Maybank CLSA Investor Forum Presentation in Hong Kong
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Malayan Banking Berhad. Maybank CLSA Investor Forum Presentation in Hong Kong

Malayan Banking Berhad. Maybank CLSA Investor Forum Presentation in Hong Kong

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Maybank CLSA Investor Forum Presentation in Hong Kong Presentation Transcript

  • 1. MALAYAN BANKING BERHAD CLSA Investor Forum, Hong Kong 13-17 September 2010
  • 2. Overview: Maybank Group Operating Environment: Economy and Banking Sector Strategy: St t The new House of Maybank 1
  • 3. Progress since 3 major acquisitions in 2008 18 Mar 08 26 Mar 08 5 May 08 Announces A Announces A Announces A acquisition of acquisition of 20 Aug 10 acquisition of An Bin Bank BII Announces MCB Bank FY10 Maybank Foreign Shareholding 10.00  21 Apr 10 24% results ce (RM) 30 Sep 08 29 April BII completes 25 Aug 09 rights issue of Completes Maybank 9.00  acquisition of completes Announces Rp1.4 trillion 22% FY09 ybank Share Pric BII rights issue of results 8.00  RM6 billion 20% (%) 7.00  18% 6.00  Share Price 16% May 5.00  14% 4.00  Foreign Shareholding 12% 3.00  10% Jan 08 Apr 08 Jul 08 Oct 08 Jan 09 Apr 09 Jul 09 Oct 09 Jan 10 Apr 10 Jul 10 Price Foreign Shareholding ■ Followed through on the 3 major acquisitions  Followed through on the 3 major acquisitions ■ Implemented LEAP30 Performance  Implemented LEAP30 Performance totaling RM11.2 billion Improvement Programme ■ Raised RM9.1 billion debt and capital securities ■ Built up BII ■ Completed largest ever rights issue of RM6 billion ■ Rebounded strongly with RM3.8 billion  ■ “Bit the bullet” in FY2009 with RM2.0 billion  PATAMI in FY2010 impairment charges 2
  • 4. Maybank: In a position of strength ■ Total Assets :  RM 337 billion (USD 105 b) (As at 30 June 2010) Largest financial service  ■ Total Equity :  RM 29 billion (USD 9.0 b) provider in Malaysia  ■ Total Net Profit :  RM 3.8 billion (USD 1.2 b)  ■ Market Cap. :  RM 60.0 billion (USD 18.8 b) (1 Sep 10) ■ No 1 bank in Malaysia, Largest Islamic bank by assets No 1 bank in Malaysia Largest Islamic bank by assets Leadership position ■ No 4 in South East Asia ■ No 118 The Banker’s Top 1000 world banks ranking ■ 384 branches, 2,800 ATMs Largest banking  Largest banking 9 million customers. network in Malaysia ■ No.1 Internet banking with 55% market share ■ 7 ASEAN countries An Emerging An Emerging ■ 5 International Financial Centres ■ Over 1,750 branches and offices in 14 countries, Regional Leader serving 16 million customers. Leading market position  ■ Diversified across all financial products and services  in most sectors ■ Among the top 3 in most key business sectors Strong shareholder  ■ 56% owned by PNB and its funds, 12% by EPF support and credit  ■ S&P : A‐ ■ Moody’s: A3 i ratings ■ Fitch : A‐ ■ RAM: AAA 3
  • 5. Domestic Market: Leading market position in most sectors Network N k Consumer C Deposits D i Cards C d Islamic Il i Investment  Insurance &  Banking Asset Mgmt Growth (YoY) 33% 36% 33% 28% 27% 21% 19% 15% 15% 16% 13% 8% 7% 7% 8% 4% 2% ‐9% 2% # #  n.a. na ‐1% Not applicable bt Markets Branch  Equity Brokerage eceivables ed General Billings Financing Card Base  ATM et banking HP Loans d Deposits Savings Deposits Merchant Sales Deposits Life/Family Asset Under Management CASA M&A Mortgage s Premium mer Loans* d Deposits Equity & Rights Offerings  C Re Fixed Demand Interne Deb Consum Combined Gross Combine Combined L 55% Market Share A C 29% 28% 29% 24% 22% 23% 24% 19% 17% 17% 19% 16% 13% 16% 15% 14% 15% dustry  12% 13% 13% 14% osition 10% 7% 1 1 1 2 3 3 1 na na na n.a. n.a. n.a. 1 1 1 2 1 1 4 5 2 4 1 1 1 3 Ind Po All data as at  June 2010, except for Insurance & Asset Mgt (Mar  10) * Consumer loans excludes SME  # percentage points increase in market share 4
  • 6. Number 1 Bank Domestically … Total Assets (RM bn): 30 June 2010 Net Loans (RM bn): 30 June 2010 MAYBANK Maybank 337 MAYBANK Maybank 206 CIMB 256 CIMB 152 Public… 219 Public Bank 145 RHB Cap 120 RHB Cap 73 AMMB 97 AMMB 65 HL Bank 85 HL Bank 38 EON Cap 49 EON Cap 34 Affin 43 Affin 25 Alliance 33 Alliance 21 D Deposits (RM b ) 30 J it bn): June 2010 M k t C it li ti (RM b ) 1 S 2010 Market Capitalisation bn): Sep MAYBANK MAYBANK Maybank 60.0 Maybank 237 CIMB 57.2 CIMB 193 Public Bank 42.9 Public Bank 175 AMMB 17.5 RHB Cap 88 RHB Cap 14.7 HL Bank 70 AMMB HL Bank 14.0 68 EON Cap 37 EON Cap 4.8 Affin 31 Alliance 4.8 Alliance 23 Affin 4.6 5
  • 7. And Among the Top Ten in the Region T t l A t (USD b ) 30 J 2010 Total Assets (USD bn): 30 June 2010 N tL dD it (USD b ) 30 J 2010 Net Loans and Deposits (USD bn): 30 June 2010 SBI * 198 SBI * 336 252 DBS 204 DBS 107 136 OCBC OC C 157 UOB 77 93 UOB OCBC 69 141 83 Maybank 66 ICICI 113 76 No.5 Net Loans ICICI 52 Maybank 108 No.6 54 Net Deposits CIMB 49 CIMB 82 62 Public… 46 Public Bank 70 56 * As at 31 Mar 10    RHB Cap 2328 RHB Cap 38 PATAMI (USD bn): (12 mths to June 2010) PATAMI (USD bn): (12 mths to June 2010) Market Capitalisation (USD bn): 1 Sep 2010 Capitalisation (USD bn): 1 Sep 2010 SBI 3.0 SBI 38 UOB 1.8 ICICI 24 OCBC 1.6 DBS 24 Maybank 1.2 No.4 UOB 22 ICICI 1.1 CIMB 1.1 OCBC 21 DBS 1.0 Maybank 19 No.6 Public Bank 0.9 09 CIMB 18 RHB Cap 0.4 Public Bank 14 Based on exchange rate as at 1 Sept 2010  6 * As at 31 March 2010
  • 8. Overview: Maybank Group Operating Environment: Economy and Banking Sector Strategy: St t The new House of Maybank 7
  • 9. Malaysia: Economic Rebound GDP to rebound with 7.5% growth in 2010; 6.1% in 2011 %g ; % Inflation expected to rise to 2.0% in 2010 (2009: 0.6%) p ( ) 150 Quarterly GDP and annual growth rate 12 CPI and components (% YoY) 140 9 6 130 3 120 0 110 (3) 100 (6) 90 (9) 2Q06 3Q06 4Q06 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 RMb (LHS) % YoY (RHS) % QoQ (RHS) gg p yy Ringgit to expected to rise to RM3.10‐3.15 by year end After July 8 hike to 2.75%, interest rate is not  expected to rise in the next 9‐12 months 3.90 Ringgit Malaysia per USD 4.0 25bp hikes  Overnight Policy Rate: Bank Negara Malaysia 3.80 3.5 in Mar, May  3.70 3.0 and July 10 3.60 3.50 2.5 3.40 2.0 3.30 3.20 1.5 3.10 1.0 Overnight Policy Rate Overnight Policy Rate: Bank Negara Malaysia 3.00 0.5 ‐05 ‐05 ‐06 ‐06 ‐06 ‐07 ‐07 ‐07 ‐08 ‐08 ‐08 ‐09 ‐09 ‐09 ‐10 ‐10 Aug-04 Dec-04 Aug-05 Dec-05 Aug-06 Dec-06 Aug-07 Dec-07 Aug-08 Dec-08 Aug-09 Dec-09 Aug-10 Apr-04 Apr-05 Apr-06 Apr-07 Apr-08 Apr-09 Apr-10 01‐Jul‐ 01‐Nov‐ 01‐Mar‐ 01‐Jul‐ 01‐Nov‐ 01‐Mar‐ 01‐Jul‐ 01‐Nov‐ 01‐Mar‐ 01‐Jul‐ 01‐Nov‐ 01‐Mar‐ 01‐Jul‐ 01‐Nov‐ 01‐Mar‐ 01‐Jul‐ 8
  • 10. Malaysia: Banking Industry – strong fundamentals ■ Loans growth of 11.9% YoY (July 10) driven by household  g ( y ) y Total Loans grew 11.9% YoY for Jul 2010 Total Loans grew 11 9% YoY for Jul 2010 sector. 860 18% ■ Competition expected to stiffen with issuance of more  16% commercial banking licenses to foreign banks, branch  810 14% expansion of existing foreign banks and further  760 consolidation of domestic banks. consolidation of domestic banks 12% ■ Net interest margin to remain relatively stable as  710 10% improvement from interest rate hikes offset by competitive  8% 660 Total Loans pressure for loans pricing. Total Loans YoY Growth 6% ■ Growing prominence of Islamic Banking through asset  610 Household YoY Growth 4% growth and greater products and services. Business YoY Growth ■ Improving asset quality with gross NPL at 3.55% 560 2% Oct-07 Oct-08 Oct-09 Jan-07 Apr-07 Jul-07 Jan-08 Apr-08 Jul-08 Jan-09 Apr-09 Jul-09 Jan-10 Apr-10 Jul-10 ■ Stable Tier I capital (13.1%) and Risk Weighted Capital Ratio  (15.0%) but possible higher capital adequacy requirement  pursuant to introduction of Basel III. pursuant to introduction of Basel III. RMm Gross NPL RM29.9b, Gross NPL ratio: 3.55% 16 Capital Adequacy remains strong 60,000 9.0% 15 15.0% Gross NPL (LHS) Gross NPL ratio (RHS) 14 50,000 8.0% 13 13.1% 40,000 7.0% 12 11 30,000 6.0% 10 9 20,000 5.0% Risk Weighted Capital Ratio 8 10,000 4.0% 7 Core Capital Ratio 6 0 3.0% Apr-07 Apr-08 Apr-09 Apr-10 Oct-07 Oct-08 Oct-09 Jul-07 Jul-08 Jul-09 Jan-07 Jan-08 Jan-09 Jan-10 Apr-07 Jul-07 Apr-08 Jul-08 Apr-09 Jul-09 Apr-10 Jul-10 Jan-07 Oct-07 Jan-08 Oct-08 Jan-09 Oct-09 Jan-10 9
  • 11. Singapore: Conducive Environment ■ Singapore expected to rebound in 2010 with GDP growth Singapore expected to rebound in 2010 with GDP growth  Real GDP growth of 13‐15% in 2010;  4‐6% in 2011 g ; of between 13.0‐15.0% and 4.0 – 6.0% in 2011. 80 20 ■ Inflation is likely to range between 2.5 – 3.5% in 2010 75 15 ■ Unemployment rate projected at 2.0 – 2.5% in 2010 70 10 ■ Loan growth recovery gaining traction, driven by housing  g yg g , y g 65 5 loans and a pickup in corporate loans, particularly to the  60 0 General Commerce Sector.  Loans growth in 2009 of 3.4%  expected to improve to 7‐9% in 2010. 55 (5) ■ Net interest margin (NIM) to narrow further in 2H10 due  50 (10) to prolonged low interest‐rate environment and greater  to prolonged low interest‐rate environment and greater 0P 0P 08 08 08 08 09 09 09 09 10 10 1Q0 2Q0 3Q0 4Q0 1Q0 2Q0 3Q0 4Q0 1Q1 2Q1 3Q10 4Q10 competition for loans and deposits. Average NIM expected  Real GDP (S$B) % YoY Growth (RHS) at 1.8% to 2.1% in 2010, before rising to between 1.9% to  2.2% in 2011. Total Loans expected to grow 7‐9% in 2010 3‐month SIBOR to range between 0.5‐0.6% in 2H10 40% 0.70 30% 0.65 20% 0.60 0 60 10% 0.55 0% 0.50 -10% Sep 09 Nov 09 Dec 09 Aug 10 Sep 10 Oct 09 Jan 10 Feb 10 Mar 10 Apr 10 May 10 Jun 10 Jul 10 Axis Title Total Loans Business Loans Consumer Loans 3-Month SIBOR 10
  • 12. Indonesia: Continued Growth Real GDP Growth: picking up p g p ■ We expect 2010 GDP growth to reach 6.05%, higher  580,000 8 than the growth of 4.53% in 2009. 7 560,000 ■ Inflation rate for 2010 is expected to range between  6 540,000 6% to 6.2% from around 12% a year ago while the BI  5 Rate is expected to remain at 6.5% in order to keep  Rate is expected to remain at 6 5% in order to keep 520,000 520 000 4 the economy’s growth momentum 500,000 ■ USD/IDR is expected to hover around the 9,000 level  3 480,000 as capital inflow lends support for currency stability. 2 ■ Loan growth is expected to reach 20% with the Loan growth is expected to reach 20% with the  460,000 Real GDP (IDR bn) - LHS Real GDP Grow th (% y-y) 1 consumer segment driving growth. 440,000 0 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 Q3 2010 ■ NPL is expected to remain at 3.7% Bank s Bank’s loan growth: trending upwards Bank Indonesia policy rate on hold at 6.5% 45.00% 14 % 40.00% 12 35.00% 10 30.00% 8 25.00% 6.50 6 50 20.00% 6 6.22 15.00% 4 10.00% 2 5.00% Inflation y-y BI Rate 0.00% 0 00% 0 Mei Mei Mar Mar Okt Okt Nov Jul Nov Jun Feb Jun Jul Dec Apr Jan Feb Des Jun Jan Sep Apr Sep 31-Jul-07 31-Jan-08 31-Jul-08 31-Jan-09 31-Jul-09 31-Jan-10 31-Jul-10 Ags Ags 2009 2010 11
  • 13. Overview: Maybank Group Operating Environment: Economy and Banking Sector Strategy: St t The new House of Maybank 12
  • 14. Financial Performance: FY2010 ■ Record PATAMI for FY10 of RM3,818 million due to improved  contribution across all key business segments. ■ Quarterly PATAMI remained above RM900 million level. ■ Group loans grew 10.3% YoY with domestic loans growth of 11%. ■ A t Q lit Asset Quality continued to improve with Net NPL ratio declining to  ti dt i ith N t NPL ti d li i t 1.22% from 1.36% the preceding quarter and 1.64% a year ago. ■ Crossed regional milestone with total assets of RM336 billion  (more than USD100 billion). ■ Capitalisation remains strong with CAR* at 14.9% for the Bank and  14.6% for the Group.  14 6% for the Group ■ Normalised ROE of 13.6% exceeds our Headline KPI.  * Assuming full reinvestment of electable portion under the Dividend Reinvestment Plan Assuming full reinvestment of electable portion under the Dividend Reinvestment Plan 13
  • 15. Reframing our Vision, Mission and Strategic Objectives By 2015 B 2015 Our Vision To be a Regional Financial Services Leader Our Mission Humanising Financial Services from the Heart of ASEAN 1.  Undisputed No. 1 Retail Financial Services provider in  Strategic Objectives Malaysia by 2015 2.  2 Leading ASEAN wholesale bank eventually expanding to  di S h l l b k ll di Middle East, China & India 3.  Domestic Insurance Champion and emerging regional player 4.  Truly regional organisation, with ~40% of pre‐tax profit  derived from international operations by 2015 5.  Largest Islamic bank in ASEAN  5 L t I l i b k i ASEAN 14
  • 16. New Group Organisation Structure to support aspirations Maybank Group CEO + Support  (CFO, CRO,GHC, Legal, Compliance, Communications) (CFO CRO GHC L l C li C i ti ) Community  Global Wholesale  Insurance &  E ISLAMIC  Financial  Banking Takaful INSPIRED N Services A Leveraging  Regaining  Being the  B shared  domestic  National  L distribution,  leadership and  Insurance  Insurance E Customer  aggressively  Champion and  M INTERNATIONAL  Segment driven,  pursuing ASEAN  Living the  E EXPANSION Community  market expansion  ETIQA way N Bank by humanising T client interaction Enterprise Transformation Services 15
  • 17. Priorities for FY2011 1. Grow market share of individual and non‐retail deposits Grow market share of individual and non retail deposits  Community Financial  domestically and leverage on shared distribution synergies Services 2. Re‐align SME market segment focus 3. Ramp up universal wholesale banking model growth Global Wholesale Banking in core ASEAN markets 4. Strengthen transaction banking franchise 5. Grow investment banking capabilities and deals b k bl dd l Insurance & Takaful 6. Gain leadership in domestic insurance business International 7. Grow assets, strengthen deposits base and expand branch network in Indonesia Islamic Banking l k 8. Grow Islamic banking assets and deposits Corporate / Enterprise  9. Improve business process and upgrade IT systems Transformation Services Transformation Services 10. Implement FRS 139 and refine Basel II use. 10 I l t FRS 139 d fi B l II 16
  • 18. Bank Internasional Indonesia (BII) Gross Loans: Composition (Rp trillion) and growth  (+36%) ■ By 2015, to become among Top 5 banks by assets &  17.1  14.4  (+37%) returns, with initiatives in 5 main areas: 12.6  15.9  13.0  1. Leading banker for transportation industry 11.6  9.6  11.3  2. USD Payment Bank USD Payment Bank 8.5  ( (+33%)) 3. SME/Commercial: No. 1 in Supply Chain Financing 2.4  2.1  2.5  0.3  0.4  (+4%) 0.5  4. Corporate: No. 1 in Structured Trade Financing &  Resource Based Industry Jun 09 Dec 09 Jun 10 (+67%) Corporate SMEC(+33%) Consumer 5. No. 1 in Credit Card Sya a Syariah Subs d a es Subsidiaries Other initiatives ■ Strengthen infrastructure in IT and with branch  Net Interest Margin  expansion, from 294 branches to increase to 450 by  6.85% 6.15% 6.41% 6.62% end Jun 2012. 6.10% 5.91% 5 91% 5.90% 5 90% ■ Operate Islamic banking through Maybank Indocorp. 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 ■ BII, as one of the top 2 banks with dedicated 2  wheelers subsidiaries, is to improve WOM Finance’s  Asset Quality sales, asset quality and profitability as a top  sales, asset quality and profitability as a top 4.74% 4 74% motorcycle financing provider. 3.46% 3.49% 3.20% 2.79% 2.88% 2.39% ■ Leverage on subsidiaries to cross sell. 2.79% 2.00% 1.85% 1.90% 1.92% 1.87% ■ Maintain and strengthen service differentiation. 1.56% ■ Build on synergy opportunities with Maybank. Dec‐08 Mar‐09 Jun‐09 Sep‐09 Dec‐09 Mar‐10 Jun‐10 Gross NPL Net NPL 17
  • 19. Prospects and KPIs ■ Recovering regional economies to spur demand with loans growth of 12% in Malaysia, 24% at BII  Headline KPIs and 5% in Singapore.  ■ International  contribution is expected to increase te at o a co t but o s e pected to c ease Return on Equity Return on Equity 14% mainly from 2 key home markets of Singapore and  Indonesia and leveraging on Global Wholesale  Loans and Debt Securities  12%  Banking platform.  Growth ■ Islamic Banking is identified  as key differentiator  g y Other targets Other targets with target financing growth of 25%. Loans Growth ■ Margins expected to be stable. • Malaysia 12% ■ The  reframed vision and mission supported by  new organisation structure is expected to drive  i ti t t i t dt d i • Singapore 5% growth.  • BII 24% ■ Investment in people, technology and processes to  realise vision and strategic objectives, with efforts  Net Interest Margin Stable to reduce costs through synergies and centre of  to reduce costs through synergies and centre of Dividend Payout Ratio 40%‐60% excellence. Note: Loans growth for Singapore and BII are in  ■ Dividend Reinvestment Plan in place to ensure  local currency robust capital adequacy. 18
  • 20. Financial Performance: FY ending 30 June 2010 Business Review i i Country Review: Singapore and Indonesia Singapore and Indonesia Appendix 19
  • 21. Record profit for FY2010 452% PATAMI (RM bil.) and EPS (sen) 3.82  2.93  PATAMI (RM bil) PATAMI (RM bil) 53.3 53.9 EPS (sen) 0.69 * 12.0 FY08 FY09 FY10 * FY09 includes RM1.97 billion impairment of investments in BII and MCB 20
  • 22. FY2010: Exceeding our targets Headline KPIs Targets  Achievements 11%  Return on Equity 13.6% (revised to 13%) (revised to 13%) Revenue (net income) 8% 22.4% growth (revised to 15% normalised) (15.7% normalised) Other targets Targets  Achievements Gross Loans growth High single digit 10.3% +10 bp Net Interest Margin Stable to 2.82% Asset quality Asset quality Charge off rate: 70‐75 bps Charge off rate: 70 75 bps 53 bps 53 bps Dividend Dividend payout : 40‐60% 76.5% 21
  • 23. Exceeding our targets Gross loans growth supported by  Gross loans growth supported by Improving Asset Quality  Improving Asset Quality strong business in Malaysia and  124.5% 101.1% 112.9% commendable growth of BII  10.3% 1.92% 1 92% 1.64% 1.22% 213.3 193.3 11.3  17.1  FY08 FY09 FY10 11.7  11 7 171.0 12.4  Net NPL Loan Loss Coverage 11.9  40.6  39.3  Robust Capital Adequacy 37.0  Group Bank 14.81% 14.58% M billion 144.3  13.71% 122.1  129.9  14.06% 13.78% 14.91% 10.81% 10 81% 10.10% 10 10% 10.97% 10 97% RM FY09 FY10* FY10** FY09 FY10* FY10** Core capital ratio Core capital ratio & Risk‐ FY08 FY09 FY10 Risk‐weighted capital ratio weighted capital ratio Malaysia Singapore BII Others * Entire electable portion paid in cash under Dividend Reinvestment Plan (DRP) ** Entire electable portion reinvested under DRP 22
  • 24. PATAMI rose to RM3.8 billion FY10    FY09    YoY 4Q10   3Q10   QoQ RM million 30 Jun 10    30 Jun 09    change 30 Jun 10   31 Mar 10   change   Net interest income 6,770.9  5,919.5  14.4% 1,792.2  1,668.0  7.4% Income from Islamic  1,434.7  1,224.3  17.2% 355.8  341.5  4.2% Banking  Non‐interest income 4,666.0  3,375.2  38.2% 1,127.2  1,178.8  ‐4.4% Total net income Total net income 12,871.7 10,519.0 22.4% 3,275.1 3,188.3 2.7% Overhead expenses (6,412.1) (5,559.2) 15.3% (1,616.4) (1,586.1) 1.9% Loan Loss Provision &  (1,211.0) (1,896.3) ‐36.1% (334.6) (173.0) 93.4% Impairment on securities Operating Profit O ti P fit 5,248.6  5 248 6 3,063.5 3 063 5 71.3.3% 71 3 3% 1,324.1  1 324 1 1,429.1  1 429 1 ‐7.4% 7 4% Write off and impairment losses on goodwill and  ‐ (1,972.6) ‐ ‐ ‐ ‐ investment Share of profits in  121.8  121 8 99.5  99 5 22.4% 22 4% 35.0  35 0 26.0  26 0 34.6% 34 6% associates Profit Before Tax 5,370.4  1,674.3  220.8% 1,359.1  1,455.1  ‐6.6% PATAMI 3,818.2  691.9  451.9% 912.5  1,030.4  ‐11.4% Normalised PBT N li d 5.012.0 5 012 0 3.806.9 3 806 9 31.7% 31 7% 1,416.7.7 1 416 7 7 1,219.8 1 219 8 16.1% 16 1% 23
  • 25. Normalised PBT for FY10 grew 31.7% YoY RM million FY10 FY09 YoY Profit Before Tax (PBT) Profit Before Tax (PBT) 5,370.4  5,370.4 1,674.3  1,674.3 220.8% Unrealised (gain)/losses on derivatives (306.2) 248.2 ‐ Forex MTM (gain) / losses (145.6) 130.5 ‐ Amortisation of BII’s Customer Deposits  93.4  71.7  ‐ Intangibles Impairment of BII and MCB ‐ 1,972.6  ‐ BII related acquisition items BII related acquisition items ‐ (290.4) (290 4) ‐ Normalised PBT 5,012.0 3,806.9 31.7% 24
  • 26. Encouraging loans growth well funded by growth in deposits Loans driven by stronger consumer and BII loans growth   Loans driven by stronger consumer and BII loans growth Deposits growth Deposits growth 236.9 RM billion Jun 10 Jun 09 YoY Growth Total +11.5% 212.5 155.5 Domestic 144.3  144 3 129.9  129 9 11.0% 11 0% Malaysia +12.4% 138.4 RM million n Consumer, of which 72.2  62.8  15.0% 48.9 Singapore + 8.9% 44.9 Securities 14.7  11.4  28.6% 17.9 FY10 BII +23.4% 14.5 FY09 Vehicles V hi l 22.5  22 5 19.8  19 8 13.2% 13 2% 14.6 Others ‐0.7% Residential 26.3  24.6  6.6% 14.7 Credit Card 4.1  3.6  16.0% Loans to Deposit ratio Loans‐to‐Deposit ratio Business and Corporate 72.1  67.1  7.4% 87.4% Overseas 69.0  63.4  8.8% Group 88.0% 86.8% 89.3% S'pore (SGD b) 17.5  16.2  8.6% (3.4%*) 85.4% 88.8% Malaysia 87.7% 87 7% BII (Rp trillion) 47.3  35.5  33.3% (37.7%*) 85.4% 82.6% Singapore Others 11.3 11.7 ‐3.7 85.4% 81.4% BII 92.1% Gross Loans 213.3  193.4  10.3% * Growth in Ringgit terms FY08 FY09 FY10 25
  • 27. Non‐Interest Income driven by commission, service charges, fees and forex +38% +25% 4,666.0  FY09 FY10 3,375.2 +27% RM million 2,606.9  , m 2,057.5 +18% +5% +11% +281% +92% 437.1 517.2  505.3 530.1  432.9 480.8  219.7  311.3  114.2 ‐171.9 Total Commission, service  Foreign Exchange g g Net premiums  p Investments and  Other Income Unrealised gain  g charges & fees written Trading Income / (losses) on  securities  & derivatives 26
  • 28. Expenses grew slower than revenue growth Personnel costs 15.3% 15 3% IT expenses 6,412.1 Marketing expenses 296.6  Change QoQ % YoY % Admin, general expenses, fees &  5,559.2 5 559 2 Personnel costs 0.2% 14.3% brokerage 308.6  Insurance claims 2,279.3  IT expenses ‐5.1% ‐0.1% 1,783.6  1 783 6 1.9% Marketing expenses ‐64.3% 1.3% 438.5  Admin, general  1,586.1 1,616.4 expenses & fees &  21.9% 27.8% 79.9  432.9  479.3  brokerage 63.6  480.0  480 0 Insurance claims 25.5% ‐3.9% 518.7  632.5  RM million Total 1.9% 15.3% 148.4  53.0  113.5  107.7  2,918.4  , R 2,554.0  741.9  743.3  3Q10 4Q10 FY09 FY10 27
  • 29. Other key ratios continued to improve ROE on normalised basis driven by higher revenue ROE on normalised basis driven by higher revenue Fee to Income strong compared to last year   Fee to Income strong compared to last year 37.1% 17.2% 33.8% 33 8% 13.6% 33.0% 12.8% FY08 FY09 FY10 FY08 FY09 FY10 Net Interest Margin driven by OPR hikes Cost to Income declined YoY 52.8% 2.82% 2.84% 2.76% 2.77% 2.76% 49.8% FY09 2.82% FY10 49.1% (Normalised ) 2.72% 2 72% FY10 47.8% FY09 50.3% 49.8% 49.7% 49.4% 45.9% 4Q09 1Q10 2Q10 3Q10 4Q10 4Q09 1Q10 2Q10 3Q10 4Q10 28
  • 30. Higher dividend payout • Final gross dividend payout of 44 sen (33 sen net) subject to Dividend Reinvestment Plan • Net dividend of 33 sen = 3 sen cash portion + 30 sen electable portion Gross Dividend (sen) and Payout Ratio (%) 76.5% 60.0% 61.0% 55.0 43.6  20 44 29 8 11 FY08 FY09 FY10 FY08 full year dividends are adjusted for rights issue  29
  • 31. Financial Performance: FY ending 30 June 2010 Business Review i i Country Review: Singapore and Indonesia Singapore and Indonesia Appendix 30
  • 32. Improved performance across all business segments 22.4% 12,872  FY09 FY10 M million) 10,519  9.5% 32.3% 11.0% 11 0% Revenue (RM 4,460  99.2% 10.7% 3.1% 4,074  3,749  2,833  2.9% 2,270  2,519  716  1,426  950  1,052  229  236  (554) (570) Total Consumer  International  Business and  Global Markets Insurance and  Investment  Corporate  Banking Banking Corporate  Asset  Banking Office million) Banking Management 220.8% ore tax (RM m 5,370 8.3% 30.5% 135.1% 302.2% 34.8% Profit befo 1,674 18.8% 18 8% 1,476 1,598 1,291 ‐72.1% 1,251 931 1,215 311 549 328 442 121 144 570 ‐570 ‐2,043 31
  • 33. Consumer Banking: Housing Loans and Auto Loans Housing Loans market share stabilising g g Uplift in new housing loans p g 16% FY10: RM2.14 bil. ‐1.0% 700 242% 14.9% uplift 15% ‐0.5% 600 13.9% 500 14% 13.4% on RM millio 400 FY09: RM0.63 bil. 13% 300 12% 200 11% 100 10% 0 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 FY08 FY09 FY10 Housing includes other mortgage loans Improving auto loans market share Uplift in new auto Loans 25% 18% uplift FY10 RM2.48 b 17.4% 1,000 16.8% FY09 RM1.98 b 17% 800 on RM millio 16% 15.7% 600 400 15% 200 14% 0 FY08 FY09 FY10 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 32
  • 34. Business and Corporate Banking Loans growth led by Commercial and Corporate Banking Loans growth led by Commercial and Corporate Banking Improvement in Asset Quality (Gross NPL ratio) po e e t sset Qua ty (G oss at o) 68.8 11.7% 12.3% 11.5% 10.8% 64.0 Business  10.2% 14.0 SME Banking 14.9 RM  billion 13.4 13 4 1.2% 1 2% 1.3% 1 3% 1.3% 1 3% 1.3% 1 3% 11.0 1.0% Commercial  Corporate  Banking Banking 38.1 41.4 Corporate  Banking FY09 FY10 Jun 09 Sep 09 Dec 09 Mar 10 Jun 10 Growth spearheaded by term loans  Diversified loans by economic sector Transport &  Trade Bills ‐1.4% Education &  Comm. Finance,  Health 8% Insurance, Real  FY10 2% STRC 2.6% Estate  FY09 27% Sectors N.E.C Wholesale &  2% OD 0.3% Retails Trade 12% Primary  Construction Agriculture Term Loans 17.8% 15% 4% ‐ 10  20  30  40  Utilities Manufacturing  7% 23% 33
  • 35. Global Markets Strong growth in Revenue and PBT Strong growth in Revenue and PBT Securities Portfolio Total RM54.2 billion 99.2% BII, 6% 135.1% Others, 2% Government  Securities,  Securities 1,291.0  51% 1,426.0  Negotiable  Instruments  of Deposits /  PDS /  BA, 4% BA 4% Corporate  Corporate RM  billion n Bonds, 36% 716.0  549.0  Credit Rating for Private Debt Securities in Malaysia C dit R ti f P i t D bt S iti i M l i A+ and  below, 25.4% b l 25 4% AAA, 38.7% FY09 FY10 Revenue PBT AA‐ to AA+,  35.9% 34
  • 36. Insurance and takaful Market Share: No. 1 in Life/Family (new business) Market Share: No. 1 in General Etiqa 18.9% Etiqa 10.1% ING Insurance 13.7% Allianz General 9.5% Great Eastern 12.5% AMG Insurance 8.7% Prudential 11.0% Kurnia 7.2% MAA 5.8% 5 8% MSIG 6.1% Source : ISM Report 0% 5% 10% 15% 20% 0% 5% 10% Combined Gross Premium grew 27% YoY Overall Loss Ratio Lower Than Industry  55.3% (Maybank) vs 61.3% (Industry) 55 3% (Maybank) vs 61 3% (Industry) Industry dust y Combined… +27% 61.3% 79.2% 75.8% Regular Premium +8% 70.4% Motor 66.6% 79.5% Life/Family Single Premium +54% Misc. 48.3% Total Life/Family +33% FY10 41.0% 43.3% 45.3% 43.8% 43 8% FY09 Motor +8% MAT 20.3% 29.1% General 7.3% 6.4% ‐8.4% Fire +23% 32.0% 9.3% Total General Total General +16% 16% Fire 15.1% 15 1% 21.0% 21 0% 26.4% RM billion 0.0 1.0 2.0 3.0 4.0 5.0 1Q10 2Q10 3Q10 4Q10 35
  • 37. Islamic Banking  Income and PBT Leading market share (by Total Assets) +20% Total  1,849 Attributable  Maybank Islamic’s Maybank  Total Asset grew  Income 1,536 Islamic, 17% 28% to RM44.5 bil.  PBT and zakat in FY10 RM  billion Others, 42% Others 42% Public  Public +12% Islamic, 11% 476 533 CIMB  Islamic, 12% Am Islamic,  Bank  Islam,  FY09 FY10 7% 11% Improving key ratios for Maybank Islamic Maybank Islamic financing (YoY growth) +17% 17% FY09 FY10 12.4  FY10 FY09 10.6  +10% ‐15% +63% RM  billion Financing to  Financing to 5.0 5.5  5.0  +59% +3% 4.4  44 97.0% 105.0% 3.5  3.0  2.7  Deposits Ratio 2.1  2.1  0.8  1.2  Islamic Financing to 24.2% 20.5% AITAB House  Term  Cash Line‐i Trade  Term  Total Domestic Loans Financing Financing Financing Financing Consumer: +16% Business: +14% 36
  • 38. Financial Performance: FY ending 30 June 2010 Business Review i i Country Review: Singapore and Indonesia Singapore and Indonesia Appendix 37
  • 39. Singapore PBT rose 36% yoy PBT rose 36% yoy Diversified Loan Portfolio Diversified Loan Portfolio 612.4  612.6  +8.6% Others 20 17.5 +36% 16.1 Car loans  SGD million 15 4.3 338.0  Revenue 4.3 SGD billion 247.7  3.3 Housing Loans 10 3.2 PBT 4.1 3.7 5 General Commerce 1.8 2.2 3.2 32 3.6 0 Building &  FY09 FY10 Construction FY09 FY10 Asset Quality improving  Loans Growth exceeds Industry Maybank M b k 1.01% 0.93% 32.0% 30.6% Singapore 0.09% 0.75% Growth 0.63% 18.4% 4.97% 6.8% 16.2% 23.4% 13.6% 0.16% 0.10% 0.77% 0.09% ‐1.38% 4.0% 0.07% 4Q09 1Q10 2Q10 3Q10 4Q10 Jun 06 Jun 07 Jun 08 Jun 09 Mar 10 Gross NPL Net NPL  Maybank Singapore Growth Industry Growth 38
  • 40. Bank Internasional Indonesia Income Statement I St t t Jul 09-Jun 10 Jul 08-Jun 09 Rp Billion Contribution Contribution Interest income I t ti 6,065 6 065 4,915 4 915 Interest expense (2,753) (2,727) Net interest income 3,312 2,188 Non interest Non-interest income 1,762 1 762 1,187 1 187 Gross Operating income 5,074 3,375 Operating expenses (excluding prov.) (3,419) (2,147) Operating income before p p g provision 1,655 1,228 Provisions (1,048) (1,082) Profit before taxation and zakat 607 146 Net profit 498 14 Note: • Based on income statement consolidated into Group accounts. • The accounts of BII were consolidated into Maybank Group beginning October 2008 after the acquisition of the  56% in BII was completed at the end of September 2008. In early December, Maybank completed the acquisition  of 97.5% of BII. 39
  • 41. Bank Internasional Indonesia Gross Loans: Composition (Rp trillion) and growth  Asset Quality (+36%) 17.1  14.4  (+37%) 4.74% 12.6  15.9  3.46% 3.49% 13.0  3.20% 2.79% 2.88% 11.6  (+33%) 2.39% 9.6  96 11.3  8.5  2.79% (+4%) 2.00% 1.85% 1.90% 1.92% 1.87% 2.4  2.1  2.5  (+67%) 1.56% 0.3  0.4  (+33%) 0.5  Jun 09 Dec 09 Jun 10 Dec 08 Dec‐08 Mar 09 Mar‐09 Jun 09 Jun‐09 Sep 09 Sep‐09 Dec 09 Dec‐09 Mar 10 Mar‐10 Jun 10 Jun‐10 Corporate SMEC Consumer Syariah Subsidiaries Gross NPL Net NPL Net Interest Margin  Branches and ATM Branches 806 844 ATM + CDM 740 745 743 748 787 6.85% 6.15% 6.41% 6.62% 430 370 6.10% 6 10% 5.91% 5 91% 249 252 255 255 255 260 274 5.90% Local Statutory report & Local Accounting Policy  ep‐09 ec‐08 Mar‐09 un‐09 ec‐09 Mar‐10 un‐10 un‐11 un‐12 NIM 2Q10 = 5.70% De De Se Ju Ju Ju Ju 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 Projected 40
  • 42. Appendix 43. Asset Quality 44. Capital Adequacy 45. Consumer Banking: Housing Loans and Auto Loans 46. Consumer Banking: Cards 47. Investment Banking 48. Investment Banking: Notable  Deals 49. Maybank Group’s Regional  Network 50. Regional Expansion 51. Bank Internasional Indonesia (BII) 52. BII: WOM Finance 53. MCB Bank 54. Illustration of DRP Computation 41
  • 43. Asset Quality continued to improve. Net NPL declined to 1.2% Non Performing Loans (NPL) g ( ) Loan Loss Coverage g 3.50% 3.46% 3.26% 204.4% 198.9% 3.05% 198.2% 2.90% 200.0% 177.9% 1.64% 1.60% 1.43% 1.36% 180.0% 173.4% 1.22% Malaysia Singapore 4Q09 1Q10 2Q10 3Q10 4Q10 160.0% BII Gross NPL Net NPL Overall 140.0% Specific Provision Charge Off Rate 122.0% FY09 120.5% 117.8% 120.3% 117.8% 59 109.4% 120.0% 108.9% 77 FY10 108.3% 110.7% 104.6% 53 57 112.4% 51 108.0% 100.0% 107.0% 105.7% 48 38 97.4% SP Charge off rate (bps) 80.0% 80 0% 4Q09 1Q10 2Q10 3Q10 4Q10 4Q09 1Q10 2Q10 3Q10 4Q10 42
  • 44. Capital Adequacy remains robust Group 14.81% 13.71% 14.58% 10.81% 10.10% 10.97% FY09 FY10 FY10* FY10** FY10 Core capital ratio Risk‐weighted capital ratio * Entire electable portion paid in cash under Dividend Reinvestment Plan (DRP) ( ) Bank ** Full electable portion reinvested under DRP 14.06% 14.91% 13.78% FY09 FY10* FY10** Core capital ratio & Risk‐weighted capital ratio 43
  • 45. Consumer Banking: Housing Loans and Auto Loans  Rising Housing Loan Stock Rising Housing Loan Stock Housing Loans: Improving Asset Quality Housing Loans: Improving Asset Quality 4,115 (RM million) Gross NPL 3,448 3,090 7.8% 7.6% 2,795 7.1% 6.6% 2,244 5.7% 4Q09 1Q10 2Q10 3Q10 4Q10 4Q09 1Q10 2Q10 3Q10 4Q10 Housing includes other mortgage loans Auto Loans: Rising Approvals  Auto Loans: Improving Asset Quality (RM million) 2,590 2,707 Gross NPL 2,339 2,235 2,254 1.2% 1.2% 1.1% 1.0% 0.7% 4Q09 1Q10 2Q10 3Q10 4Q10 4Q09 1Q10 2Q10 3Q10 4Q10 44
  • 46. Consumer Banking: Cards Gaining Market Share Card Growth above industry  Jun 10 Jun 09 YoY Maybank Industry* Cardbase 16.6% 15.0% Cardbase ‐9.0% ‐17.7% Billings  Billings 21.8% 20.7% Billings  Billings 20.2% 14.4% Receivables 14.4% 14.0% Receivables 14.8% 11.3% Merchant Sales 29.3% 26.5% Merchant Sales 23.4% 11.5% • Card base excludes Debit cards Card base excludes Debit cards • Industry figures for cards includes commercial banks and non FI players Industry figures for cards includes  commercial banks and non‐FI players • Merchant and Billings consist of transactions done through  • Between Oct 09 to Jun 10, Maybank’s cardbase declined ‐10.9% vs.  Credit, Charge and Debit cards industry ‐19.2% Cards Receivables 5 4.1 3.9 3.9 3.7 3.6 3.6 3.6 M  billion 3.3 4 3 RM 2 1 0 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 45
  • 47. Investment Banking FY10: Strong recovery in fee based income to FY08 level  g y g FY10 Income Segmentation Other  FY10 196.2 Income 10% FY09 107.3 Fund  Based  FY08 198.3 Income 8% FY07 97.9 Fee Based  FY06 54.0 Income 82% 0 50 100 150 200 250 Industry Position & Market Shares : July 09 – June 10 Industry Rank Total Value (bil)  Deals/Issues Market Share M&A 5 RM 1.37 7 n.a rg Source: Bloomber Equity & Rights Offerings 2 RM 3.03 13 13.1% Debt Markets ‐ Malaysia Domestic Bonds 4 RM 5.48 64 11.8% Debt Markets ‐ Malaysian Ringgit Islamic Bonds 2 RM 4.74 29 19.2% 6.94% of Bursa  Equity Brokerage 4 n.a 6.9% Trading Value   46
  • 48. Investment Banking: Winning Notable Deals in FY2010  Debt Capital Markets Cagamas Berhad: Islamic and Conventional CP and MTN Issuance Programme (RM60 billion) Bookrunner Sime Darby: RM4.5 billion Islamic MTN Programme and CP/MTN Programme (Combined master limit of RM4.5 billion), Principal Adviser/ Lead Arranger/ Joint Lead Manager Syarikat Prasarana: Government Guaranteed Sukuk Ijarah Medium Term Notes (RM4.0 billion) Joint Lead Manager Government of Indonesia: Trust Certificates due 2014 (USD650 million) International Co-Manager UMW Holdings Bhd: RM300 million Islamic CP/MTN and RM500 million Islamic MTN Principal Adviser/ Lead Arranger/ Lead Manager Putrajaya Holdings Sdn Bhd: Sukuk Musyarakah Islamic Medium Term Notes (RM1.5 billion) Joint Principal Adviser/ Joint Lead Arranger/ Joint Lead Manager Equity Cap ta Markets qu ty Capital a ets Maxis Berhad: Initial Public Offering (RM11,198 million) Joint Lead Manager, Joint Managing Underwriter Malaysia Airline System Berhad: Rights Issue (RM2,673.7 million) Joint Adviser, Joint Underwriter Sunway REIT: Initial Public Offering (RM1,486.8 million) Joint Bookrunner, Joint Underwriter Tenaga Nasional Berhad: Secondary Placement (RM702.68 million) Placement Agent UEM Land Holding Berhad: Rights Issue (RM971.3 million) Joint Underwriter 47
  • 49. Maybank Group’s Regional Network Other Markets Brunei (3 branches) Bahrain Pakistan China Papua New Brunei Guinea Treasury Centres y Treasury An Binh Bank Centres (95 branches). To New York Growth increase branches in to 150 selected assets London and Vietnam (2 Treasury branches) activities Exploring to open 1 additional branch. Hong Kong ASEAN Cambodia (9 branches). To increase branches to 11 by FY2011 Philippines Singapore (22 branches) to focus BII (294 branches). To add 200 (47 branches). on building strength in key branches by 2011 & Double ATMs to Further expansion products such as Auto & Housing 1,500 by 2011. of operations in Loan Possible conversion of Bank Maybank Philippines For C F Corporate/SMEs, t selectively t /SME to l ti l Indocorp i t S i h B k I d into Syariah Bank grow customer base 48
  • 50. Regional Expansion On Track Gross Revenue (RM million)  ( ) International: International: 26.5% 28.9% FY09 1,313 1,185 FY10 1,388  (12.5%) (11.3%) (10.8%) 288 1,874 (2.7%) (14.6%) ( ) 463  (3.6%) 7,733 (73.5%) 9,147  (71.1%) Profit Before Tax (RM million)  FY10 International: 82  ‐275 70 (1.3%) 21.0% FY09 (‐16.4%) International: (4.9%) 25.4% 238  (4.4%) 618  1,249  818  4,243  (15.2%) (36.9%) (74.6%) (79.0%) 49 49
  • 51. Bank Internasional Indonesia PBT  turned positive  PBT turned positive Customer Deposits p 5,192 52.2 47.3 46.7 43.5 42.4 43.8 41.0 3,335 llion Rupiah Billion Revenue R Rupiah tril PBT 970 ‐258 Dec‐08 Mar‐09 Jun‐09 Sep‐09 Dec‐09 Mar‐10 Jun‐10 FY09 FY10 Cost to Income Ratio Capital Adequacy: bank only 66.5% (credit & market risk) (credit & market risk) 65.0% 63.9% 20.20% 63.3% 63.0% 19.44% 19.73% 19.08% 61.9% 14.71% 14.39% 15.57% 57.4% * 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 *Normalized Local Statutory report & Local Accounting Policy  Dec‐08 Mar‐09 Jun‐09 Sep‐09 Dec‐09 Mar‐10 Jun‐10 Cost to Income Ratio 2Q10 = 59.85% 50
  • 52. Bank Internasional Indonesia: WOM Finance Revenue and PBT Monthly Sales Volume Monthly Sales Volume Thousands of units 681 709 55.7 54.2 56.9 52.8 45.6 44.5 40.9 42.1 38.4 36.1 36.8 Rupiah Billion 35.7 Revenue 31.1 PBT 118 14 Mar 10 Apr 10 Jun 10 Dec 09 Jan 10 Feb 10 Nov 09 Jul 09 Aug 09 Sep 09 Oct 09 Jun 09 May 10 YTD Jun 09 YTD Jun 10 Asset Quality Default Rate 7.06% 16.3% 4.76% 5.50% 14.0% 11.8% 3.43% 2.96% 1.94% 1.83% 5.8% 6.7% 1.31% 1.06% 1.17% 2Q09 3Q09 4Q09 1Q10 2Q10 2Q09 3Q09 4Q09 1Q10 2Q10 Gross NPL Net NPL Default Rate 51
  • 53. MCB Bank: Financial Highlights Revenue and PBT Capital Adequacy Ratio (CAR) Capital Adequacy Ratio (CAR) 20,842 20,688 21.2% PKR billion 11,689 12,212 Revenue b PBT 18.8% 1H09 1H10 1H09 1H10 Loans and Deposits Key Ratios 1H10 1H09 419.2  ROA 3.1% 3.3% 367.6  ROE 25.3% 27.4% PKR billion 253.2  245.1  Jun 09 Cost to Income Ratio 31.1% 25.2% Jun 10 Loan-Deposit Ratio 61.9% 73.4% NPL Ratio 9.2% 8.6% Net Interest Margin 8.0% 8.1% Capital Adequacy Ratio 21.2% 19.1% Loans Deposits 52
  • 54. Illustration of DRP Computation From our shareholders’ perspective, RM based on per 1,000 Maybank shares Net Dividend per 1,000 Maybank shares (33 sen) 330 - Cash Portion (3 sen) 30 - Electable Portion (30 sen) 300 Number of new Maybank shares acquired assuming shareholder elect to reinvest the entire Electable Portion in new Maybank Shares 42 new at RM7 00 per share (Assume average price is RM8 00 with 8 75% RM7.00 RM8.00 8.75% Maybank shares discount). Total cost of 42 new shares : 42 x RM7.00 = RM294 294 Remaining balance to be paid in cash 6 Total cash dividend received (RM30.00 + RM6.00) 36 53
  • 55. Thank You Thank You 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 offer, offer, securities, 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. MALAYAN BANKING BERHAD Khairussaleh Ramli Hazimi Kassim Raja Indra Putra 14th Floor, Menara Maybank Chief Financial Officer Head, Strategy and Corporate Finance Head, Investor Relations 100, Jalan Tun Perak Contact: (6)03‐2074 4288  Contact: (6)03‐2074 8101 Contact: (6)03‐2074 8582 50050 Kuala Lumpur, Malaysia Email: khairul@maybank.com.my Email: hazimik@maybank.com.my Email: rajaindra@maybank.com.my Tel : (6)03‐2070 8833 www.maybank.com 54