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0 0 www.maybank.com Humanising Financial Services Maybank Islamic Investor Day Menara Maybank, Kuala Lumpur 2 July 2018
0 0www.maybank.com
Humanising Financial Services
Maybank Islamic Investor Day
Menara Maybank, Kuala Lumpur
2 July 2018
1
Table of Contents
Contents Page
The Current Islamic Banking Landscape & Where It Is Today
Islamic Banking Industry Developments in Malaysia 2
Islamic Banking Industry Growth in Malaysia and Indonesia 6
Maybank Group Islamic Banking
M2020 Aspirations 10
Financials 11
Global Presence 16
Product Development & Innovation 20
Centre of Excellence 22
Outlook & Priorities 2018 24
Appendix 28
2
Islamic Banking Milestones in Malaysia
BNM launched
Malaysia
International
Islamic
Financial
Centre (MIFC)
and released
new guidelines,
including
incentives
BNM
allowed the
provision of
Islamic
banking
through
“window”
operations
Maybank was
the first to
offer an
Islamic window
BNM further
liberalised the
Financial Sector
(issuance of 2 new
Islamic banking
licenses; increase
foreign ownership
to 70%; and
potential creation
of Mega Islamic
bank)
As an alternative banking, offering of
plain-vanilla deposit and financing
products
Rapid growth - accounting for almost 29% of domestic banking assets;
products offering at par with conventional; growing number of
domestic and foreign players
Maybank Islamic
commenced operations
as Islamic subsidiary
Banks with Islamic
banking windows
allowed to convert
to Islamic bank
Issuance of 3
foreign Islamic
bank licenses
BNM’s Financial
Sector Blueprint
2011-2020 –
“Internationalisation
of Islamic Finance”
Islamic Financial
Services Act 2013
came into force.
This also marked
the beginning of
Islamic Investment
Accounts.
SC launched the
Sustainable and
Responsible
Investment (SRI)
Sukuk framework
SC will be rolling
out its sustainable
and responsible
investment (SRI)
funds framework
in the second half
of 2017, allowing
fund managers to
provide products
that are built on
SRI and Shariah
elements.
In July 2017, BNM
also released its
VBI Strategy
Paper.
Establishment
of Lembaga
Tabung Haji
Malaysia passes
Islamic Banking
Act 1983 to allow
establishment of
Bank Islam
Bank Islam began
its operation on
(1st July 1983)
Bank Islam
listed on
Kuala
Lumpur
Stock
Exchange
Board
Islamic Banking in Malaysia started with the establishment of Lembaga Tabung Haji in 1963. Since then, the Central
Bank has continuously strengthened regulatory standards to develop the Islamic Finance market.
3
Islamic Financial Services Act 2013
Islamic Banking Businesses in Malaysia are regulated by the Islamic Financial Services Act 2013. We are governed by
both the regulatory authorities Bank Negara Malaysia (BNM) and the Security Commissions (SC).
By definition in the Islamic Financial
Services Act 2013:
“Islamic banking business” means the
business of –
1. Accepting Islamic deposits on current
account, deposit account, savings
account or other similar accounts, with
or without the business of paying or
collecting cheques drawn by or paid in
by customers; or
2. Accepting money under an
investment account; and
3. Provision of finance
Key elements in Islamic Banking:
1. Prohibition of Usury – Interest (Riba)
2. Prohibition of Ambiguity (Gharar)
3. Prohibition of impermissible activities
such as gambling, selling of liquor, etc.
IFSA 2013
4
Recent Developments : SC Guidelines and BNM Strategy Paper
The SC and BNM have recently released guidelines and strategy papers to encourage growth of Sustainable and
Responsible Investment and Banking Products in the market.
An SRI fund must be a fund structured as a:
i. Unit trust fund
ii. Closed-end fund
iii. Wholesale fund
iv. Exchange-traded fund
v. Real estate investment trust
vi. Venture capital / Private equity fund
vii. Any other fund structure permitted by SC
The fund must incorporate one or more
sustainability considerations such as:
Requirements of SC SRI Funds
United Nations Global Compact Principles
One or more of the United Nation’s 17
Sustainable Development Goals
Any other environmental, social or
governance factors
Malaysia is currently the largest Sustainable Responsible Investment (SRI) funds market in Asia
(excluding Japan) with 30% of the region’s USD52 billion of assets.
5
Recent Development : BNM Strategy Paper Value-Based Intermediation
Embed the culture of self-
discipline within the
operations and practices of
Islamic banks
VBI Key Thrusts
• The vision under VBI is for Islamic
banks to be more impact-driven in
the design and offering of product, and
in their dealings with customers.
Support entrepreneurial
activities by providing
comprehensive and
relevant offerings
Continuous effort to
improve offerings,
processes and dealings with
stakeholder
Create positive impact
through effective solutions
to help affected
communities
What is VBI?
• “An intermediation function that aims
to deliver the intended outcomes of
Shariah through practices, conduct
and offerings that generate positive
and sustainable impact to the
economy, community and
environment, consistent with
shareholders sustainable returns and
long-term interests”.
BNM has stated that the next level of growth for Islamic Banking is to implement value-based intermediation (VBI).
6
Islamic Banking in Malaysia
Malaysia continues to be one of the top three countries
dominating the global Islamic Finance market
Share of global Shariah banking assets1
Rank Countries %
1 Saudi Arabia 33.0
2 Malaysia 15.5
3 UAE 15.4
4 Kuwait 10.1
5 Qatar 8.1
World Islamic Banking Competitiveness Report 2016 - EY
Bloomberg – Global Sukuk League, 2017
2017 Sukuk volume by country
Rank Countries US$ mil
1 Malaysia 21,489.27
2 Saudi Arabia 12,499.72
3 UAE 3,725.00
4 Indonesia 3,715.87
5 SNAT2 3,708.53
Note: 1. The analysis above excludes Iranian banks
Note: 2. Supranational ie; Islamic Development Bank, World Bank and IMF
Global Islamic Finance Market* Size (USD billion)
2,202.00
3,782.00
Year 2016
Year 2022 (f)
2016-2022 CAGR Growth: 9.4%
*Does not include undisclosed assets of most Islamic windows
Global Islamic Banking Market Assets* (USD billion)
1,599.00
2,439.00
Year 2016
Year 2022 (f)
2016-2022 CAGR Growth: 7.3%
*Does not include undisclosed assets of most Islamic windows
Source: State of the Global Islamic Economy Report 2017/18
7
Islamic versus Conventional Banking in Malaysia
Assets Financing Deposits
18% 19%
69%
31%
Conventional Islamic
60%
40%
2017 2020
Assets Financing Deposits
26% 31% 27%
Percentage of Islamic Contribution to Total
Industry in 2010
17%
Percentage of Islamic Contribution to Total
Industry in 2017
CAGR : 14% CAGR : 25% CAGR : 25%
According to Bank Negara Malaysia, Islamic financing
will account for 40% of total financing in 2020
Conventional Growth
Islamic Growth
CAGR : 6% CAGR : 6% CAGR : 5%
8
Islamic versus Conventional Banking in Indonesia
Assets Financing Deposits
21.5 25.2
Islamic Banking Contribution in 2017 (USD
billion)
32.1
Islamic Banking: Contribution Breakdown
According to OJK, the total assets* for Islamic
Finance as at Dec-17 has reached USD 83.67 Billion
66.2% 65.2% 69.7%BU
S
31.3% 32.9% 28.2%UU
S
2.5% 1.9% 2.1%
BPRS
*Does not include Shariah-compliant stocks
2014 2015 2016 2017
17.7%20.7%
29.8% 26.9%
Islamic Finance Assets Growth YoY
8.24%
Islamic Finance Market Share
vs Conventional Market (Assets)
Year 2017
Note: 1. BUS: Bank Umum Syariah
Note: 2. UUS: Unit Usaha Syariah
Note: 3. BPRS: Bank Pembiayaan Rakyat Syariah
Performance Breakdown
2017
32.11
7.34
44.25
6%
5%
15%
0%
5%
10%
15%
20%
IslamicBanking
Takaful IslamicCapitalMarket
01020304050
USD Million Contribution
9
Maybank Group Islamic Banking
Maybank Group Islamic Banking
(MGIB) delivers Shariah-compliant
solutions across Community
Financial Services and Global
Banking lines, operating in
Malaysia, Indonesia, Singapore,
Hong Kong, Labuan, London and
Bahrain.
Our aim is to become a Global
Leader in Islamic Finance by the
year 2020 (M2020 Aspiration) whilst
creating value for our clients and
the communities that we serve.
10
M2020 Aspiration
Commendable financial
performance and strong
capitalisation
FINANCIALS
Aspire to be a Thought
Leader and point of
reference for Shariah-
based commercial
stipulations and Islamic
Finance in general and
globally recognised as a
leading Islamic
Financial institution by
sovereigns, corporates,
Islamic Finance
institutions and the
broader community
GLOBAL
PRESENCE
Developing products and
services leveraging on
Islamic finance’s unique
differentiators, with a
focus on enhancing the
Bank’s investment
intermediation role to
complement its existing
credit intermediary
function
PRODUCT
DEVELOPMENT &
INNOVATION
Further
enhancement of
COE through
collaboration with
internationally
renowned bodies
and institutions
CENTRE
OF EXCELLENCE
TARGETING VALUE CREATION ACROSS ALL ASPECTS
Our M2020 aspiration is premised on the following key pillars
M2020 ASPIRATION
11
Strategic Objectives
MGIB1 Aspirational Contribution to
Maybank Group in 2020
ASSETS FUNDING PBT
50% 50% 40%
28.8%
2017
31.0%
2017
26.6%
2017
26.9%
2016
27.9%
2016
21.2%
2016
Achieve commendable financial performance and strong capitalisation
Source: Maybank Annual Report 2017
Note: 1. Maybank Group Islamic Banking 2. Funding comprises Customer Deposits and Unrestricted Investment Account (UA).
Maybank Islamic Contribution to MBB Domestic
MGIB Contribution to Maybank Group
FINANCIALS
Regional Financial Contribution as at Dec-17
PBT Operating Income
84% 81%
16% 19%Malaysia
International
2
12
Competitive Landscape: Islamic 1st Strategy has Led to Significant Growth
202.50
105.15
85.28
57.12
55.72
57.74
39.80
Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17
Total Assets (RM billion)
Maybank Islamic
Competitor 1
Competitor 2
Competitor 3
Competitor 4
Competitor 5
Competitor 6
Maybank Islamic remains the largest Islamic Banking institution in Malaysia by Total Assets.
Source: Respective banks’ Financial Statement
13
Competitive Landscape: Islamic 1st Strategy has Led to Significant Growth
163.56
70.63
57.55
42.69
42.01
42.98
27.63
Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17
Total Financing (RM billion)
Maybank Islamic
Competitor 1
Competitor 2
Competitor 3
Competitor 4
Competitor 5
Competitor 6
Maybank Islamic remains the largest Islamic Banking institution in Malaysia by Financing Assets.
Source: Respective banks’ Financial Statement
14
Competitive Landscape: Islamic 1st Strategy has Led to Significant Growth
154.45
83.24
65.82
49.50
50.47
37.85
28.80
Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17
Total Deposits and Unrestricted Investment Account (RM billion)
Maybank Islamic
Competitor 1
Competitor 2
Competitor 3
Competitor 4
Competitor 5
Competitor 6
Maybank Islamic ranked 1st amongst Islamic Banks, almost double its nearest competitor.
Source: Respective banks’ Financial Statement
15
Competitive Landscape: Islamic 1st Strategy has Led to Significant Growth
2.27
2.00
0.81
0.77
0.53
0.48
0.27
Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17
Profit Before Taxes (RM billion)
Maybank Islamic
Competitor 1
Competitor 2
Competitor 3
Competitor 4
Competitor 5
Competitor 6
Maybank Islamic is now the most profitable Islamic Bank in Malaysia.
Source: Respective banks’ Financial Statement
16
Strategic Objectives
GLOBAL PRESENCE
Aspire to be a Thought Leader and point of
reference for Shariah-based commercial
stipulations and Islamic Finance in general and
globally recognised as a leading Islamic
Financial institution by sovereigns,
corporates, Islamic Finance institutions and
the broader community.
• MBI-UUS1 rank moved up to #6 in
2017 from #12 in 2012 in Shariah
banking • MBI-UUS ranked #1 among UUS
Maybank Singapore Islamic Banking –
Bank of the Year (Islamic) in Singapore 2017
Middle East
Europe
Commonwealth
of Independent
States (CIS)2
Aspiration towards 2020
Note: 1. Maybank Group Islamic Banking 2. Membership: Armenia, Azerbaijan, Belarus, Kazakhstan, Kyrgyzstan, Moldova, Russia, Russia, Tajikistan, Uzbekistan
and Turkmenistan as associate state.
17
Strategic Objectives
GLOBAL PRESENCE
List of Notable Global Deals
United
States
USD219.0 mil
Commodity
Murabahah
Commodity
Murabahah
SOHO
Properties London
GBP467.0 mil
Commodity
Murabahah
Battersea
Power Station
UAE
USD750.0 mil
Sukuk Wakalah
Emirates
Islamic Bank
Indonesia
USD500.0 mil
Sukuk Wakalah
Garuda
Indonesia
Indonesia
USD330.6 mil
Commodity
Murabahah
PT Bajradaya
Sentranusa
Singapore
MYR2,000.0 mil
Sukuk
Musharakah
Bumitama
Agri Ltd
Singapore
SGD260.0 mil
Commodity
Murabahah
RB Capital
Singapore
SGD150.0 mil
Sukuk Wakalah
Swiber
Capital
Australia
AUD160.0 mil
TH Properties
USD1,250.0 mil
Sukuk Wakalah
IDB
Saudi Arabia
USD1,000.0 mil
Sukuk Wakalah
Dubai Islamic
Bank
UAE
Source: Maybank Annual Report 2017 and Maybank Islamic Berhad
18
Competitive Landscape: Global Position
GLOBAL PRESENCE
Snapshot of Top 8 Largest Islamic Banks in the World (excl. Iran)
as at December 2017
League
Table2010 2011 2012 2013 2014 2015 2016 2017
Global #3 #2 #3 #3 #3 #4 #2 #1
MYR #2 #2 #2 #2 #2 #3 #1 #1
1. Maybank’s Sukuk League Table Ranking from 2010-2017
League Table Rank Mkt Share(%)Amount
(USD in mil)Issues
Global #7 5.86% 970 23
MYR #3 21.68% 1,273 52
2. Maybank’s Sukuk Performance as at March 2018
Note: 1) NCB is a conventional bank with Islamic window operation and total financing is USD 56.2B as at Dec-17.
Source: 1) The Banker 2) Bloomberg and 3) Respective banks’ financial statements.
• We are the largest
Islamic finance
provider in Malaysia
and Asia Pacific by
asset size.
• We are the top 5
largest Islamic bank
globally by asset size.
19
Strategic Objectives
GLOBAL PRESENCE
The Asset Triple A Awards 2018
Islamic Bank of the Year – Asia
Pacific
Islamic Bank of the Year – Malaysia
Islamic Bank of the Year –
Singapore
Best Islamic Retail Bank – Malaysia
Best Islamic Retail Bank – Singapore
The Banker Awards 2018
Islamic Bank of the Year – Asia
Pacific
Islamic Bank of the Year -
Malaysia
The Global Finance Magazine Awards 2018
World’s Best Islamic Financial Institutions 2018 –
Global Winners
1. Best Islamic Financial Institution – Maybank
Islamic
2. Best Sukuk Bank – Maybank Islamic
3. Best Provider Of Shariah-Compliant Short-Term
Investments – Maybank Islamic
World’s Best Islamic Financial Institutions 2018 –
Regional Winners
1. Asia - Maybank Islamic
2. Malaysia – Maybank Islamic
3. Singapore - Maybank
CGC SME Awards 2018
Top FI partner award (0verall category)
Top FI partner Award (Islamic Bank Category)
Top Bumiputera FI Partner Award
List of Awards
20
Strategic Objectives
Developing products and services
leveraging on Islamic finance’s unique
differentiators, with a focus on
enhancing the Bank’s investment
intermediation role to complement its
existing credit intermediary function
Aspiration towards 2020
Deliver Innovative Products and Services
Demand-based products
Seamless Integration
First in the Market
Holistic Solutions
PRODUCT DEVELOPMENT &
INNOVATION
21
Product Development and Innovation
Introduction of Maybank
Islamic World MasterCard
Ikhwan Card-I in May 2018
#HouzKey
An Islamic premium card that
offers benefits, privileges and
rewarding experiences
befitting the Islamic segment,
and donates 0.2% of spending
towards a charity that will be
channeled to Waqaf and Zakat
funds.
HouzKEY is an alternative home ownership solution.
Customers can choose to rent a home from
Maybank2own with a given option for them to purchase
the property as and when they are ready within the
rental period.
22
Strategic Objectives
CENTRE OF EXCELLENCE
Further enhancement of COE through
collaboration with internationally
renowned bodies and institutions.
Aspiration towards 2020
• To ramp up MGIB’s brand visibility
beyond Islamic finance field through
participation in events of global
stature such as IIF
• Further enhancement of Centre of
Excellence (COE) through
collaboration with international
institutions and active participation in
globally renowned forums
23
Shariah Centre of Excellence (SCOE)
Maybank Islamic SCOE website:
www.maybank.com.my/SCOE
Publication SponsorshipOfficial Launch by Tan Sri Dr. Zeti
Book Translation
• The SCOE is a virtual centre that
aims to be the leading reference
point on Shariah knowledge and
best practices for industry players,
academic fraternities and the
general public.
• The focus of the SCOE is on research
and education, talent development,
thought leadership and community
welfare.
• Regarded as the first innovative
initiative in the country by a
financial institution, it was officially
launched on 25 February 2015 by
Bank Negara Governor Tan Sri Dr. Zeti
Akhtar Aziz.
• Various high impact initiatives such as the offering of Shariah Scholarship for post graduates,
publishing of articles in mainstream newspapers and sponsorships for publications involving
Islamic finance.
24
Outlook and Priorities for 2018
Source: Maybank Annual Report 2017
To diversify our underlying
assets for our Unrestricted
Investment Account, grow our
Islamic Wealth Management
portfolio and to further
develop Islamic Trade Finance
and Islamic Capital Markets.
To develop distribution
capabilities in the GCC for
Sukuk issuances, Syndicated
Financing and Trade Finance
in the region.
To focus on building capacity
and harness Thought
Leadership in order to
pioneer ideas that will
enhance our social and
economic platforms.
FINANCIALS
GLOBAL PRESENCE
INNOVATION
CENTRE OF EXCELLENCETA
RG
ET
ING
VA
LU
E C
REA
TIO
N A
CR
OSS A
LL A
SPEC
TS
25
Outlook and Priorities for 2018
Source: Thomson Reuters State of the Global Islamic Economy Report 2017/18
Malaysia ranks 1st in Global Islamic Economy Indicator Score
26
Outlook and Priorities for 2018
Focus Area: Islamic Trade Finance
Global Trade Activity 2016
US$ 16.4
trillion
US$ 12.3
trillion
Global Trade Finance
Activity 2016
Global trade finance supported
75% of global trade activity
US$ 186
billion
Islamic Trade Finance
Activity 2016
Only 1.5% of global
trade finance activity
is by Islamic Finance
In 2016, Islamic finance only
covered 3.4% of total trade and
in 3 years BNM targets to increase
this to 10%.
3.4% 10.0%
96.6% 90.0%
2016 2019
Islamic Trade Finance Conventional Trade Finance
Source: April 2017 BNM Stability Report
The Halal Economy is expected to grow to
US$6.4 trillion by 2018 and is driven by a large
young and fast-growing Muslim demographic
There is significant growth potential for
trade finance facilitation to support Halal
exports, initiated by the government, to
meet the strong demand for Halal products
and services globally
We continue to undertake a leadership role
in the development of the country’s Halal
sector by continuous engagements with
governing authorities and policy makers
Focus Area : Halal Economy
5.05% of Malaysia’s
export trade
7.5% of Malaysia’s
GDP
Total Halal Certified
Companies (HDC):
7051*
Total Halal export
value in 2016 was
RM 42.2 billion*
*HDC
27
APPENDIX
28
Malaysia’s Success Story in Islamic Finance
02Success
Factor
01Success
Factor
Sound Legal & Regulatory Framework
Strong Vision and Support from Central Bank
03Success
Factor
Conducive Shariah Framework
04Success
Factor
05Success
Factor
Large Number & Diversified of Islamic Finance
Players (local & foreign)
Human Capital Development
06Success
Factor
Depth of Products and Services Range with Certain Key
Added Advantage in Tax and Liquidity
29
Recent Development : SC SRI Sukuk Framework 2014
The introduction of the SRI Sukuk Framework in 2014 is part of the SC’s efforts to create a conducive
ecosystem for SRI investors and issuers in Malaysia.
Natural Resources
Sustainable land use
Sustainable forestry
and agriculture
Biodiversity
conservation
Remediation and
redevelopment of
polluted or
contaminated sites
Water infrastructure,
treatment and
recycling
Renewable Energy &
Energy Efficiency
Renewable energy
such as solar, wind,
hydro, biomass,
geothermal and tidal
Efficient power
generation and
transmission systems
Energy efficiency
which results in the
reduction of
greenhouse gas
emissions or energy
consumption
Community & Economic
Development
Public hospital /
medical services
Public educational
services
Community services
Urban revitalisation
Sustainable building
projects
Affordable housing
Waqf Properties/Assets
Any projects that
undertake the
development of
waqf properties /
assets
Eligible SRI Projects
30
31.4
37.7
33.3
5.5
19.822.2
32.4
42.6
35.4
6.1
24.622.6
AITAB Mortgage Term Financing Others (CFS) Term Financing Others (GB)
Dec 16
Dec 17
Year Contribution
Dec 2016 54.5%
Mar 2017 54.9%
Jun 2017 55.8%
Sep 2017 56.0%
Dec 2017 56.9%
Maybank Islamic, 56.9%
Maybank Conventional Malaysia, 43.1%
Key Financial Ratios FY2017 FY2016
Net Profit Margin (YTD) 1.90% 1.82%
Total Capital Ratio (TCR) 20.78% 18.55%
Cost to Income Ratio (CIR) 35.12% 36.30%
Direct FDR1 95.1% 95.7%
Financial Performance: FY2017
Group Islamic Banking Financial Performance
Maybank Islamic: Key Financial Ratios
Maybank Islamic: Total Gross Financing grew to RM163.6
billion
CFS:p8%
Maybank Islamic Contribution to Maybank Malaysia Loans
and Financing as at Dec 17
Note:
¹ Direct Financing to Deposits Ratio (FDR) comprising gross financing against deposit
and Unrestricted Investment Account (exc. RPSIA assets and liabilities)
GB:p12%
p13%
p6%
p11%
p2%
p3%
p24%
Note: Figures are as per latest segmentation breakdown
Group Islamic Banking’s performance has improved YoY, deriving from key markets in
Malaysia, Indonesia and Singapore
RM million FY2017 FY2016 YoY
Total Income 4,600.4 3,874.2 18.7%
Profit Before Tax 2,751.6 1,945.4 41.4%
Financing & Advances 174,907.7 159,479.3 9.7%
Deposits & Investment Account: 162,986.9 145,216.7 12.2%
Deposits from Customers 138,431.5 113,672.1 21.8%
Investment Account 24,555.4 31,544.6 (22.2)%
RM
billion
31
Global Sukuk League Table
Ranking
Market Share
(%)
Amount
(USD million)Issues
#1 Maybank 13.07% 7,173 230
MYR Sukuk League Table
Ranking
Market Share
(%)
Amount
(USD million)Issues
#1 Maybank 30.88% 6,314 188
Key Products Dec 17 Dec 16
Automobile Financing 45.0% 44.3%
Home 27.7% 28.4%
Term financing 31.6% 30.1%
Maybank Islamic ranks No.1 by Asset Market Share
in Malaysia
Source: Latest BNM monthly statistical bulletin & respective Bank’s Financial Statements
MalaysiaAsset Market Share
Sep 17Rank
Maybank Islamic 31% 1
CIMB Islamic 12% 2
RHB Islamic 9% 3
Source: Bloomberg
Sukuk League Table Ranking Dec 17
Source for industry numbers: Latest BNM Monthly Statistical Bulletin
Islamic Banking’s Market Share: FY2017
Market Share by Product (Malaysia)Maybank Islamic Market Share (Malaysia)
Source for industry numbers: Latest BNM Monthly Statistical Bulletin
34.1%33.5% 33.6% 33.6% 33.8%
30.4%29.8% 29.6% 29.7%
30.4%
Dec 16 Mar 17 Jun 17 Sep 17 Dec 17
Financing Deposits & Investment Accounts
32
Maybank Islamic, 57.7%
Maybank Conventional,
Malaysia, 42.3%
Year Contribution
Mar 2017 54.9%
Jun 2017 55.8%
Sep 2017 56.0%
Dec 2017 56.9%
Mar 2018 57.7%
Key Financial Ratios 1Q
FY2018
1Q
FY2017
Net Profit Margin (YTD) 1.88% 1.93%
Total Capital Ratio (TCR) 18.89% 17.98%
Cost to Income Ratio (CIR) 34.25% 37.01%
Direct FDR1 90.3% 95.9%
Financial Performance: 1Q FY2018
Group Islamic Banking Financial Performance
Maybank Islamic: Key Financial Ratios
Maybank Islamic: Total Gross Financing grew to RM167.8
billion
Maybank Islamic Contribution to Maybank Malaysia Loans
and Financing as at Mar 18
Note:
¹ Direct Financing to Deposits Ratio (FDR) comprising gross financing against deposit
and Unrestricted Investment Account (exc. RPSIA assets and liabilities)
Note: Figures are as per latest segmentation breakdown
Group Islamic Banking’s performance includes key markets in Malaysia, Indonesia and
Singapore
RM million1Q
FY2018
1Q
FY2017YoY
Total Income 1,217.5 1,148.4 6.0%
Profit Before Tax 455.3 662.3 (31.2)%
Financing & Advances 178,685.7 160,319.0 11.5%
Deposits & Investment Account: 173,484.3 146,559.0 18.4%
Deposits from Customers 151,642.4 114,844.3 32.0%
Investment Account 21,841.9 31,714.6 (31.1)%
RM
billion
31.8
38.9
33.7
5.6
19.221.3
32.5
43.8
36.4
6.1
25.123.8
AITAB Mortgage Term Financing Others (CFS) Term Financing Others (GB)
Mar 17
Mar 18
CFS:p8% GB:p21%
p13%
p8%
p9%
p12%
p2%
p31%
33
Key Products Mar 18 Mar 17
Automobile Financing 45.0% 44.7%
Home 27.5% 28.3%
Term financing 31.3% 29.5%
Maybank Islamic ranks No.1 by Asset, Deposit & IA1 and Financing Market Share in Malaysia
Source: Latest BNM monthly statistical bulletin & respective Bank’s Financial Statements
Note: 1. Investment Account
Source for industry numbers: Latest BNM Monthly Statistical Bulletin
Islamic Banking’s Market Share:1Q FY2018
Market Share by Product (Malaysia)Maybank Islamic Market Share (Malaysia)
Source for industry numbers: Latest BNM Monthly Statistical Bulletin
33.5% 33.6% 33.6% 33.8% 33.6%
29.8% 29.6% 29.7%30.4%
31.2%
Mar 17 Jun 17 Sep 17 Dec 17 Mar 18
Financing Deposits & Investment Accounts
Malaysia
Asset Market
Share
Dec 17
Rank
Maybank Islamic 31% 1
CIMB Islamic 13% 2
Bank Islam 9% 3
Malaysia
Deposits & IA
Market Share
Dec 17
Rank
Maybank Islamic 30% 1
CIMB Islamic 13% 2
Bank Islam 10% 3
Malaysia
Financing
Market Share
Dec 17
Rank
Maybank Islamic 34% 1
CIMB Islamic 12% 2
RHB Islamic 9% 3
34
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
