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Humanising Financial Services

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Maybank Group Digital DayBecoming The Digital Bank of Choice

Menara Maybank, Kuala Lumpur

13 November 2017

1

Megatrends

Source: Statista, App Annie, Commission Factory1, AT Kearney2

MAU = Monthly Active Users, DAU = Daily Active Users

197 Bilapps downloaded worldwide in 2017

2 Bil, 400MilMAU (Globally) DAU

3 Hours/Day .Malaysians…

SEA

16x by 20251

Southeast Asia e-commerce growth

32% CAGR1

Over next 10 years in Southeast Asia

23% CAGR2

Malaysian e-commerce growth until 2021

MOBILE SOCIAL E-COMMERCE

WannaCry

$65BilGoods moved through Digital Free Trade

Zone (DFTZ) by 2025

$38BilExports by SMEs through DFTZ by 2025

1,900Malaysian SMEs onboarded for DFTZ Ph1

SECURITY THREATS CROSS-BORDER TRADE

2.2MilApps

3MilApps

800MilMAU

1.3BilMAU

46.2MilLeaked personal records in Malaysia

2

Battle For Customer Engagement

Trust = Consistency Over Time

Security

“Stickiness”

and

Frequent

Usage

Design

• Simplicity

• Responsiveness

Data

• Timeliness

• Usefulness

3

“Tech-Fin” Giants Redefining Competition

ILLUSTRATIVE

SocialRetail

Payments

Retail

Payments E-comm Logistics

Data Data

Retail SME Corporates

Trade

FinanceLendingLendingE-comm

QQ

Logistics

4

Maybank2020: “Advancing Asia’s Ambitions With YouFive Key Strategic Objectives

The Top ASEAN Community Bank

The Leading ASEAN Wholesale Bank Linking Asia

The Leading ASEAN Insurer

The Global Leader In Islamic Finance

Digital Bank Of Choice

1

2

3

4

5

By leveraging on our regional presence, banking expertise and ASEAN growth opportunities.

By leveraging on our ASEAN leadership capabilities to deliver client solutions across Asia.

By enhancing synergies between Maybank’s regional banking footprint and Etiqa’s expertise in

takaful and bancassurance.

By continuing to deliver innovative client-centric universal financial solutions, building on our

global leadership position.

By putting our customers’ preferences first and transforming to deliver next-generation

customer experience on mobile and digital platforms.

5

Digital Bank Of Choice

“By putting our customers’ preferences first and

transforming to deliver next-generation customer

experience on mobile and digital platforms.”

Be at the forefront

of digital innovation

Maximise online

customer

engagement

Partner global and

regional industry

disruptors

Engage FinTechs on

potential

collaboration

Accelerate digital

deployments across

ASEAN footprint

Recalibrate business

models for the

future

6

Our Digital Approach#1: Enrich our Customer Offerings (1/3)

Payments and Digital Wallets1st-to-market responding to customers’ calls

for mobile payments

MaybankPay

SamsungPay MY

SamsungPay SG

MaybankPay SamsungPay

7


at most branches at most branches

Channel Digitisation

Guiding/handholding customers

Reconfiguring branch layout

Shifting customers online and to self-service channels

8


New Maybank AppCleaner, function-rich platform ready

for GREATER things

In-depth walkthrough by GCTO

9

Our Digital Approach#2: Invest in Strategic Capabilities (1/2)

In-House Research and Development

Reduced time-to-market

Increased quality and lower

cost

Rapid experimentation

MBB Labs Pvt Ltd

10

Our Digital Approach#2: Invest in Strategic Capabilities (2/2)

Geo-analytics and

microsegment

analysis

Enhanced

Customer

Data Analytics

Big Data

Foundation

Building

Codifying best practices to

organise data across the Group

and unlock insights

Data ScienceAdvanced analysis techniques

11

Our Digital Approach#3: Explore Broadly, Understand Deeply

BlockchainEngagements with global leaders, ongoing search for

applications with competitive advantage and higher

commercialisation potential

RoboadvisoryEngaging leading FinTechs to understand

opportunities and establish options

P2P LendingAssessed multiple FinTechs in bid for Malaysian P2P

licence

12

Our Digital Approach#4: Build and Participate in the Ecosystem (1/3)

Government and Regulators

FinTech Enabler

Group (FTEG)

aFINity@SC

Forefront of policy-making and exploration

Proactive engagement on digital frontier

in Malaysia and Singapore

13


Global LeadersEstablish partnerships with global brands

who have ASEAN ambitions

Credit Cards and payments;

#everyonecansell

(onboarding of SMEs onto

digital platform)

Chinese tourist

acquisition; Acceptance

of AliPay QR payments at

2,000 Malaysian

merchant locations

SamsungPay Malaysia

and Singapore; Device

partnerships

14


FinTechs

Blockchain

Digital

Banking

Payments

Robo

advisoryeKYC

Bio

metrics

AI

Chatbots

Credit

Scoring

P2P

Lending

AnalyticsMoney

Transfer

UI/UX

Design

Deep-dives to find truly differentiated

business models and/or technologies

Engaged >50 ASEAN FinTechs in various fields

Launched Maybank Sandbox in July 2017

15

Innovation in Maybank

• Maybank Innovation Centre (@Menara

Etiqa Twins KLCC) operational since

June 2015

• Full-time Corporate Development and

Innovation Team to inculcate

innovation culture throughout the

Maybank Group

• >300 events and sessions for

Maybankers and partners hosted by

the Centre thus far

• #MaybankFintech programme,

Maybank Hackathon, alpha and beta

testings and many more

16

Maybank’s Digital Firsts in Malaysia

1st bank-owned Digital

Wallet (Maybank Pay)

1st bank to enable

for Chinese Tourists at 2,000

merchant locations

1st bank to pilot

1st bank to offer online

merchant registration

via APIs

1st bank to use biometric

authentication

1st bank to run a P2P Donation Platform

1st bank to operate a FinTech Sandbox

1st bank to provide digital token/

signing for enhanced security (Secure2U)

1st bank to offer festive P2P money

transfers, games and rewards

Payments Security, P2P and APIs

17

Awards related to Digital Banking (1/3)

CXFS ASIA AWARDS 20171. Best Use of Social Media (Winner - MyM2U Challenge)

2. Best Client On-boarding Initiative (Winner - Cards STP)

3. Best CX - Website (Highly Commended - MyM2U Challenge)

ABF RETAIL BANKING AWARDS 20171. Mobile Banking Initiative of the Year - Malaysia (e-Ang Pow)

2. Social Media Initiative of the Year - Malaysia (e-Ang Pow)

3. Online Banking Initiative of the Year - Malaysia (e-Ang Pow)

4. Credit Card Initiative of the Year - Malaysia (Cards STP)

BNM KARNIVAL KEWANGAN 2017Best Innovation Award (MaybankPay & SamsungPay)

CARDS & ELECTRONIC PAYMENTS

INTERNATIONAL ASIA AWARDS 2017Best NFC-enabled Service Initiative (Winner)

Most Innovative Digital Solution - Consumer (Highly Commended)

18


EFMA-ACCENTURE DISTRIBUTION & MARKETING

INNOVATION AWARDS 2017Wallets & Payments (Bronze Award - New Maybank2u Pay)

MARKETING EXCELLENCE AWARDS 2017 MALAYSIA 1. Excellence in Mobile Marketing (Finalist - e-Duit Raya/Salam & Menang)

2. Excellence in Viral Marketing (Finalist - e-Duit Raya/Salam & Menang)

FINANCIAL INNOVATION AWARDS 20171. Best Payments Initiative (Finalist - New Maybank2u Pay)

2. Best Technology Initiative (Finalist - Secure2u)

RBI ASIA TRAILBLAZER AWARDS 2017Best Social Media Marketing Campaign

(Highly Commended - e-Duit Raya/Salam & Menang)

CX ASIA EXCELLENCE AWARDS 20171. Best Omni-channel Experience (Highly Commended - Western Union)

2. Best Social Media Strategy (Silver Award)

3. Best Contact Centre (Bronze Award)

19


GARTNER INNOVATION AWARD 20171st Runner Up

BANK TECHNOLOGY LEADERSHIP

ACHIEVEMENT IN APAC AWARD 2017

SECURITY INNOVATION AWARD 2017

INNOVATION AWARD 2017

MALAYSIA WEBSITE AWARDS 2017

ICMG ARCHITECTURE EXCELLENCE AWARD 2016

20

Looking Ahead

• Most excellent mobile user experience

• Speed and responsiveness

• Straight-Through-Processing (STPs)

• Strategic alliances and partnerships

• Automation and hubbing

• Agility and innovation culture2

21 21

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 8017

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

Maybank Group Digital Day Group Digital Day ... Western Union) 2. Best Social Media Strategy (Silver Award) 3. ... This presentation has been prepared by Malayan Banking Berhad ...

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