Reviews of MAYBANK INTERNATIONAL LABUAN BRANCH
This is page 6 of 17 of the reviews SmartChecker holds for MAYBANK INTERNATIONAL LABUAN BRANCH. What the public registers say about the company is set out on its record page, not here.
What does SmartChecker make of Maybank?SmartChecker 怎么看 Maybank？Apa pandangan SmartChecker tentang Maybank?
This editorial discusses Maybank Group and Malayan Banking Berhad. The register record on this page may identify a different branch or legal entity; regulatory actions should be attributed only to the entity named in each paragraph.本点评讨论 Maybank Group 和 Malayan Banking Berhad。本页登记记录可能属于不同分行或法人；监管行动只应归属于具名实体。Penilaian ini membincangkan Maybank Group dan Malayan Banking Berhad. Rekod daftar di halaman ini mungkin merujuk cawangan atau entiti undang-undang yang berbeza; tindakan kawal selia hanya patut dikaitkan dengan entiti yang dinamakan dalam setiap perenggan.
Written by Pang Hui JuanDirector of Online Broker Research
Fact-checked by Ng Kok HeiManaging Malaysian Partner
Fact-checked
I've been looking into Maybank, one of Malaysia's largest and most established banking groups, and there are several factors worth considering when evaluating the bank.
Malayan Banking Berhad, better known as Maybank, has a long-established presence in Malaysia and operates across retail banking, business banking, investment banking, Islamic banking, wealth management and other financial services. The group also has a significant regional presence, making it more than just a domestic Malaysian bank.
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Maybank has also invested heavily in digital banking. Its MAE platform has become an important part of its retail banking ecosystem, providing customers with digital payments, transfers, banking services and other financial features. The group's regional presence and diversified business model also allow it to serve customers beyond Malaysia.
However, Maybank also has a regulatory history that customers and investors should understand.
One of the more significant recent regulatory actions occurred in July 2024. Bank Negara Malaysia imposed a total administrative monetary penalty of RM4.32 million on Malayan Banking Berhad and Maybank Islamic Berhad for non-compliance with technology risk management requirements. Each entity was penalised RM2.16 million.
There was also a separate regulatory action against Maybank Islamic in 2025.
On 3 March 2025, Bank Negara Malaysia imposed an administrative monetary penalty of RM1.2 million on Maybank Islamic Berhad for failing to ensure that information relating to financing facilities provided to three borrowers was submitted to the Central Credit Reference Information System, or CCRIS, in accordance with the applicable requirements.
BNM noted that accurate CCRIS reporting is important because incorrect credit information can affect the assessment of borrowers by financial institutions. Maybank Islamic subsequently took remedial measures to prevent a recurrence of the issue.
Maybank Investment Bank has also received smaller administrative penalties from the Securities Commission Malaysia. In June 2025, Maybank Investment Bank was fined RM1,000 for submitting a redemption notice one business day late. In April 2026, it received another RM2,000 penalty for a one-business-day delay in submitting a post-issuance notice on behalf of an issuer. These were reporting-related breaches rather than findings of investment fraud.
These regulatory actions should be viewed in their proper context. They do not mean that Maybank should automatically be described as illegal or unsafe. The 2024 technology-related action was primarily about operational resilience and service availability, while the 2025 Maybank Islamic action concerned the accuracy and timeliness of credit-reporting information. The Maybank Investment Bank cases involved relatively small reporting delays.
Overall, Maybank remains a major Malaysian financial institution with a long operating history, extensive banking infrastructure, a broad range of financial services and significant regional operations. At the same time, its regulatory record shows that even large and established banks can experience technology, reporting and compliance issues.
Maybank 是马来西亚规模最大、历史最久的银行集团之一，业务涵盖零售、企业、投资、伊斯兰银行和财富管理，并拥有显著区域网络及 MAE 数码银行生态。
2024 年 7 月，BNM 因技术风险管理不合规，对 Malayan Banking Berhad 和 Maybank Islamic Berhad 合计处以 RM4.32 million；每个实体各 RM2.16 million。事项主要涉及营运韧性和服务可用性。
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2025 年 3 月，BNM 因未按要求向 CCRIS 提交三名借款人的融资资料，对 Maybank Islamic Berhad 另罚 RM1.2 million。准确的 CCRIS 资料会影响金融机构对借款人的评估。
Maybank Investment Bank 也因申报延误，于 2025 年 6 月被 SC 罚 RM1,000，并于 2026 年 4 月再被罚 RM2,000。这些是申报违规，并非投资欺诈结论。
这些行动不代表 Maybank 应自动被称为非法或不安全，但说明大型成熟银行同样可能出现技术、申报及合规问题。
Saya telah meneliti Maybank, salah sebuah kumpulan perbankan terbesar dan paling mapan di Malaysia, dan ada beberapa faktor yang wajar dipertimbangkan apabila menilai bank ini.
Malayan Banking Berhad, yang lebih dikenali sebagai Maybank, sudah lama mapan di Malaysia dan beroperasi merentas perbankan runcit, perbankan perniagaan, perbankan pelaburan, perbankan Islam, pengurusan kekayaan dan perkhidmatan kewangan lain. Kumpulan ini juga mempunyai kehadiran serantau yang ketara, menjadikannya lebih daripada sekadar bank domestik Malaysia.
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Maybank turut melabur besar dalam perbankan digital. Platform MAE-nya telah menjadi sebahagian penting daripada ekosistem perbankan runcitnya, menyediakan pelanggan pembayaran digital, pemindahan wang, perkhidmatan perbankan dan ciri kewangan lain. Kehadiran serantau dan model perniagaan kumpulan yang pelbagai juga membolehkannya melayan pelanggan di luar Malaysia.
Namun Maybank juga mempunyai sejarah kawal selia yang perlu difahami pelanggan dan pelabur.
Salah satu tindakan kawal selia terkini yang lebih berat berlaku pada Julai 2024. Bank Negara Malaysia mengenakan penalti kewangan pentadbiran berjumlah RM4.32 juta ke atas Malayan Banking Berhad dan Maybank Islamic Berhad kerana tidak mematuhi keperluan pengurusan risiko teknologi. Setiap entiti dikenakan penalti RM2.16 juta.
Terdapat juga tindakan kawal selia berasingan terhadap Maybank Islamic pada 2025.
Pada 3 Mac 2025, Bank Negara Malaysia mengenakan penalti kewangan pentadbiran RM1.2 juta ke atas Maybank Islamic Berhad kerana gagal memastikan maklumat berkaitan kemudahan pembiayaan yang diberikan kepada tiga peminjam dihantar ke Central Credit Reference Information System, atau CCRIS, menurut keperluan yang terpakai.
BNM menyatakan pelaporan CCRIS yang tepat adalah penting kerana maklumat kredit yang salah boleh menjejaskan penilaian institusi kewangan terhadap peminjam. Maybank Islamic kemudiannya mengambil langkah pemulihan bagi mengelakkan isu itu berulang.
Maybank Investment Bank turut menerima penalti pentadbiran yang lebih kecil daripada Securities Commission Malaysia. Pada Jun 2025, Maybank Investment Bank didenda RM1,000 kerana menghantar notis penebusan lewat satu hari bekerja. Pada April 2026, ia menerima penalti RM2,000 lagi kerana kelewatan satu hari bekerja dalam menghantar notis selepas terbitan bagi pihak seorang penerbit. Ini pelanggaran berkaitan pelaporan, bukan dapatan penipuan pelaburan.
Tindakan kawal selia ini perlu dilihat dalam konteksnya yang betul. Ia tidak bermakna Maybank patut terus disifatkan sebagai haram atau tidak selamat. Tindakan berkaitan teknologi pada 2024 terutamanya mengenai ketahanan operasi dan kebolehcapaian perkhidmatan, manakala tindakan terhadap Maybank Islamic pada 2025 mengenai ketepatan dan ketepatan masa maklumat pelaporan kredit. Kes Maybank Investment Bank pula melibatkan kelewatan pelaporan yang agak kecil.
Secara keseluruhan, Maybank kekal sebagai institusi kewangan Malaysia yang utama, dengan sejarah operasi yang panjang, infrastruktur perbankan yang luas, rangkaian perkhidmatan kewangan yang besar dan operasi serantau yang ketara. Pada masa yang sama, rekod kawal selianya menunjukkan bahawa bank besar dan mapan pun boleh menghadapi isu teknologi, pelaporan dan pematuhan.
Reviews are written by SmartChecker members about their own experience and checked against our review rules. No company can pay to add, change or remove one.
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