About Malayan Banking Berhad

Malayan Banking Berhad engages in the business of commercial banking and the provision of related financial services. The company provides a full suite of conventional and Shariah-compliant products and services in commercial banking, investment banking and insurance, to over 16 million retail, non-retail and corporate customers. The subsidiaries of the company are principally engaged in the businesses of banking and finance, Islamic banking, investment banking, including stockbroking, underwriting of general and life insurance, general and family takaful, trustee and nominee services and asset management. The company has operations in Malaysia, Singapore, Indonesia, the Philippines, Brunei Darussalam, the People's Republic of China, Hong Kong SAR, Vietnam, the United Kingdom, the United States of America, Cambodia, Laos, Myanmar, Labuan Offshore and Thailand. The company offers various deposits, such as fixed deposits and negotiable instruments of deposits (one year or less and more than one year); money market deposits; savings deposits; and demand deposits. The company's operating revenue includes all types of revenue derived from the business of banking, income from Islamic Banking Scheme (IBS) operations, finance, investment banking, general and life insurance (including takaful), stockbroking, leasing and factoring, trustee and nominee services, asset management and venture capital. The company provides an array of financial products and services through three key business pillars, supported by shared corporate functions across its global network of 18 countries. Group Community Financial Services (for Individuals, retail SMEs and mid-sized corporates) Retail banking services, such as wealth management, mortgage, auto financing, credit cards, short-term credit and long-term business loans. Group Global Banking (for large corporates and institutions) Wholesale banking services, such as transactional banking, investment banking, corporate banking, global markets and treasury, and asset management. Group Insurance & Takaful (for Individuals and corporates) Conventional and Islamic insurance (Takaful) solutions, including long-term savings and investment products. Segments The company operates through Group Community Financial Services (CFS), Group Global Banking (GB), and Group Insurance and Takaful segments. Group Community Financial Services segment Consumer Banking Consumer Banking comprises the full range of products and services offered to individuals in the region, which includes savings and fixed deposits, remittance services, current accounts, consumer loans, such as housing loans and personal loans, hire purchases, unit trusts, bancassurance products and credit cards. Small, Medium Enterprise (SME) Banking SME Banking comprises the full range of products and services offered to small and medium enterprises in the region. The products and services offered include long-term loans, such as project financing, short-term credit, such as overdrafts and trade financing, and fee-based services, such as cash management and custodian services. Business Banking Business Banking comprises the full range of products and services offered to commercial enterprises in the region. The products and services offered include long-term loans, such as project financing, short-term credit, such as overdrafts and trade financing, and fee-based services, such as cash management and custodian services. Group Global Banking segment Group Corporate Banking and Global Markets Group Corporate Banking and Global Markets include Corporate Banking and Global Markets businesses. Corporate Banking comprises the full range of products and services offered to business customers in the region, ranging from large corporate and the public sector. The products and services offered include long-term loans, such as project financing, short-term credit, such as overdrafts and trade financing, and fee-based services. Global Markets comprise the full range of products and services relating to treasury activities and services, which includes foreign exchange, money market, derivatives and trading of capital market. Group Investment Banking Investment Banking comprises the investment banking and securities broking business. This segment focuses on business needs of mainly large corporate customers and financial institutions. The products and services offered to customers include corporate advisory services, bond issuance, equity issuance, syndicated acquisition advisory services, debt restructuring advisory services, and share and futures dealings. Group Asset Management Asset Management comprises the asset and fund management services, providing a diverse range of Conventional and Islamic investment solutions to retail, corporate and institutional clients. Group Insurance and Takaful segment Insurance and Takaful comprise the business of underwriting all classes of general and life insurance businesses, offshore investment life insurance business, general takaful and family takaful businesses. Strategic Business Units Maybank Group Islamic Banking (MGIB) is the largest Islamic banking group. MGIB operates by leveraging the company's system, IT infrastructure and distribution network of the company touchpoints in Malaysia, and has a presence in Indonesia, Singapore, Hong Kong, the United Kingdom (UK) and the United Arab Emirates (UAE). Etiqa is a leading insurance and Takaful business in ASEAN, offering a full range of Life and General insurance policies, as well as Family and General Takaful plans via agents, branches and offices. It also has a bancassurance network, including branches, cooperatives, brokers and online platforms across Malaysia, Singapore, Indonesia, the Philippines and Cambodia. Maybank Investment Banking Group (Maybank IBG) is the leading home grown investment bank in ASEAN, comprising Maybank Investment Bank Berhad and Maybank IBG Holdings Limited, the latter having licensed entities in Singapore, Thailand, the Philippines, Indonesia, Vietnam, Hong Kong, India and the U.K. Collectively, Maybank IBG has a network of offices, branches and touchpoints offering investment banking, advisory, broking and prime broking services, as well as bottom-up macro, sector, company and ESG research. Maybank Asset Management Group Berhad (MAMG) operates in Malaysia, Singapore and Indonesia, offering conventional, Islamic, environmental, social and governance (ESG) and alternative investment solutions for corporate, institutional and mass retail investors, as well as high net worth (HNW) individuals. International Operations Maybank Singapore Limited (MSL) engages in retail and commercial businesses. Maybank Indonesia (PT Bank Maybank Indonesia Tbk) is one of the largest commercial banks in Indonesia. It offers retail, non-retail and global banking products and services through its network of branches, ATMs, as well as mobile and internet banking services. Maybank Greater China provides wholesale banking services primarily to inbound/outbound ASEAN corporate clients, domestic corporates with regional operations/projects, as well as financial institutions. Maybank Hong Kong also serves Private Wealth customers. Maybank Philippines Incorporated (MPI) is a full-fledged commercial bank serving retail and corporate clients through its branches across the Philippines. Maybank (Cambodia) Plc. (MCP) provides a full range of banking services for emerging affluent and affluent consumers, SMEs and corporate clients. Maybank Vietnam provides wholesale banking services to regional corporate clients. Maybank Myanmar provides wholesale banking services to foreign and local corporates, as well as domestic financial institutions. Maybank Laos provides commercial banking services to retail SMEs, mid-tier local and ASEAN corporate clients. Maybank Brunei offers a range of retail and commercial banking services. Maybank New York offers wholesale banking services focusing on corporate lending, loan syndications and bilateral arrangements, treasury and capital markets, as well as trade finance services to corporate clients. Maybank London offers wholesale banking services primarily to the company's regional ASEAN corporate clients focusing on capital markets, trade finance services and global markets. Strategy The key elements of the company's strategy are to intensify customer-centricity; accelerate digitalization and technology modernization; strengthen its position beyond Malaysia; and achieve true global leadership in Islamic Banking. History Malayan Banking Berhad was founded in 1960. The company was incorporated in 1960.