2016

Appendix:

4

2

19

1. Financial Performance

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

22

32

37

42

46

51

Executive Summary

Results Overview

Prospects & Outlook

7. Affiliates 56

Page 38: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

37

13.0

20.1

43.0

12.2

20.5

41.1

11.1

23.2

38.0

Sep'16 Dec'15 Sep'15

+17.7%

YTD ann.

-12.4%

YTD ann.

RM billion

Note: ‘Term Loan’ now includes foreign currency denominated accounts, while ‘Trade

Finance and Others’, which previously included ‘Short Term Revolving Credit’, is

now combined with ‘Overdraft’.

-10.1%

YTD ann.

1.18%

1.48%

1.76%

2.53% 2.47%

Sep 15 Dec 15 Mar 16 Jun 16 Sep 16

Term Loan

25.3%

25.0%

25.5%

25.3%

25.5%

Sep 15 Dec 15 Mar 16 Jun 16 Sep'16

Global Banking: Overview of Malaysia Corporate Banking Portfolio

Trade Finance market share ¹ Total GB loans declined YTD (ann) to RM72.2 billion

Corporate Banking GIL ratio at 2.47% as at Sep 2016

Short Term

Revolving

Credit

Trade Finance

and Others

¹ Market share of total trade products (On Balance Sheet items, Contingent Liabilities

and Others)

Page 39: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

38

982.1 1,648.8

1,039.5

1,133.0

9M FY2015 9M FY2016

Net interest income Non-interest income

+37.6%

51.7 53.9 62.9 63.9 61.1

48.9 47.6 50.1 49.8 51.8

11.6 10.3 11.4 12.5 12.0

Sep 15 Dec 15 Mar 16 Jun 16 Sep 16

Govt. Securities PDS/Corp Bonds Others

Group Securities Portfolio:

46.9% Foreign Securities as at 9M FY2016

55.8% 21.7%

19.7%

0.4%

1.0% 1.4%

47.3%

21.2%

18.8%

3.0%

0.6% 9.1%

RM27.2

billion

A

<A

RM21.4

billion

Commercial

Papers

21.1%

27.8%

22.4%

19.1%

9.6%

Group Securities Portfolio grew 11.3% YoY

+11.3%

Global Market’s revenue grew by 37.6% YoY

+30.5%

2,021.6

RM

million

Note: PBT & Revenue includes regional performance

RM 124.9

billion

40% of GM PDS (Maybank Conventional Malaysia) rated “AA” or

above as at 9M FY2016

RM

billion

9M FY2016

Government

Securities

-Domestic

Government

Securities

-Foreign PDS/Corp

Bonds

-Domestic

PDS –

Foreign

Others

(NIDs, BA, etc)

23.3%

22.8% 23.6%

19.9%

10.4%

RM112.2

billion

Government

Securities

-Domestic

Government

Securities

-Foreign

PDS –

Foreign

Others

(NIDs, BA, etc)

9M FY2015

SA

(Govt.

Guaranteed)

AAA

AA SA

(Govt.

Guaranteed) AAA

AA

A Commercial

Papers

9M FY2016 9M FY2015

<A

2,781.8

PDS/Corp

Bonds

-Domestic

1,641.5 2,141.6

9M FY2015 9M FY2016

RM

million

112.2 111.8 124.4 126.2 124.9

Revenue Profit before Tax

Global Banking: Overview of Group Global Markets Portfolio

Page 40: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

39 39

Global Banking: Overview of Group Investment Banking Portfolio

9M FY2016 Equities Brokerage League Table by Country

Note: Maybank Kim Eng represents the combined business of Maybank IB and business segments under Maybank Kim Eng Holdings 1 Ranking is not disclosed in the respective exchanges

Country Rank Market

Share

Trading Value

(USD’mil)

Thailand 1 8.0% 38,155

Malaysia 3 9.5% 16,772

Indonesia 8 4.0% 7,063

Philippines 8 4.6% 2,784

Singapore N/A1 4.0% 11,195

Vietnam N/A1 2.3% 1,105

Hong Kong Tier 2 1.0% 32,001

9M FY2016 Fee-based Income for Malaysia

9M FY2016 Total Income Total Income for Maybank Kim Eng rose by 12.9% YoY

9M 2015

RM

’Million

Malaysia (RM358.0mil,

34%)

Singapore

(RM287.7mil,

27%)

Thailand (RM237.8mil,

22%)

Indonesia (RM33.3mil, 3%)

Philippines (RM54.0mil, 5%)

Hong Kong (RM53.3mil, 5%)

Others

(RM41.2mil, 4%)

RM1,065.3mil

Arrangers' Fees 7.3%

Brokerage 45.2%

Other Fee Income

6.3%

Agency/ Guarantee

Fees 3.7%

Advisory Fees 34.5%

Placement Fees 2.4%

Primary Subscriber's

Fees 0.2%

Underwriting Fees 0.5%

1,065.3

943.6

9M 2016

+12.9%

Page 41: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

40 40

Global Banking: Notable Deals for 9M FY2016

Jul 2016

Indonesia

Sukuk Ijarah

Joint Lead Underwriter

IDR 1.2 Trillion

May 2016

Malaysia

EI SUKUK CO LTD

Senior Unsecured Sukuk

Wakala Bond

Joint Lead Manager,

Dealer

USD 750.0 Million

May 2016

Singapore

GUNVOR SINGAPORE PTE

LTD

Revolving Credit Facility

Mandated Lead

Arranger, Bookrunner

USD 1.0 Billion

Jun 2016

Indonesia

PT MABAR ELEKTRINDO

Syndicated Project

Finance Facility

Mandated Lead

Arranger, Exclusive

Advisor

USD 410.0 Million

May 2016

MISC BERHAD

Acquisition of the

remaining 50% equity

interest in Gumusut-

Kakap Semi-Floating

Production System (L)

Limited

Malaysia

RM 1.9 Billion

Jun 2016

MARLIN ENTERPRISE

LIMITED

Malaysia

Senior Term Loan

Facility

Joint Mandated Lead

Arranger, Joint

Bookrunner

USD 425.0 Million

Apr 2016

Malaysia

MALAYSIA SUKUK

GLOBAL BERHAD

Global Trust Certificates

Joint Lead Manager,

Joint Bookrunner

USD 1.5 Million

Apr 2016

Indonesia

Onshore USD Medium

Term Notes

Sole Lead Arranger

USD 100.0 Million

Jun 2016

Myanmar

OCK GROUP BERHAD

Joint Mandated Lead

Arranger and Lender

Lender

USD 40.2 Million

Jun 2016

Malaysia

MUMTAZ RAKYAT

SUKUK BERHAD

Tier 2 Subordinated

Sukuk Murabahah

Programme

Sole Principal Adviser,

Sole Lead Arranger,

Joint Lead Manager

RM 5.0 Billion

PT SARANA MULTI

INFRASTRUKTUR (PERSERO)

Malaysia

Mar 2016

1MALAYSIA

DEVELOPMENT BERHAD

RM 9.8 Billion

Disposal of power assets

of 1MDB, housed under

its wholly-owned

subsidiary Edra Global

Energy Berhad

Financial Advisor

Jan 2016

Malaysia

SIME DARBY BERHAD

RM 1.8 Billion

3RD Dividend

Reinvestment Plan

Principal Advisor

Mar 2016

Indonesia

PT DELTA DUNIA

SANDANG TEKSTIL

USD 10.0 Million

Syndicated Loan

Lender

Feb 2016

Singapore

CORDLIFE GROUP

LIMITED

RM 6.6 Million

Take-over offer in

Stemlife Berhad

Principal Advisor

PT TIGA PILAR SEJAHTERA

FOOD TBK

Aug 2016

Malaysia

Sukuk Murabahah

Facility

Sole Principal Adviser,

Sole Lead Arranger,

Joint Lead Manager

RM 5.5 Billion

SARAWAK HIDRO SDN BHD

Aug 2016

United Kingdom

Fixed Rate Resetting

Perpetual Subordinated

Contingent Convertible

Securities

Co-Manager

USD 2.0 Billion

STANDARD CHARTERED PLC

Sept 2016

Vietnam

Senior Secured Term

Loan Facility

Mandated Lead

Arranger, Bookrunner

USD 300.0 Million

VINGROUP JOINT STOCK

COMPANY

Aug 2016

Singapore

Underwritten Rights

Issue

Joint Underwriter

USD 103.5 Million

EZION HOLDINGS LTD

Jul 2016

Malaysia

Rights Issue

Joint Underwriter

USD 710.9 Million

MBSB

Jul 2016

Indonesia

Term Loan

(Refinancing on

maturing bond)

IDR 875.0 Billion

AGUNG PODOMORO

Sept 2016

Malaysia

Disposals of entire

interest in KL Airports

Services Sdn Bhd and

part of a parcel of

freehold industrial land

Principal Adviser

RM 818.4 Million

DRB-HICOM BERHAD

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41 41

Table of Contents

Financial Results: 3Q FY2016 and 9M FY2016 ended 30 September 2016

Appendix:

4

2

19

1. Financial Performance

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

22

32

37

42

46

51

Executive Summary

Results Overview

Prospects & Outlook

7. Affiliates 56

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42

Maybank Singapore: P&L Summary

(SGD mil) 9M FY2016 9M FY2015 YoY

Net Fund Based income 357.75 428.69 (16.5)%

Net Fee Based income 235.41 187.36 25.6%

Net income 593.16 616.04 (3.7)%

Overhead expenses 267.93 265.48 0.9%

Operating profit 325.23 350.57 (7.2)%

Profit before taxation 175.99 298.51 (41.0)%

Net fund-based income declined by 16.5% YoY as higher funding costs led to a compression in net interest margin.

Fee-based income increased 25.6% YoY, boosted by a rise in treasury income.

Overhead expenses increased marginally by 0.9% YoY on the back of higher human capital and IT investments.

Operating profit was lower by 7.2% as net income reduced by 3.7%.

Due to proactive measures to restructure some accounts amid the weaker economic environment, additional loan

loss allowances was set aside resulting in lower PBT of 41% YoY to SGD 175.99 million.

Page 44: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

43

8.9 8.9 8.4

4.6 3.9 4.4

3.9 3.6 3.7

6.0 6.0 6.1

9.4 9.6 9.5

1.9 1.8 1.8 3.3 3.4 3.4

Sep-15 Dec 15 Sep-16

Other(Consumer)

Car Loan

Housing Loan

Others(Corporate)

Non-Bankfinancial Inst

GeneralCommerce

Building &Const

Gross impaired loan ratio fell to 1.01% as at Sep 2016 Maybank Singapore loans fell 1.9% YoY as at Sep-16, against

system-wide loans contraction of 5.0%

Diversified Loan Portfolio

38.0 37.4

Consumer

39%

Corporate

61%

SG

D b

illion

As at 30 September 2016, total loans expanded by

0.5% YTD annualised to SGD 37.4 billion

Consumer loans shrank by 1.5% (ann.) to SGD 14.6

billion as a decline in housing loans more than offset

a rise in car and credit card loans

In comparison, business loans grew by 1.8% (ann.) to

SGD 22.6 billion. This was bolstered by increased

lending to the general commerce, non-bank financial

institutions and business services segments

11.6% 9.9%

10.5%

6.0% 4.9%

0.4% -1.9% 6.7%

3.4% 4.2%

0.0%

-5.40% -3.6% -5.0%

Mar 15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

Maybank Singapore Growth Industry Growth

-1.9% YoY

37.2

+0.5% ann.

Maybank Singapore: Overview of Loans Portfolio

0.31 0.42 0.44 0.48

1.31 1.41

1.01

0.25 0.35 0.36 0.35

1.11 1.19

0.80

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

GIL Ratio NIL Ratio

% YoY change

Page 45: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

44

4.8 4.4 5.9

12.6 15.3 15.4

5.0 4.8 5.6

17.4 19.0 20.3

Sep-15 Dec-15 Sep-16

Consumer -Time Deposits

Consumer CASA

Business TimeDeposits

Business CASA

Maybank Singapore: Overview of Deposits Portfolio

+18.7% YoY

39.8 47.3

Consumer

55%

Corporate

45%

SG

D b

illion

4.4 4.3 4.9

5.4 5.0 6.7

30.0 34.3 35.7

Sep-15 Dec-15 Sep-16

Time Deposits

Demand Deposits

Savings

CASA Ratio:

24.5%

17.0% 11.5%

10.8% 10.0%

16.8% 18.2% 18.7%

8.0% 6.4%

9.2%

4.6% 1.5%

4.1%

1.0%

Mar 15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

Maybank Singapore Growth Industry Growth

As at 30 September 2016, deposits expanded by 11.1%

YTD (ann.) to SGD 47.3 billion.

Consumer deposits increased by 12.0% (ann.) to SGD

26.0 billion, led by a 21.8% rise in CASA

Meanwhile, business deposits advanced by 10.5% (ann.)

to SGD 21.3 billion on the back of a 46.1% jump in CASA.

43.6

+11.1% ann.

SG

D b

illion

% YoY change

Maybank Singapore deposits up 18.7% YoY in Sep-16, compared

with industry growth rate of 1.0%

Consumer deposits account for 55% of deposits CASA growth improved 33.4% YTD (YoY: +18.6%)

Page 46: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

45 45

Table of Contents

Financial Results: 3Q FY2016 and 9M FY2016 ended 30 September 2016

Appendix:

4

2

19

1. Financial Performance

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

22

32

37

42

46

51

Executive Summary

Results Overview

Prospects & Outlook

7. Affiliates 56

Page 47: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

46 46

(IDR billion) 9M FY2016 9M FY2015 YoY 3Q FY2016 2Q FY2016 QoQ

Net Fund Based income 5,492 4,784 14.8% 1,907 1,859 2.6%

Net Fee Based income 1,945 1,602 21.4% 468 790 (40.7)%

Net income 7,437 6,386 16.4% 2,375 2,648 (10.3)%

Overhead expenses (4,155) (4,108) 1.2% (1,214) (1,499) (19.0)%

Personnel (1,808) (1,847) (2.1)% (609) (609) 0.1%

General & Administrative (2,345) (2,214) 5.9% (769) (783) (1.9)%

Other Operating Expenses (2) (47) (95.3)% 164 (107) (253.3)%

Operating Profit 3,282 2,279 44.0% 1,162 1,149 1.1%

Provision Expenses (1,587) (1,559) 1.8% (596) (602) (1.1)%

Non Operating Income/Expenses 58 64 (8.7)% 25 15 71.6%

Profit before Tax & before Minority Interest 1,753 784 123.7% 591 562 5.2%

Net Profit 1,293 592 118.4% 435 415 4.9%

EPS - Basic (IDR) 19.09 8.74 118.4% 6.42 6.12 4.9%

Maybank Indonesia: P&L Summary

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47 47

16.3 18.3 16.2 18.8

23.5 25.2 25.6 25.3

62.7 67.1 73.7 71.4

Dec-14 Sep-15 Dec-15 Sep-16

Current Account Saving Account Time Deposit

24.0 23.2 21.5 21.9

82.3 88.3 91.1 94.5

Dec-14 Sep-15 Dec-15 Sep-16Global Banking Community Financial Services (CFS)

4.6% ann.

Net Interest Margin (Consolidated)

Asset Quality (Consolidated)

Loans composition (Consolidated) IDR Trillion

Deposits (Consolidated) IDR Trillion

4.4% YoY

112.5 111.5 106.3 116.4

115.5 110.6

4.5% YoY

102.5 115.6

0.1% ann.

4.76% 4.82% 4.84%

5.09%

Dec-14 Sep-15 Dec-15 Sep-16

4.65%

3.83% 3.82% 3.79% 3.90%

3.12% 2.59% 2.56% 2.42% 2.32%

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

Impaired Loans - Gross Impaired Loans - Net

Maybank Indonesia: Portfolio Overview

Page 49: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

48 48

4,164

5,358

Sep-15 Sep-16

38,828

459

39,287

33,652

326

33,978

New Used Total

Sep-15 Sep-16

Asset Quality

Maybank Indonesia: Overview of Maybank Finance Operations

28.7%

Unit Financing (unit)

(13.5)% (13.3)%

(29.0)%

11.5%

0.20% 0.29% 0.36% 0.36% 0.34%

0.24% 0.35%

0.45% 0.44% 0.42%

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

NPL Net NPL Gross

608 678

265 232

Sep-15 Sep-16

Revenue Profit Before Tax

Financing IDR billion

Revenue and Profit Before Tax IDR billion

Page 50: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

49 49

Unit Financing (‘000 unit)

272

167

439

176 148

324

New Used Total

Sep-15 Sep-16

1,274 1,422

(22)

73

Sep-15 Sep-16

Revenue Profit Before Tax

Financing IDR billion

Asset Quality

Revenue and Profit Before Tax IDR billion

1.01% 0.99% 1.11% 1.18% 1.36%

2.95% 2.97% 3.34% 3.55% 3.84%

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

NPL Net NPL Gross

4,394

5,695

Sep-15 Sep-16

(26.2)%

(35.2)%

(11.6)%

29.6% 11.7%

>100%

Maybank Indonesia: Overview of WOM Finance Operations

Page 51: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

50

Table of Contents

Financial Results: 3Q FY2016 and 9M FY2016 ended 30 September 2016

Appendix:

4

2

19

1. Financial Performance

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

22

32

37

42

46

51

Executive Summary

Results Overview

Prospects & Outlook

7. Affiliates 56

Page 52: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

51

Islamic Banking: Performance Overview

Group Islamic Banking Financial Performance

Source: Islamic Banking Scheme (“IBS”) disclosure in Group Financial Statement

Maybank Islamic: Key Financial Ratios

Maybank Islamic: Total Gross Financing grew by 10% (ann.) to

RM140.7 billion

CFS:10%

RM million 9MFY16 9MFY15 YoY

Total Income 3,023.9 2,984.5 1.3%

Profit Before Tax 1,079.0 1,230.9 -12.3%

Financing & Advances 139,619.7 127,176.3 9.8%

Deposits & Investment

Account: 135,895.7 112,787.1 20.5%

Deposits from

Customers 105,524.3 109,301.0 -3.5%

Investment Account 30,371.4 3,486.1 771.2%

Key Financial Ratios 9MFY16 9MFY15

Net Profit Margin (NPM) 1.80% 1.89%

Total Capital Ratio (TCR) 18.597% 15.179%

Cost to Income Ratio (CIR) 37.11% 36.04%

Direct FDR1 94.2% 101.9%

Adjusted FDR with LTIF2 85.9% 93.1%

Maybank Islamic contribution to Maybank Malaysia Loans and

Financing as at September 2016

Year Contribution

Sep 2015 49.4%

Dec 2015 50.8%

Mar 2016 51.8%

Jun 2016 53.1%

Sep 2016 53.2%

Note:

1) Direct Financing to Deposits Ratio (FDR) comprising gross financing against deposit

and Investment Account (exc. RPSIA assets and liabilities)

2) Adjusted FDR comprising adjusted financing against adjusted deposit (exc. RPSIA

assets and liabilities) including long term interbank funding (LTIF)

30.8 32.1

30.3

5.3

13.1

19.6

31.1

36.2

32.5

6.0

13.6

21.4

AITAB Mortgage Term Financing Others (CFS) Term Financing Others (GB)

RM

billion

Dec-15 Sep-16

GB:9%

1%

17%

10%

5%

18%

12%

Maybank Islamic, 53.2%

Maybank Conventional

Malaysia, 46.8%

Page 53: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

52

Maybank Islamic Market Share (Malaysia)

Maybank Islamic ranks No.1 by Asset Market Share

in Malaysia

Source: BNM monthly statistical bulletin and latest respective Bank’s Financial

Statements

Malaysia Asset Market Share

Jun-16 Rank

Maybank Islamic 31% 1

CIMB Islamic 11% 2

Bank Islam 9% 3

Source: Bloomberg

Sukuk League Table Ranking September 2016

Key Products Sep-16 Sep-15

Automobile Financing 43.7% 42.0%

Home Financing 28.1% 27.2%

Term Financing 30.3% 30.5%

Source for industry numbers: BNM Monthly Statistical Bulletin

Islamic Banking: Market Share

Market Share by Product (Malaysia)

Source for industry numbers: BNM Monthly Statistical Bulletin

33.4% 33.6% 33.5% 33.2%33.8% 33.9%

24.8%

27.8%29.2%

30.0%31.3%

30.3%

20.0%

25.0%

30.0%

35.0%

Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

Financing Deposits & Investment Accounts

Market Share

(%)

Amount

(USD million)Issues

#2 Maybank 11.75% 4,305 98

Market Share

(%)

Amount

(USD million)Issues

#1 Maybank 27.60% 3,752 92

Global Sukuk League Table

Ranking

MYR Sukuk League Table

Ranking

Page 54: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

53

Insurance and Takaful: Performance Overview

Total Assets (RM billion)

Gross Premium

Profit Before Tax (RM million)

• PBT includes estimated transfer of RM83.2 million from Family Fund in 9M FY2016.

Life / Family (New Business) Market Share

No. 4 in Life/Family

(New Business)

No. 1 in General

Insurance and

Takaful

* Market Share is for period Jul’15 – Jun’16 (Source: LIAM / ISM Statistics)

General Insurance and Takaful Market Share

Page 55: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

54

57,843.4 58,935.1 63,376.7

70,405.3

Dec 2015 Sep 2016

PESO

Mil Gross Loans

CustomerDeposits

3,569.3 3,968.6

629.7

-87.9

9M FY2015 9M FY2016

PESO

Mil

Revenue

PBT

Maybank Philippines: Performance Overview

Revenue increased by 11.2% YoY, led by higher net interest

income (NII) and fee income.

Increase in NII contributed by higher loan income, mainly

from term loans. Fee income growth mainly supported by

higher trading profit from securities.

PBT decreased by PESO 718 million due to higher collective

allowance provisioning.

Gross loans rose by 2.5% (annualised) driven by growth in

term loan.

Customer deposits rose by 14.8% (annualised) driven by

growth in fixed deposits

+11.2% YoY

->100% YoY

+2.5%*

+14.8%*

*Annualised growth

Gross Loans and Deposits

Revenue and PBT Key Highlights

Key Ratios 9M FY2016 9M FY2015

Cost-to-income ratio 72.29% 72.68%

Loans to Deposit ratio 83.71% 98.40%

Gross Impaired Loans Ratio 4.10% 3.57%

No. of branches 80 79

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55

Table of Contents

Financial Results: 3Q FY2016 and 9M FY2016 ended 30 September 2016

Appendix:

4

2

19

1. Financial Performance

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

22

32

37

42

46

51

Executive Summary

Results Overview

Prospects & Outlook

7. Affiliates 56

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56

1,459.7 1,470.2

256.6 193.5

9M FY2015 9M FY2016

Revenue

PBT

41,195.1 46,311.1 47,880.9

53,715.9

Dec 2015 Sep 2016

Gross Loans

CustomerDeposits

Revenue increased by 0.7% YoY, mainly due to higher net

interest income (NII).

PBT decreased by 24.6% YoY, mainly due to higher

provisioning.

Gross loans expanded by 16.6% (annualised) due to higher

corporate and retail lending.

Customer deposits rose by 16.2% (annualised) mainly

contributed by an increase in CASA.

Gross Loans and Deposits

An Binh Bank: Performance Overview

+0.7% YoY

+16.6%*

+16.2%*

Revenue and PBT Key Highlights

VN

D B

illion

VN

D B

illion

*Annualised growth

-24.6% YoY

Key Ratios 9M FY2016 9M FY2015

Return on assets 0.40% 0.50%

Return on equity 4.50% 5.90%

Cost-to-income ratio 54.72% 56.05%

Loans to Deposit ratio 86.21% 86.46%

Gross NPL Ratio 1.78% 1.80%

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57

333.8 367.1

688.9 753.3

Dec 2015 Sep 2016

Gross Loans

CustomerDeposits

PKR b

illion

50.7 46.6

34.7 30.1

9M FY2015 9M FY2016

Revenue

PBT

PKR b

illion

Revenue and PBT dropped by 7.9% and 13.3% YoY

respectively, due to lower non-interest income (NOII).

Lower NOII was mainly attributed to lower gain on sales of

securities.

Gross loans increased by 13.3% (annualised) mainly driven

by growth in domestic loans.

Customer deposits grew by 12.5% (annualised) mainly

contributed by higher CASA.

Gross Loans and Deposits

MCB Bank: Performance Overview

+13.3%*

+12.5%*

-7.9% YoY

-13.3% YoY

Revenue and PBT Key Highlights

*Annualised growth

Key Ratios 9M FY2016 9M FY2015

Return on assets 2.35% 2.72%

Return on equity 20.18% 23.71%

Cost-to-income ratio 39.26% 34.98%

Loans to Deposit ratio 48.73% 44.43%

Gross NPL Ratio 6.00% 6.34%

Page 59: Investor Presentation · Investor Presentation Financial Results 3Q FY2016 and 9M FY2016 ended 30 September 2016 ... Improved QoQ earnings performance in 3Q FY2016, arising from proactive

58

Dato’ Amirul Feisal Wan Zahir

Group Chief Financial Officer

Contact: (6)03-2074 7703

Email: [email protected]

MALAYAN BANKING BERHAD

14th Floor, Menara Maybank

100, Jalan Tun Perak

50050 Kuala Lumpur, Malaysia

Tel : (6)03-2070 8833

www.maybank.com

Jeeva Arulampalam

Head, Group Investor Relations

Contact: (6)03-2074 8346

Email: [email protected]

Disclaimer. This presentation has been prepared by Malayan Banking Berhad (the “Company”) for information purposes only and does not purport to contain all the

information that may be required to evaluate the Company or its financial position. No representation or warranty, express or implied, is given by or on behalf of the

Company as to the accuracy or completeness of the information or opinions contained in this presentation.

The presentation does not constitute or form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor should it or any part of

it form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever.

The Company does not accept any liability whatsoever for any loss howsoever arising from any use of this presentation or their contents or otherwise arising in

connection therewith.

Investor Relations Contact

Humanising Financial Services