A look into the definition and types of investors using Maybank, AirAsia and Tabung Haji as examples. *Credit to the designer of the slides *This work was a team effort

1. FINANCIAL COMMUNICATION
Investors

2. WHAT IS AN
INVESTOR?

3. ⊸ An investor is a person that allocates capital
for a business or product with the expectation
of a future financial return whose primary
goals are preservation of the original
investment (the principal), a steady income,
and capital appreciation. They take on high
risks for high rewards.

4. TYPES OF
INVESTORS

5. TYPESOFINVESTORS
Growth
Investors
Value Investors
Income
Investors

6. ⊸ Growth Investors

7. Growth Investors
⊸ Typically invest in growth stocks such
as young or small companies whose
earnings are expected to increase at
an above-average rate as measured by
revenues, earnings, or cash flow
⊸ They seek for high capital gains and
is always after the next big thing
Types of Investors

8. Growth Investors
⊸ Example: Permodalan Nasional Berhad (one
of their investee - MAYBANK)
⊸ Maybank has reported consistent growth in
operating revenues over the last 10 years.
▫ It has risen from RM 15.2 billion in 2007
to RM 45.6 billion in 2017
▫ It is directly contributed by steady growth
in both the net interest income and non-
interest income
Types of Investors

10. Growth Investors
⊸ Example: Permodalan Nasional Berhad (one
of their investee - MAYBANK)
⊸ Has generated rising operations cash flows
▫ Increased from RM 5.6 Billion in 2008 to
RM 11.7 Billion in 2017.
▫ Total operating cash flows before
working capital changes amounted to RM
87.0 billion during the 10 year period
Types of Investors

12. ⊸ Value Investors

13. Value Investors
⊸ Actively picking stocks they think
that is underestimated, appear to
be trading for less than their
intrinsic or book value
(undervalued stocks)
⊸ They will seek the opportunity to
buy stocks at discounted prices as
the stock price movements do not
correspond to a company's long-
term fundamentals
⊸ Example: AirAsia
⊸ Tony Fernandes bought the
company for 24 US cents has grown
the brand to a net worth of more
than $1.5 billion
⊸ Two primary factors that
differentiated AirAsia were:
▫ Always embraced digitization
▫ The organization is built on
inclusivity and creating a
fantastic work culture
Types of Investors

14. Value Investors
Types of Investors
⊸ Taken from “AirAsia Fleet Details and History”. planespotters.net.
10 February 2019

15. ⊸ Income Investors

16. Income Investors
⊸ Pays attention on companies
share prices or companies with
surplus cash so that they can
constantly receive the profit
earned from the chosen company.
⊸ Example: Tabung Haji
⊸ Investor framework consists of 50%
equity, 27% fixed income, 15%
properties and 5% cash
⊸ 27% of fixed income includes
investments in:
▫ Government of Malaysia
Investment Issues
▫ Corporate Sukuk
▫ Commercial Papers
▫ Islamic Negotiable Instruments
▫ Medium and Short-term Islamic
Money Market Instruments
▫ Financing to Subsidiaries
Types of Investors

17. *Taken from
Tabung Haji
Annual Report

18. *Taken from Tabung Haji Annual Report

19. Q & A!
Any questions?