000

58th Annual General MeetingPresentation to Shareholders

by Datuk Abdul Farid Alias, Group President & CEO

12 April 2018

111

To know what is “right” for our stakeholders,

we draw from our own sense of purpose by...

Treating

stakeholders

fairly

Advising

based on needs

and capacity

Making

financial solutions

simpler

‘HUMANISING FINANCIAL SERVICES’

Building trusted relationships

222

This helped us achieve many new highs in FY2017,

including…

RM23.27 billion

NET INCOME 4.9% YoY

RM11.91 billion

PPOP 1.9% YoY

RM10.10 billion

PBT 14.2% YoY

RM7.52 billion

NET PROFIT 11.5% YoY

333

Net income growth was on the back of a 10.3% YoY rise in net

fund based income as net interest margin expanded 9 bps…

10.3%

FY 2016 FY 2017

16,628

15,074

Net Fund Based Income

RM

million

…led by disciplined loan pricing, better securities yield

performance and our ability to grow CASA.

9 bps

FY 2016 FY 2017

2.27%

2.36%

Net Interest Margin

444

SINGAPORE INDONESIAGROUP MALAYSIA

Note:

* Reported

^ Normalised

Our Group loan growth for FY2017 was 1.7% or 4.0% if

normalised for currency conversion effects...

1.7%*

4.0%^

FY2016

485.7

RM

billion

FY2017

493.8

FY2016

272.0

RM

billion

FY2017

285.5

FY2016

38.9

SG

D b

illion

FY2017

40.6

FY2016

124.7

IDR

tri

llio

n

FY2017

129.2

5.0% 4.3% 3.6%

…supported by growth in our three home markets.

555

Note:

* Reported

^ Normalised

Our loan growth was funded by strong CASA growth of 5.4%

YoY or 7.2% if normalised…

…as we were able to attract these deposits due to our

strong capital and liquidity positions.

5.4%*

7.2%^

FY2016

186.3

RM

billion

FY2017

196.4

FY2016

121.9R

M b

illion

FY2017

127.8

FY2016

12.5

SG

D b

illion

FY2017

14.6

FY2016

46.0

IDR

tri

llio

n

FY2017

48.4

4.9% 16.6% 5.2%

SINGAPORE INDONESIAGROUP MALAYSIA

666

Our income growth and continued cost

management practises...

FY 2016 FY 2017

9.61

PPOPR

M b

illion

FY 2015FY 2014FY 2013

9.42

10.95

11.6911.91

47.8%48.9%

48.2%47.1%

48.7%

Cost to Income Ratio

…resulted in a record pre-provisioning operating

profit (PPOP) of RM11.91 billion.

777

FY 2016 FY 2017

2.03

3.02

Net Impairment Losses

RM

billion

2.28%2.40%

2.53% 2.50%2.34%

Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017

11.06 11.66 12.16 12.16 11.55

11.06 11.558.56

RM

billion

Dec 2016 Dec 2017Dec 2015

29.2% YoY 4.5% YoY

RM

billion

Our net impairment losses reduced by a third as the formation

of impaired loans slowed on stabilising asset quality trends.

GIL

Ratio

Group GIL volume

5.4% QoQ 4.3% QoQ 0.0% QoQ (5.0)% QoQ

888

As a result, our PBT and Net Profit rose by 14.2% YoY and

11.5% YoY respectively,…

Net Profit

RM

billion

PBT

Net Profit

RM

billion

PBT

Net Profit

RM

billion

PBT

Net Profit

RM

billion

PBT

Net Profit

RM

billion

PBT

FY 2016 FY 2017FY 2015FY 2014FY 2013

6.55

8.87

6.72

9.11

6.84

9.15

6.74

8.84

7.52

10.10

Profit before tax (PBT) & Net Profit

…our highest PBT and Net Profit in the Group’s history.

999

As such, our return on equity (ROE) was 10.9%, within the

Group guidance of 10% to 11% for FY2017...

FY 2016 FY 2017

10.9%10.6%

ROE

6.2%

FY 2016 FY 2017

72.0 sen67.8 sen

EPS - Basic

…with our earnings per share (EPS) rising 6.2% YoY.

101010

1.7%

FY 2016 FY 2017

493.8485.7

Group Gross Loans

RM

billion

-2.7%

FY 2016 FY 2017

320.7329.5

Group Credit RWA

RM

billion

TotalCapitalRatio

Tier 1CapitalRatio

CET1CapitalRatio

Group Capital Adequacy

FY 2016 FY 2017

19.29%

15.66%

13.99%

19.38%

16.46%

14.77%

We remained mindful of credit RWA movement

as we expanded our loans portfolio...

…so as to maintain strong capital positions.

111111

Some key highlights of FY2017 include…

121212

We delivered value by enhancing customer experience…

…through product and

service innovation that

promotes convenience,

efficiency and ensures

security… First bank in Malaysia

to launch cashless

mobile payment

option using QR code

To provide an alternative solution

for home ownership through a

leasing scheme which does not

require any down payment while

offering a locked-in purchase

price for customers.

…as well as by providing solutions for

segments that are underserved or whose

needs are unmet.

131313

We delivered value through our people by transforming and

upskilling the workforce…

…by accelerating Maybankers’ readiness to

compete in this new digital age…

...so that we remain relevant to our customers and create the ideal

customer experience, for now and the future.

141414

We delivered value through our people by transforming and

upskilling the workforce (cont’d)…

…by continuing to strengthen the senior leadership team to ensure

sustainability of the organisation’s growth.

DR. JOHN LEE HIN HOCK

Chief Executive Officer, Maybank Singapore

GILBERT KOHNKE

Group Chief Risk Officer

NEW APPOINTMENT

ROTATION

151515

We deliver value by adopting an integrated approach in our

annual report disclosures…

…by demonstrating links in our ability to create value over time

through our strategy, governance, performance and outlook,

within our operating environment.

We use these five identified capitals to create

value for our stakeholder groups:Our identified stakeholder groups are:

We have identified how we create value, how we distribute it and

to whom, how we interact with our various stakeholders, what are

their concerns and how we address those concerns.

161616

In FY2018, we will deliver value by…

Effective net interest margin management in a rising rate environment

Maintaining pricing discipline of loans under the new

MFRS 9 environment

Maintaining stable liquidity risk indicators ahead of net stable funding ratio adoption in 2019

Managing cost growth with cost-to-income ratio of ~48%

Day 1 capital impact of ~40 bps with MFRS 9 adoption

Aspiring for a Group Return on Equity KPI of ~11%

1

2

3

4

5

6

Group

Performance

Guidance for

FY2018

171717

THANK YOU

Humanising Financial Services

67

Dato’ Amirul Feisal Wan Zahir

Group Chief Financial Officer

Contact: (6)03-2074 7703

Email: feisal.zahir@maybank.com

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: jeeva.a@maybank.com

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