What Maybank does

Malayan Banking Berhad (Maybank), founded in 1960 and headquartered at Menara Merdeka 118 in Kuala Lumpur, is Malaysia's largest bank and Southeast Asia's third-largest banking group by assets. Listed on Bursa Malaysia under ticker MAYBANK, the group operates across eight-plus markets including Malaysia, Singapore, Indonesia, Hong Kong, Laos, the Philippines, Vietnam, and Cambodia, with 43,372 employees and a subsidiary architecture spanning Maybank Islamic Berhad (Shariah-compliant banking), Maybank Investment Bank Berhad, PT Bank Maybank Indonesia, Maybank Singapore Limited, Maybank Hong Kong Branch, Maybank Laos Branch, and Etiqa Insurance & Takaful. The bank serves consumer, SME, corporate, Islamic, private wealth, and institutional segments, with Singapore currently contributing 20% of group revenue and a stated target of 30% by 2030.

Maybank's product platform centers on the MAE mobile app, Maybank2u (retail online banking), and Maybank2E (corporate online banking), collectively serving 10.68 million active digital users and facilitating over RM4 trillion in digital transactions since 2020. Core technology investments under the ROAR30 five-year strategic plan (launched January 2026) include RM10 billion allocated to cloud, data, and AI architecture, with the bank completing its first tokenized deposit transaction (MYR-SGD cross-border) with Yinson Holdings on March 25, 2026, and deploying an AI-enhanced mobile app featuring 360 Digital Wealth in Indonesia in January 2026. The bank participates in Visa's Agentic Ready initiative and holds the largest share of JS-SEZ financing at approximately RM20 billion.

Revenue is generated through net interest income (targeting NIM above 2.05%), non-interest income from investment banking, wealth management, transaction banking, and insurance (Etiqa), plus Islamic banking fees, with FY2025 revenue of RM66.4 billion and net profit of RM10.5 billion (up 4.2% year-on-year). Distribution combines an extensive branch and relationship-manager network across ASEAN with digital self-serve channels, sales-led enterprise banking for corporate and SME clients, and dedicated wealth management coverage for high-net-worth and family office segments, including nine family offices established in Johor.

Name

Maybank

Legal name

Malayan Banking Berhad

Website

https://maybank.com

Company type

Public

Founded year

1960

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Malayan Banking Berhad (Maybank) is Malaysia's largest bank and Southeast Asia's third-largest banking group, offering consumer, SME, corporate, Islamic, and wealth management services across eight-plus ASEAN markets with a digital platform serving 10.68 million active users.

Ownership category

akta.pro rank

Product category

Diversified Banking and Financial Services

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), SME Treasury & Liquidity Management (FX, Hedging, Sweep/Investment) (FSABABAE)

Keywords

• Retail banking services
• Islamic banking
• Corporate banking
• Wealth management
• Investment banking

Headquarters

HQ city

Kuala Lumpur

HQ country

Malaysia

HQ region

Asia

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Traditional banking revenue from interest earned on loans and credit facilities minus interest paid on deposits. Maybank targets net interest margin above 2.05% under its ROAR30 strategy. For FY2025, the bank reported net profit of RM10.5 billion, up 4.2% year-on-year, with Q4 2025 net profit of RM2.7 billion despite 5.4% quarterly revenue decline.
2. Non-Interest Income: Fee-based income from investment banking, wealth management, transaction banking, and insurance services. Maybank operates across consumer banking, SME banking, and global banking segments with subsidiaries including Maybank Investment Bank Berhad and Etiqa Insurance & Takaful.
3. Investment Banking Services: Maybank Investment Bank Berhad serves as principal adviser, lead arranger, and lead manager for Islamic financing transactions including sukuk issuances. The bank also serves as underwriter and bookrunner for IPOs including SkyeChip, Empire Premium Food, and KK Mart.
4. Islamic Wealth Management: Maybank Islamic Berhad offers Shariah-compliant banking and wealth management services. Islamic wealth management is growing 20-40% annually. Maybank Islamic achieved over 100% growth in its wealth management segment, recognized in the World's Best Islamic Financial Institutions 2026 awards.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Maybank is a diversified financial services group offering consumer banking, SME and corporate banking, Islamic banking, wealth management, investment banking, global banking, asset management, and insurance (takaful) products across ASEAN. Its core offerings include the MAE mobile banking app and Maybank2u/Maybank2E online platforms, alongside traditional deposit, loan, payment, wealth, and capital markets products delivered through branches, digital channels, and subsidiaries including Maybank Islamic, Maybank Investment Bank Berhad, Maybank Indonesia, and Etiqa Insurance & Takaful.

Product overview

Maybank operates as a diversified financial services group offering a platform-plus-modules architecture. The core digital banking platform consists of the MAE mobile app, Maybank2u (retail online banking), and Maybank2E (corporate banking), which collectively facilitate over RM4 trillion in digital transactions. These core platforms are complemented by specialized divisions including Maybank Islamic (Shariah-compliant banking growing 20-40% annually), wealth management brands (Maybank Private, Premier, Privilege), and business banking services (SME Banking, Investment Banking, Global Banking, Asset Management). The group recently launched AI-powered features including 360 Digital Wealth within its Indonesian mobile app and is implementing its ROAR30 strategic plan with RM10 billion technology investment through 2030.

Differentiator

Problem solved

Functional benefit

Brands

• MAE (Maybank Anywhere Everyday): Mobile banking application launched in 2020, facilitating over RM4 trillion in digital transactions with 10.68 million active users.
• Maybank Islamic
• Maybank Investment Banking
• Maybank Global Banking
• Etiqa Insurance & Takaful
• Maybank Asset Management

Products and services

• MAE App Maybank's primary consumer mobile banking application launched in 2020, serving 10.68 million active digital users and facilitating over RM4 trillion in digital transactions including account management, transfers, payments, and wealth features.
• Maybank2u Online banking platform for retail customers providing account management, transfers, payments, and access to consumer financial services.
• Maybank2E Corporate and business online banking platform enabling enterprise and SME customers to manage finances, payments, and banking operations.
• 360 Digital Wealth AI-powered wealth management feature within Maybank Indonesia's mobile app that personalizes financial product recommendations and consolidates asset monitoring across institutions.
• Maybank Islamic Shariah-compliant banking division (Maybank Islamic Berhad) offering full suite of Islamic financial products and services, including Islamic wealth management growing 20-40% annually.
• Maybank Private Private banking services for high-net-worth individuals providing wealth management, estate planning, succession planning, and exclusive banking services.
• Maybank Premier Premium banking services targeting affluent customers with enhanced banking benefits and personalized services.
• Maybank Privilege Privileged banking tier offering enhanced banking services for customers with higher banking needs.
• Investment Banking Services (Maybank Investment Bank Berhad) Investment banking services including IPO underwriting (e.g., Sunway Healthcare Holdings RM2.86 billion IPO, SkyeChip, Empire Premium Food, KK Mart), sukuk principal advisory and lead management, M&A advisory, and capital markets solutions across ASEAN.
• Global Banking International banking services facilitating cross-border trade, foreign exchange, transaction banking, and global market access across ASEAN markets.
• SME Banking Banking services for small and medium enterprises including the SME Perkasa financing program (RM1 billion), working capital financing, and business banking solutions through Maybank2u Business.
• Asset Management (Maybank Asset Management) Investment management and fund management solutions offered through Maybank Asset Management.
• Etiqa Insurance & Takaful Insurance and takaful (Islamic insurance) products covering life, general, and family takaful insurance offered through Etiqa.

Quantifiable outcome

• RM176.1 billion in sustainable finance raised in 2025, surpassing target of RM80 billion
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability5 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core, minor and flagship.

• VisacoreTechnology or Integration · 30 April 2026Maybank is an early adopter of Visa's Agentic Ready initiative in Malaysia, providing a secure testing environment for AI agent-initiated transactions as part of the shift toward agentic commerce. The program expands Visa's Intelligent Commerce framework across Asia-Pacific where over 50 partners are engaged in testing agent-initiated payment flows. Maybank joins other major banks including DBS, HSBC, ANZ, OCBC, UOB, and Standard Chartered as participants.
• Yinson Holdings BerhadcoreStrategic or Co-development Partner · 25 March 2026Maybank completed its first tokenized deposit transaction with Yinson Holdings on March 25, 2026, using a permissioned blockchain for MYR to SGD FX conversion and cross-border payment from Malaysia to Singapore. The pilot under Bank Negara Malaysia's Digital Asset Innovation Hub demonstrates technical feasibility of on-chain workflows for corporate treasury operations, improving settlement speed and operational efficiency. Maybank reported strong market interest to collaborate on further pilots and is exploring tokenized Islamic finance solutions.
• XTransfercoreStrategic or Co-development Partner · 13 November 2025XTransfer and Maybank announced strategic partnership at Singapore FinTech Festival 2025, signing MoU to expand cross-border payment and Shariah-compliant solutions across ASEAN and key markets including Hong Kong, UK, and US. The collaboration leverages APIs, digital platforms, collection solutions, and virtual accounts to deliver automated real-time FX conversion and transaction processing. Partnership aims to address growing demand for Islamic finance services in ASEAN and support businesses engaged in ASEAN-China trade projected to reach USD1 trillion.
• People Systems Consultancy (PSC)minorStrategic or Co-development PartnerPeople Systems Consultancy partners with Maybank to implement programs aimed at eradicating poverty and empowering marginalized communities in Southeast Asia. Since its founding, PSC has helped nearly 115,000 families through entrepreneurship, financial literacy, and mentoring programs, with high success rate of significant income increases for beneficiaries.
• Khazanah Nasional BerhadflagshipStrategic or Co-development PartnerKhazanah launched Malaysia's first blockchain-based tokenized sukuk worth RM100 million under the Danum Sukuk Programme. Maybank participated as investor alongside CIMB Group, CGC, KWAP, and OCBC Bank in this pilot initiative to test how tokenization can improve efficiency in issuance, settlement, and record-keeping while potentially lowering investor entry thresholds through fractional ownership.
• Asia Pacific University of Technology & Innovation (APU)minorStrategic or Co-development PartnerMaybank's Group Technology & Digital Hackathon held with APU brought together over two dozen students to develop AI-powered DevSecOps solutions. Team Byte-Sized won the competition with cash prize of RM1,000. The hackathon is part of Maybank's broader strategy to embed security earlier in software delivery and identify emerging technical talent.
• VinFast PhilippinescoreChannel Partner/ Reseller/ DistributorVinFast Philippines signed MoU with Maybank Philippines to provide financing solutions for VinFast's electric vehicle battery subscription program. Maybank is the first bank in the Philippines to support VinFast's battery subscription program, offering tailored loan packages with competitive interest rates and flexible payment options supporting a battery subscription model that reduces upfront vehicle ownership costs by up to 20%.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CIMB Group: Malaysian universal bank with comparable ASEAN-wide footprint across consumer, SME, corporate, and investment banking. Direct competitor in Malaysian retail deposits, Indonesian operations, and ASEAN investment banking league tables; co-participant with Maybank in the AIIB USD6 billion infrastructure partnership.
• OCBC Bank: Singapore-based banking group with strong Malaysian subsidiary presence (OCBC Malaysia), competing in consumer, SME, and wealth management across the same ASEAN footprint as Maybank. Co-arranger alongside Maybank and DBS on the S$400 million Frasers Centrepoint Trust green loan facility.
• AmBank: Malaysian universal bank providing consumer, SME, corporate, and investment banking. Co-participant with Maybank in the AIIB USD6 billion ASEAN infrastructure partnership, and a fellow Malaysian banking peer for retail and Islamic banking competition.
• Hong Leong Bank: Malaysian banking group with significant consumer and SME banking presence plus regional operations in Singapore, Hong Kong, and Vietnam. Comparable to Maybank in Malaysian retail deposit competition and family-owned governance dynamics.
• RHB Bank: Malaysian universal bank with consumer, SME, corporate, and investment banking operations. Directly comparable in Malaysian deposit market competition, SME lending programs, and regional ASEAN expansion strategy.
• Public Bank Berhad: Major Malaysian commercial bank with a strong consumer and SME deposit franchise. Competes with Maybank for retail banking share, mortgage origination, and small-business lending within Malaysia, with similar exposure to Malaysian economic cycles.
• DBS Group: Singapore-headquartered ASEAN banking leader and the dominant lender in the Johor-Singapore SEZ alongside Maybank. Competes head-on in consumer, SME, corporate, and transaction banking across Malaysia, Singapore, and Indonesia, and is a co-lender with Maybank on green loan facilities such as Frasers Centrepoint Trust.
• United Overseas Bank (UOB): Singapore-headquartered bank with established Malaysian, Indonesian, and Thai operations. Competes directly with Maybank in regional transaction banking, ASEAN cross-border flows, and consumer wealth, and is a fellow Visa Agentic Ready early participant in agentic commerce testing.

Regional players

• Bank Mandiri: Indonesia's largest bank by assets, dominating the Indonesian deposit and corporate banking market. Direct competitor with Maybank's Indonesian subsidiary (PT Bank Maybank Indonesia) for Indonesian corporate, SME, and consumer wallet share.

Broad incumbents

• HSBC Holdings: Global universal bank with significant ASEAN and Hong Kong franchise. Competes with Maybank in Singapore corporate banking, cross-border trade finance, and wealth management; co-arranger on the Sunway Healthcare IPO alongside Maybank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/MyMaybank
• Facebookfacebook.com/Maybank
• Instagraminstagram.com/mymaybank
• LinkedInlinkedin.com/company/maybank

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries7 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments10 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Maybank