Malayan Banking Bhd
KLSE:MAYBANK
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Intrinsic Value
The intrinsic value of one MAYBANK stock under the Base Case scenario is 12.09 MYR. Compared to the current market price of 10.2 MYR, Malayan Banking Bhd is Undervalued by 16%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
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Malayan Banking Bhd
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Fundamental Analysis
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Malayan Banking Bhd, commonly known as Maybank, stands as a beacon in Southeast Asia's banking landscape, with a rich history dating back to its establishment in 1960. Headquartered in Kuala Lumpur, Malaysia, Maybank has grown into the largest financial services group in the region, boasting a comprehensive portfolio that includes retail banking, corporate and investment banking, Islamic banking, and asset management. This diverse range of services positions Maybank as a vital player in facilitating economic growth and financial stability, appealing not only to individual customers but also to businesses of all sizes. The bank has also made significant strides in digital innovation, enhancin...
Malayan Banking Bhd, commonly known as Maybank, stands as a beacon in Southeast Asia's banking landscape, with a rich history dating back to its establishment in 1960. Headquartered in Kuala Lumpur, Malaysia, Maybank has grown into the largest financial services group in the region, boasting a comprehensive portfolio that includes retail banking, corporate and investment banking, Islamic banking, and asset management. This diverse range of services positions Maybank as a vital player in facilitating economic growth and financial stability, appealing not only to individual customers but also to businesses of all sizes. The bank has also made significant strides in digital innovation, enhancing customer experience and operational efficiency, which has helped it maintain its competitive edge in an increasingly tech-driven market.
For investors, Maybank represents a compelling opportunity within the banking sector, featuring a robust financial performance driven by its expansive customer base across Malaysia and internationally. The bank consistently delivers solid returns, reflected in its healthy dividends and strong asset base, positioning it as a stable investment choice. Furthermore, Maybank’s commitment to sustainable banking practices and its adaptability to market changes underscore its long-term growth potential. As the bank navigates the evolving financial landscape, including expanding fintech solutions and maintaining resilience against economic uncertainties, it remains a trusted name synonymous with stability and innovation in the Southeast Asian economy.
Malayan Banking Berhad (Maybank) is one of the largest financial services groups in Southeast Asia, and it operates through several core business segments. These segments contribute to the bank's overall performance and strategic objectives. Here are the primary business segments of Maybank:
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Retail Banking: This segment provides a wide range of personal banking services to individuals and small businesses. Services include savings and current accounts, personal loans, mortgages, credit cards, and investment products. Retail banking focuses on enhancing the customer experience through digital banking channels and personalized services.
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Corporate Banking: Maybank's corporate banking segment caters to larger enterprises, offering tailored financial solutions. This includes commercial loans, trade finance, treasury services, and cash management solutions. The segment aims to support the needs of corporations in various stages of growth.
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Investment Banking: Maybank Investment Bank provides advisory services, underwriting, and capital market services. The investment banking arm serves both corporate and institutional clients, facilitating mergers and acquisitions, equity and debt issuance, and asset management services.
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Islamic Banking: Maybank Islamic, a subsidiary of Maybank, offers Shariah-compliant banking products and services. This segment includes retail, corporate, and investment banking services designed to meet the financial needs of customers while adhering to Islamic principles.
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Asset Management: This segment involves the management of investment funds, portfolio management for institutional and individual investors, and wealth management services. Maybank aims to provide diversified investment solutions to meet varying risk appetites.
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Insurance and takaful: The bank also has a presence in the insurance sector, offering both conventional insurance and takaful products. This includes life, health, and general insurance services, catering to both individual and corporate clients.
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Global Banking: This segment encompasses banking services offered to multinational corporations, large institutions, and global clients. It supports cross-border transactions and international financing, leveraging Maybank’s regional footprint in Southeast Asia and beyond.
These core segments of Malayan Banking Bhd align with the bank's strategic vision of being a regional financial services leader, focusing on innovation and customer-centric solutions. Each segment is designed to meet specific market needs while promoting profitability and sustainable growth for the organization.
Malayan Banking Bhd (Maybank) is one of the leading financial services groups in Southeast Asia, particularly dominant in Malaysia. Its competitive advantages over rivals can be outlined as follows:
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Extensive Network: Maybank has a vast branch and ATM network both domestically and internationally, which enhances customer accessibility and convenience. This extensive presence allows for greater market penetration, especially in the ASEAN region.
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Diverse Service Offerings: The bank provides a wide range of financial products and services, including wholesale banking, retail banking, Islamic banking, and investment banking. This diversification attracts a broad customer base, from individual consumers to large corporations.
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Strong Digital Banking Presence: Maybank has invested significantly in digital banking solutions, making it easier for customers to conduct transactions online, use mobile banking apps, and access digital financial services. This focus on technology caters to the growing demand for digital solutions.
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Brand Reputation and Trust: Being one of the oldest and most established banks in Malaysia, Maybank has built a strong brand reputation. This trust is a key factor in customer retention and loyalty.
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Strategic Partnerships and Alliances: Maybank has forged various partnerships and alliances, enhancing its capabilities in areas such as fintech, payment solutions, and cross-border transactions, further solidifying its competitive position.
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Strong Compliance and Risk Management: Maybank's commitment to maintaining stringent compliance and risk management practices helps it navigate regulatory environments effectively, thereby instilling confidence among customers and investors.
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Customer-Centric Approach: The bank's focus on understanding customer needs and personalizing banking solutions allows it to tailor services effectively, which can lead to increased customer satisfaction and loyalty.
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Regional Expertise: Maybank's strong presence in Southeast Asia, particularly within the ASEAN Economic Community, provides it with unique insights into local markets, consumer behavior, and business opportunities, enhancing its competitive edge.
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Sustainability and Social Responsibility: Maybank’s commitment to sustainability and corporate social responsibility initiatives helps improve its brand image and resonate with socially conscious consumers and investors.
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Financial Strength: The bank's robust financial performance, marked by healthy capital ratios and profitability, gives it a competitive advantage in attracting investors and managing economic fluctuations.
These competitive advantages allow Maybank to maintain a leading position in the banking industry and effectively compete with other financial institutions in the region.
Malayan Banking Bhd (Maybank) faces several risks and challenges in the near future, which can be categorized into various sectors. Here are some of the key areas to consider:
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Economic Environment:
- Economic Slowdown: A slowdown in economic growth in Malaysia or the Southeast Asian region could lead to reduced consumer spending, impacting loan demand and asset quality.
- Inflationary Pressures: Rising inflation may result in increased costs of operation and lower consumer purchasing power, affecting loan repayments and, ultimately, profitability.
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Regulatory Challenges:
- Compliance Requirements: As a major financial institution, Maybank is subject to stringent regulatory standards. Any changes in regulations could impose additional compliance costs or operational restrictions.
- Evolving Financial Regulations: Adapting to changes in financial regulations, such as capital requirements or anti-money laundering laws, can be challenging and resource-intensive.
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Competitive Landscape:
- Intensifying Competition: The banking sector is becoming increasingly competitive, not only from traditional banks but also from fintech companies offering innovative solutions. This can erode market share and pressure margins.
- Digital Disruption: Rapid advancements in technology necessitate continuous investment in digital infrastructure to meet customer expectations and compete effectively.
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Credit Risk:
- Loan Default Risk: An uptick in loan defaults, especially in sectors like real estate and small-medium enterprises (SMEs), would affect the bank's asset quality and profitability.
- Sector-Specific Risks: Certain industries may face unique pressures (e.g., tourism, retail) that can impact borrowers' ability to repay loans.
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Geopolitical Risks:
- Regional Instability: Political or economic instability in neighboring countries could have ripple effects on Malaysia, impacting trade and investment flows, which in turn could affect Maybank’s operations and financial performance.
- Global Trade Relations: Changes in global trade dynamics or tariffs can affect the bank’s corporate clients, especially those engaged in cross-border trading.
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Cybersecurity Threats:
- Data Breaches and Cyber Attacks: As digital banking grows, so does the risk of cybersecurity threats. A significant breach could undermine customer confidence and lead to financial losses and legal issues.
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Reputation Risk:
- Public Trust: Issues related to customer service, data breaches, or legal challenges can tarnish the bank’s reputation, impacting customer retention and acquisition.
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Interest Rate Fluctuations:
- Interest Rate Sensitivity: Changes in interest rates can affect net interest margins, impacting profitability. An increase in rates may also lead to higher loan defaults.
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Environmental and Social Governance (ESG) Factors:
- Sustainability Risks: Growing awareness and regulatory requirements regarding environmental and social issues may require Maybank to adapt its policies and practices, potentially leading to increased operational costs.
By proactively identifying and addressing these risks, Malayan Banking Bhd can enhance its resilience and sustain its competitive advantage in the evolving financial landscape.
Balance Sheet Decomposition
Malayan Banking Bhd
Net Loans | 658.2B |
Investments | 334.9B |
PP&E | 3.9B |
Intangibles | 7.2B |
Other Assets | 59.5B |
Total Deposits | 736.1B |
Short Term Debt | 41.2B |
Long Term Debt | 29.2B |
Other Liabilities | 162B |
Wall St
Price Targets
MAYBANK Price Targets Summary
Malayan Banking Bhd
According to Wall Street analysts, the average 1-year price target for MAYBANK is 11.55 MYR with a low forecast of 9.49 MYR and a high forecast of 13.13 MYR.
Dividends
Current shareholder yield for MAYBANK is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Profile
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Description
Malayan Banking Bhd.operates as a holding company. The company is headquartered in Kuala Lumpur, Wilayah Persekutuan and currently employs 42,000 full-time employees. The Company’s segment includes Group Community Financial Service, Group Global Banking, and Group Insurance and Takaful. The Group Community Financial Service segment includes Consumer Banking, which offers of products and services offered to individuals, such as savings and fixed deposits; Small, Medium Enterprise (SME) Banking, which offers products and services, such as long-term loans such as project financing, short-term credit such as overdrafts and trade financing; Business Banking, which offers products and services, such as fee-based services such as cash management and custodian services. The Group Global Banking includes Group Corporate Banking and Global Markets, Group Investment Banking (Maybank IB and Maybank Kim Eng), and Group Asset Management. The Group Insurance and Takaful segment comprises of underwriting all classes of general and life insurance business.
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The intrinsic value of one MAYBANK stock under the Base Case scenario is 12.09 MYR.
Compared to the current market price of 10.2 MYR, Malayan Banking Bhd is Undervalued by 16%.