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Investor Presentation

Financial Results 3Q FY2015 and 9M FY2015 ended 30 September 2015

26 November 2015

Humanising Financial Services

1

Table of Contents

Financial Results: 3Q FY2015 and 9M FY2015 ended 30 September 2015

Appendix:

2

2. Community Financial Services

3. Global Banking

4. Maybank Singapore

5. Maybank Indonesia

6. Other segments

7. Affiliates

30

35

40

44

50

55

Results Overview

8. Quarterly Financial Summary 58

1. Financial Performance 18

2

Franchise-Led Growth

Key Highlights Stronger 3Q performance, and 9M FY2015 net profit growth of 8.3%

• 9M YTD revenue growth of 16.1% and 14.7% excluding the gains from the

sale of Maybank PNG branch

• Net fund based revenue higher by 13.6% supported by focused loan

growth strategy and healthier net interest margin

• Fee-based income strengthens 22.1% led by FX gains, fee income from

Islamic operations and net earned insurance premiums

1

Improved Liquidity

• Improved deposit growth momentum in 3Q, resulting in annualised

growth of 12.6%

• Continued focus on strengthening of funding via targeted and

competitive deposit campaigns

2

Strategic Cost

Management

• CIR below threshold of 50%, even after normalisation of PNG sale

• Improved CIR QoQ, arising from continued focus on the Group’s strategic

cost management programme

3

Stable Capital Position

• Total capital ratio at 15.10% and CET1 capital ratio at 11.27% as at Sept

2015

• Current capital ratios at comfortable levels with capital plan and DRP in

place to effectively manage capital levels

4

3

FY2015 Key Performance Indicators Review Performance in line with management expectations, amidst challenging environment

Notes:

1Normalised to exclude sale of Maybank PNG branch

2Normalised to exclude the conversion effects for Singapore, Indonesia, Philippines, Greater China and Labuan (USD)

3In local currency terms

Key Performance Indicators FY2015 Guidance Annualised

1H FY2015 9M FY2015

Headline KPI

Return on Equity (reported) 12.0%-13.0% 12.1% 12.4%

Return on Equity (normalised)1 12.0%

Other Guidance

Group Loans Growth (reported) 8.0%-9.0% 11.1% 17.8%

Group Loans Growth (normalised)2 8.7%

• Malaysia 6.0%-7.0% 4.2% 6.4%

• Singapore3 5.0%-6.0% 8.2% 11.3%

• Indonesia3 10.0%- 13.0% 3.8% 5.9%

Group Deposits Growth (reported) 10.0%-11.0% 6.3% 12.6%

Group Deposits Growth (normalised)2 4.4%

4

9M FY2014Net Profit

Net fundbased income

Net fee basedincome

Overheads Netimpairment

losses

Share ofprofits andassociates

Taxation andzakat

Non-controllinginterests

9M FY2015Net Profit

4

Franchise-Led Growth Net profit of RM5.18 billion for YTD Sept FY2015 in line with consensus

(RM

million)

4,785

1,293

+13.6% 878

+22.1%

-971

+14.8%

-1,139

>100%

264

+28.8%

34

-14.8%

40

-34.9%

5,184

5

4,538 5,079 4,988 4,888

5,747

13,452

15,623

3QFY2014

4QFY2014

1QFY2015

2QFY2015

3QFY2015

9MFY2014

9MFY2015

Franchise-Led Growth Higher revenue growth of 16.1% led by fee-based and fund-based income growth

Net Operating Income

(RM

million)

3,220 3,138 3,415 3,543 3,813

9,479

10,772

3QFY2014

4QFY2014

1QFY2015

2QFY2015

3QFY2015

9MFY2014

9MFY2015

Net fund based income

(RM

million)

1,318

1,941

1,572 1,345

1,934

3,974

4,852

3QFY2014

4QFY2014

1QFY2015

2QFY2015

3QFY2015

9MFY2014

9MFY2015

Net fee based income

+16.1%

+13.6%

(RM

million)

+22.1%

(+17.1% ex-sale of

Maybank PNG branch)

6 6

Franchise-Led Growth Continued revenue momentum across all business sectors, led by CFS and International Banking

13,452

5,565

1,752 1,242 957

59

4,209

1,050

15,623

6,097

1,786 1,345 937

66

4,474

1,152

Total CommunityFinancial Services

(CFS)

CorporateBanking

Global Markets InvestmentBanking

AssetManagement

InternationalBanking

Insurance &Takaful

9M FY2014 9M FY2015

+9.6% +1.9% +8.3% -2.1% +11.9% +6.3% +9.7%


(RM

million)

+16.1%

Global Banking (GB) +3.1%

7

165.1 171.3 182.6 208.2

245.3 247.7 250.7 257.2

Dec 14 Mar 15 Jun 15 Sep 15

Overseas Malaysia

Franchise-Led Growth Group loans growth of 17.8%, driven by CFS segment in domestic and overseas markets

Group Gross Loans

465.3

(RM

billion)

+17.8% (ann.)

+8.7% (ann.) (ex-FX impact)

433.3 419.0 410.5

55.3%

44.7%

8 8

Franchise-Led Growth Loans growth of 6.4% in Malaysia, 11.3% in Singapore and 5.9% in Maybank Indonesia

30 Sep 2015 31 Dec 2014 YTD Annualised

Group Gross Loans¹ 465.3 410.5 17.8%

Malaysia (RM billion) ² 255.3 243.6 6.4%

Community Financial Services 179.1 168.8 8.2%

Global Banking 76.1 74.8 2.4%

International (RM billion) 204.4 162.4 34.5%

Singapore (SGD billion) 38.1 35.1 11.3%

Community Financial Services (reported)3 19.9 14.8 45.7%

Global Banking (reported) 3 18.0 20.1 (13.9)%

Others 0.3 0.3 4.1%

Indonesia (Rupiah trillion) 114.2 109.3 5.9%

Community Financial Services 89.9 84.1 9.2%

Global Banking 23.9 24.9 (5.4)%

Others 0.3 0.3 1.6%

Other markets (RM billion) 52.3 38.8 46.3%

Philippines 5.2 3.8 49.1%

Indochina 2.5 1.7 67.4%

Greater China 20.2 16.0 35.1%

Others 24.3 17.3 54.0%

Investment banking (RM billion) 5.6 4.4 36.2%

¹ Including Islamic loans sold to Cagamas and excludes unwinding of interest

² Takes into account others portion - Sept 15: RM0; Dec 14: RM7 million

³ If normalised for loan transfer of SGD 2.2 billion from GB to CFS for Business Banking segment due to realignment to the Group Customer Segmentation,

CFS and GB annualised growth would be 23.7% and 2.1% respectively

9

Franchise-Led Growth & Improved Liquidity Annualised deposit growth of 24.3% for 3Q, more in line with 3Q loan growth of 29.6%

439.6

447.1 453.5

481.0

Dec 14 Mar 15 Jun 15 Sep 15

Group Deposits

(RM

billion)

+12.6% (ann.)

+4.4% (ann.) (ex-FX impact)

10

Franchise-Led Growth & Improved Liquidity LDR at 95.3%, while Group continues to focus on improving profile of deposits

90.6% 91.8% 92.2% 94.2% 95.3%

34.5% 35.3% 35.4% 34.9% 35.3%

Sep 14 Dec 14 Mar 15 Jun 15 Sep 15

LDR CASA

Singapore Indonesia

Group Malaysia

83.9% 89.5% 91.5% 90.8% 92.0%

38.1% 39.9% 41.2% 39.6% 41.1%


102.7% 105.3% 104.5% 102.8% 101.7%

38.4% 38.7% 39.2% 39.7% 39.4%

91.1% 92.7% 91.9% 89.7% 88.7%


LDR (Bank Level)

95.8% 88.4% 89.1% 93.4% 95.3%

25.2% 24.9% 24.5% 24.6% 24.6%


11 11

Franchise-Led Growth Net interest margin improves QoQ, and on a YTD annualised basis NIM as at end-Sept is at 2.31% (FY2014: 2.31%)

2.31

2.20

2.26

2.28

2.38

3Q FY2014 4Q FY2014 1Q FY2015 2Q FY2015 3Q FY2015

Group Net Interest Margin (%)

12

Strategic Cost Management Improved cost to income ratio at 47.9% with positive JAW position

(RM’ mil) 9M FY2015 9M FY2014 YoY

Personnel Costs 4,178.5 3,667.5 13.9%

IT Expenses 447.1 376.4 18.8%

Establishment Costs 764.2 760.3 0.5%

Marketing Expenses 496.1 412.0 20.4%

Administration & General Expenses 1,623.5 1,322.2 22.8%

Total 7,509.3 6,538.4 14.9%

Group overheads composition

Note:

• Excluding one-off expenses such as higher gift point expenses and operational costs as well as provisioning for Maybank staff union’s collective

agreement, overheads growth was 11.9% YoY for 9M FY2015 with CIR of 46.8%.

• Excluding gain on disposal of Maybank PNG and Mayban Property PNG, 9M FY2015 CIR would be 48.5%

% 9M FY2015 9M FY2014 YoY

Total Cost to Income 47.9% 48.3% (0.4)

Group JAW Position 1.3%

13

70.5 (34.6)

248.0 300.9

667.9

435.0

1,216.8

3QFY2014

4QFY2014

1QFY2015

2QFY2015

3QFY2015

9MFY2014

9MFY2015

Allowances for losses on loans

95.4% 95.6% 93.5%

83.4% 85.4%*

Loan loss coverage

1.06 0.95 0.99 0.97

1.13 1.04 1.06

1.15 1.14

1.83

1.48 1.52 1.50

1.65

1.52 1.50 1.56 1.54

Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15

Gross Impaired Loans Ratio (%)

Net Impaired Loans Ratio (%)

Asset Quality Increased loan loss coverage of 85.4%, while Group GIL remained stable at 1.54%

Group Impaired Loans Ratio Allowance for losses on loans

*Loan loss coverage including Regulatory Reserve is 99.1%

(RM

million)

14

Asset Quality by Market Stable QoQ asset quality trends across three home markets

0.24 0.23 0.30

0.41 0.41

0.18 0.18 0.24 0.33 0.34


Gross Impaired Loans Ratio (%)

Net Impaired Loans Ratio (%)

3.32 3.24 3.49 4.50 4.54*

2.82 2.63 2.78 3.55 3.36*


2.04 1.85 1.75 1.62 1.63

1.37 1.25 1.23 1.18 1.25


Malaysia Singapore Indonesia

*Maybank Indonesia reported gross NPL (4.34%) and net NPL (2.79%) whereas the chart above represents Maybank Indonesia Group’s gross impaired loans ratio and net impaired loans

ratio

15

Group

Bank

Stable Capital Position Total Capital Ratio and CET1 remain healthy at 15.10% and 11.27% (based on actual reinvestment rate of 87.43%)

Before

proposed

dividend

After proposed

dividend and

reinvestment *

After proposed

dividend, based on

BNM’s Implementation

Guideline **

14.06% 13.84% 13.75% 15.76%

14.85% 14.63% 14.54% 15.76%

Sep-15 Sep-15 Sep-15 Dec-14

Tier 1 and Total Capital Ratio CET 1 Capital Ratio

Note:

• Based on 87.43% reinvestment rate under the DRP, the fully loaded CET1 Ratio would be at 10.70% (Group) and 9.35% (Bank) respectively.

* Adjusted based on acceptance rate of 87.43% under 11th DRP.

** Capital ratios are computed based on BNM’s implementation Guidelines on Capital Adequacy Framework (Capital Components) issued on 8th May 2013.

*** Adjusted based on acceptance rate of 82.55% under 10th DRP.

11.42% 11.27% 11.20% 11.38%

13.04% 12.88% 12.82% 13.17%

15.26% 15.10% 15.04% 15.87%

Sep-15 Sep-15 Sep-15 Dec-14

Total Capital Ratio Tier 1 Capital Ratio CET 1 Capital Ratio

After proposed

dividend and

reinvestment ***

16 16

Outlook & Guidance

ROE

Group Loans Growth

Malaysia Loans Growth

Singapore Loans Growth

Indonesia Loans Growth

Group Deposits Growth

12% - 13%

8% - 9%

6% - 7%

5% - 6%

10% - 13%

10% - 11%

• Maintain guidance for remaining of 2015

• Continued focus on strategic priorities

More selective asset growth

Franchise-led deposits taking

Proactive management of asset quality

Maintain strong capital position

Continued focus on productivity

• Downside risks include macro volatility closer to policy

decisions at year-end

• Foreign exchange and rate movements will impact some

aspects of performance

• Asset quality will be subject to market volatility

17

Table of Contents


Appendix:


3. Global Banking



6. Other segments

7. Affiliates

Results Overview

8. Quarterly Financial Summary

1. Financial Performance

2

30

35

40

44

50

55

58

18

18

P&L Summary: 9M FY2015

¹Fee-based income is the combined value of other operating income and fee-based income from Islamic Banking operations

²Pre-provisioning operating profit (PPOP) is equivalent to operating profit before impairment losses

* From consolidated Group numbers, Insurance and Takaful accounts for 6.0% of net fund based income and 10.7% of net fee-based income

More

details

on RM million

9M

FY2015

9M

FY2014 YoY

3Q

FY2015

2Q

FY2015 QoQ

3Q

FY2014 YoY

s.22 Net fund based income * 10,771.5 9,478.5 13.6% 3,812.9 3,543.3 7.6% 3,219.6 18.4%

s.22 Net fee based income * 4,851.6 3,973.6 22.1% 1,934.3 1,345.1 43.8% 1,318.0 46.8%

Fee based income and net earned

insurance premiums 7,562.1 7,161.3 5.6% 2,542.6 2,349.6 8.2% 2,453.6 3.6%

s.23 Fee based income¹ 4,516.1 4,242.1 6.5% 1,534.1 1,299.3 18.1% 1,486.1 3.2%

s.19 Net earned insurance premiums 3,046.0 2,919.2 4.3% 1,008.5 1,050.3 (4.0)% 967.5 4.2%

s.19

Net insurance benefits & claims

incurred, net fee & commission

expenses and life & takaful fund tax

(2,710.5) (3,187.7) (15.0)% (608.3) (1,004.5) (39.4)% (1,135.7) (46.4)%

s.21 Net operating income 15,623.2 13,452.1 16.1% 5,747.2 4,888.4 17.6% 4,537.6 26.7%

s.12 Overhead expenses (7,509.3) (6,538.4) 14.8% (2,601.4) (2,418.6) 7.6% (2,283.6) 13.9%

s.21 Pre-provisioning operating profit

(PPOP) ² 8,113.8 6,913.7 17.4% 3,145.8 2,469.8 27.4% 2,254.0 39.6%

Net impairment losses (1,490.7) (351.4) >100% (797.1) (395.0) >100% (72.5) >100%

Operating profit 6,623.1 6,562.3 0.9% 2,348.7 2,074.8 13.2% 2,181.5 7.7%

Profit before taxation and zakat (PBT) 6,775.4 6,680.6 1.4% 2,382.9 2,150.5 10.8% 2,226.0 7.1%

Profit attributable to equity holders

of the Bank (Net Profit) 5,183.9 4,785.2 8.3% 1,898.9 1,584.5 19.8% 1,608.1 18.1%

EPS - Basic (sen) 55.0 53.2 3.4% 19.9 16.8 18.5% 17.6 13.1%

19

Unaudited Income Statement for Insurance and Takaful Business

RM million 9M

FY2015

9M

FY2014 YoY

3Q

FY2015

2Q

FY2015 QoQ

3Q

FY2014 YoY

Interest income 692.1 723.7 (4.4)% 221.2 234.4 (5.6)% 236.3 (6.4)%

Interest expense (25.6) (20.1) 27.6% (8.6) (8.5) 1.1% (8.6) 0.0%

Net interest income 666.5 703.7 (5.3)% 212.5 225.9 (5.9)% 227.7 (6.6)%

Net earned premiums 3,046.0 2,919.2 4.3% 1,008.5 1,050.3 (4.0)% 967.5 4.2%

Other operating income 142.0 614.7 (76.9)% (177.1) 130.1 (236.1)% 293.4 (160.3)%

Total operating income 3,854.5 4,237.5 (9.0)% 1,044.0 1,406.3 (25.8)% 1,488.6 (29.9)%

Net insurance benefits & claims incurred,

net fee & commission expenses and life &

takaful fund tax

(2,788.0) (3,260.4) (14.5)% (634.2) (1,028.9) (38.4)% (1,158.9) (45.3)%

Net operating income 1,066.5 977.2 9.1% 409.8 377.4 8.6% 329.7 24.3%

Overhead expenses (426.4) (453.7) (6.0)% (131.9) (123.0) 7.2% (147.4) (10.5)%

PPOP 640.1 523.5 22.3% 277.9 254.4 9.3% 182.3 52.5%

Net impairment losses (308.1) (14.2) >100% (133.4) (116.6) 14.4% (0.5) >100%

Operating profit 332.0 509.3 (34.8)% 144.5 137.7 4.9% 181.7 (20.5)%

RM million 9M

FY2015

9M

FY2014 YoY

3Q

FY2015

2Q

FY2015 QoQ

3Q

FY2014 YoY

Net insurance benefits & claims incurred,

net fee & commission expenses and life &

takaful fund tax

(2,788.0) (3,260.4) (14.5)% (634.2) (1,028.9) (38.4)% (1,158.9) (45.3)%

Less: intercompany elimination 77.4 72.6 6.6% 25.9 24.4 6.2% 23.3 11.5%

Total net insurance benefits & claims

incurred, net fee & commission expenses

and life & takaful fund tax

(2,710.5) (3,187.7) (15.0)% (608.3) (1,004.5) (39.4)% (1,135.7) (46.4)%

Reconciliation of net insurance benefits & claims incurred, net fee & commission expenses and life & takaful fund tax

20

Overseas:

33.1%

75.1%

13.4%

2.4% 9.1%

Malaysia Singapore Indonesia Others

International & Malaysia Portfolio Mix: 9M FY2015

66.9%

15.8%

12.1% 5.2%

9M FY2014

Net Operating Income Profit Before Tax 9M FY2015

Gross loans*

(Jan 14 – Sept 14)

* Including Islamic loans sold to Cagamas and excludes unwinding of interest & EIR adjustment

55.3% 26.1%

7.5%

11.1% Overseas:

44.7%

Overseas:

24.9%

(Jan 15 – Sept 15)

RM465.33b RM15.62b

64.3% 16.0%

12.2%

7.5%

60.2% 23.5%

7.6% 8.7%

72.7%

13.2%

2.2% 11.9%

Overseas:

39.8%

Overseas:

35.7%

Overseas:

27.3%

RM13.45b RM6.68b RM388.12b

RM6.78b

21

13,452

5,565

1,752 1,242 957 59

4,209

1,050

15,623

6,097

1,786 1,345 937 66

4,474

1,152


CorporateBanking


AssetManagement


Insurance &Takaful

9M FY2014

9M FY2015

+9.6% +1.9% +8.3% -2.1% +11.9% +6.3% +9.7%

Business Segment Performance: 9M FY2015 (1/2)

Note: Net income & PPOP for group includes expenditures of Head Office & Others of RM1,381.8 million for 9M FY2014 and RM234.0 million for 9M FY2015.


RM

million

6,914

2,918

1,389 1,093 198 (3)

2,101

599

8,114

2,941

1,330 1,133

173 (15)

2,060

727


CorporateBanking


AssetManagement


Insurance &Takaful

9M FY2014

9M FY2015

+16.1%

+0.8% -4.3% +3.7%


-12.9% +380.0% -2.0% +21.4%

-2.1%

PPOP

RM

million


22

-4.2% -147.0% +25.4%

3,974

1,260 582 725 835

57

1,145

346

4,852

1,460

474 703 784

67 618 477


CorporateBanking


AssetManagement


Insurance &Takaful

9M FY2014

9M FY2015

9,479

4,305

1,169 517 122 3

3,064

704

10,772

4,637

1,312 642 153 (1)

3,856

674


CorporateBanking


AssetManagement


Insurance &Takaful

9M FY2014

9M FY2015

RM

million

+13.6%

+15.9% -18.7% -3.0%

Global Banking (GB)

-6.1% +18.9% -46.0% +37.9%

-7.8%

RM

million


Note: Net fund based income includes expenditures of Head Office & Others of RM404.8 million for 9M FY2014 and RM501.3 million for 9M FY2015.

Net fee based income includes expenditures of Head Office & Others of RM977.1 million for 9M FY2014 and a Head Office & Others income of RM267.3 million for 9M FY2015.

Net Fund Based Income

Net Fee Based Income

Business Segment Performance: 9M FY2015 (2/2)

+22.1%

+7.7% +12.2% +24.2% +25.8%

23

3,974 3,993

249

2,919

(3,188)

4,852

4,122

395

3,046

(2,711)

Total Other operatingincome

Fee Income fromIslamic Operations

Net Earned InsurancePremiums

Net Insurance Benefits& Claims Incurred, Net

Fee & CommissionExpenses and Life &

Takaful Fund Tax

9M FY2014

9M FY2015

RM

million

RM million 9M

FY2015 9M

FY2014 YoY

Commission, service charges and fees 2,751 2,645 4.0%

Investment & Trading Income 736 717 2.7%

Unrealised gain/ (losses) on securities & derivatives (756) 180 (519.5)%

Foreign Exchange Profit 1,115 285 291.0%

Other Income 275 166 65.5%

Net Fee Based Income: 9M FY2015

+58.5% +4.3% -15.0%

+22.1% +3.2%

24

% of

Portfolio 30-Sep-15 31-Dec-14

YTD

Annualised 30-Sep-14 YoY

Group Gross Loans¹ 465.3 410.5 17.8% 388.1 19.9%

Malaysia (RM billion) ² 55% 255.3 243.6 6.4% 232 10.0%

Community Financial Services 70% 179.1 168.8 8.2% 162.7 10.1%

Global Banking 30% 76.1 74.8 2.4% 69.3 9.9%

International (RM billion) 44% 204.4 162.4 34.5% 151.7 34.8%

Singapore (SGD billion) 25% 38.1 35.1 11.3% 34.5 10.6%

Community Financial Services (reported)3 52% 19.9 14.8 45.7% 14.0 41.8%

Global Banking (reported) 3 47% 18.0 20.1 (13.9)% 20.4 (12.1)%

Others 1% 0.3 0.3 4.1% 0.0 >100%

Indonesia (Rupiah trillion) 7% 114.2 109.3 5.9% 107.7 6.0%


Global Banking 21% 23.9 24.9 (5.4)% 26.8 (10.6)%

Others 0% 0.3 0.3 1.6% 0.4 (26.2)%

Other markets (RM billion) 11% 52.3 38.8 46.3% 34.2 52.9%

Philippines 10% 5.2 3.8 49.1% 3.3 56.9%

Indochina 5% 2.5 1.7 67.4% 1.5 73.8%

Greater China 39% 20.2 16.0 35.1% 14.1 43.5%

Others 47% 24.3 17.3 54.0% 15.3 58.7%

Investment banking (RM billion) 1% 5.6 4.4 36.2% 4.4 26.7%

Group Loans Growth: 30 Sep 2015


² Takes into account others portion - Sept 15: RM0; Dec 14: RM7 million; Sep 14: RM14 million

³ If normalised for loan transfer of SGD 2.2 billion from GB to CFS for Business Banking segment due to realignment to the Group Customer Segmentation,

CFS annualised and YoY growth would be 23.7% and 24.4% and GB annualised and YoY growth would be 2.1% and -0.3%

25

Malaysia Loans Growth: 30 Sep 2015

¹ Re-based loan growth figures are based on adjusted 31 Dec 2014 position in line with migration of client accounts, implemented on 1 Jan 2015. Re-based YTD annualised

growth was 42.7% for SME and 4.7% for Business Banking.

² Including Islamic loans sold to Cagamas and excludes unwinding of interest and takes into accounts others portion – Sep 15: RM0; Dec 14: RM7 million; Sep 14: RM14 million

RM billion % of

Portfolio

30 Sep

2015

31 Dec

2014

YTD

Annualised 30 Sep

2014 YoY


Consumer 56% 144.0 135.7 8.1% 131.3 9.7%

Total Mortgage 26% 67.1 60.9 13.5% 58.5 14.6%

Auto Finance 16% 40.8 38.6 7.7% 37.8 8.2%

Credit Cards 2% 6.0 5.8 4.6% 5.5 10.1%

Unit Trust 11% 27.8 28.3 (2.3)% 27.6 0.7%

Other Retail Loans 1% 2.3 2.1 11.1% 1.9 18.9%

Business Banking + SME 14% 35.1 33.1 8.2% 31.4 11.8%

Business Banking + SME (Re-based¹) 14% 35.1 31.9 13.4% 31.4 11.8%

SME 4% 9.6 7.5 36.4% 6.8 39.9%

Business Banking 10% 25.5 25.5 (0.1)% 24.6 3.9%

Global Banking (Corporate) 30% 76.1 74.8 2.4% 69.3 9.9%

Total Malaysia² 255.3 243.6 6.4% 232.0 10.0%

26

Commodities Exposure Maybank Group’s loan exposure for selected commodities as at 30 Sep 2015

Note: *Home Markets include outstanding loan exposure as at 30 September 2015 for Malaysia, Singapore and Indonesia only.

Country exposure is calculated based on respective domestic gross loans figures while Group exposure is based on total Group gross loans

Refer to next slide for further breakdown of clusters by production and manufacturing

Commodities

Agriculture Energy Metals & Mining

Note: *Home Markets include outstanding loan exposure as at 30 September 2015 for Malaysia, Singapore and Indonesia only.

Country exposure is calculated based on respective domestic gross loans figures while Group exposure is based on total Group gross loans.

Refer to next slide for further breakdown of clusters by production and manufacturing

Malaysia

Singapore

Indonesia

Malaysia Malaysia

Singapore

Indonesia

Singapore

Indonesia

Group Country

1.43% 2.61%

Group Country

2.11% 3.85%

Group Country

2.43% 4.44%

Group Country

0.23% 3.12%

Group Country

0.38% 5.14%

Group Country

0.19% 2.54%

Group Country

0.01% 0.05%

Group Country

0.27% 1.08%

Group Country

0.10% 0.41%

Home Market

1.67%

Home Market

2.76%

Home Market

2.73%

27

Commodities Exposure Maybank Group’s loan exposure to agriculture, energy and metals and mining in our three home market as at 30 Sep 2015

Commodities

Agriculture Energy Metals & Mining

Producers Manufacturers Producers Manufacturers Producers Manufacturers

Malaysia

Singapore

Indonesia

Note: Soft commodities covered under agriculture producers and manufacturers are rubber, oil palm and cocoa

Energy producers and manufacturers include loan exposure to crude oil, natural gas, steam, nuclear fuel and electricity. Energy classification for Singapore and Indonesia

data was widen as at 30 Sept 2015. For Indonesia, energy parameters now include O&G support services for land, air and sea, trade-related service providers for solid,

liquid and gaseous fuels as well as IPPs. For Singapore, energy parameters now include wholesale providers of solid, liquid and gaseous fuels and related products NEC as

well as manufacturers of water and gas pipe-line.

Hard commodities covered under metals and mining producers and manufacturers are coal, lignite, peat, metal ores, tin, iron, steel and non-ferrous metal

Malaysia

Singapore

Indonesia

Malaysia

Singapore

Indonesia

Malaysia

Singapore

Indonesia

Malaysia

Singapore

Indonesia

Malaysia

Singapore

Indonesia

Group Country

1.17% 2.13%

Group Country

0.26% 0.48%

Group Country

1.72% 3.14%

Group Country

0.39% 0.71%

Group Country

0.02% 0.04%

Group Country

2.41% 4.40%

Group Country

0.01% 0.04%

Group Country

0.21% 2.85%

Group Country

0.00% 0.01%

Group Country

0.02% 0.28%

Group Country

0.10% 0.40%

Group Country

0.23% 3.16%

Group Country

0.17% 0.68%

Group Country

0.15% 1.98%

Group Country

0.02% 0.07%

Group Country

0.07% 0.94%

Group Country

0.09% 0.34%

Group Country

0.12% 1.60%

28

Group Deposit Growth: 30 Sep 2015

% of

Portfolio

30 Sep

2015

31 Dec

2014

YTD

Annualised

30 Sep

2014 YoY

Group Gross Deposits 481.0 439.6 12.6% 420.2 14.5%

Malaysia (RM billion) 60% 286.9 278.3 4.1% 277.7 3.3%

Savings Deposits 14% 40.3 38.5 6.5% 38.0 6.2%

Current Accounts 27% 77.5 72.8 8.7% 67.9 14.3%

Fixed Deposits 54% 154.1 140.8 12.6% 139.7 10.4%

Others 5% 14.9 26.2 (57.8)% 32.2 (53.9)%

International 40% 195.5 162.9 26.7% 143.9 35.9%

Singapore (SGD billion) 26% 39.8 39.6 0.8% 35.9 11.1%

Savings Deposits 11% 4.4 4.5 (4.4)% 4.3 2.4%


Fixed Deposits 74% 29.4 29.0 1.8% 26.3 11.6%

Others 2% 0.7 0.8 (16.4)% 0.5 37.9%

Indonesia (Rupiah trillion) 7% 110.4 102.8¹ 9.9% 103.9 6.2%

Savings Deposits 23% 25.2 23.5 10.1% 24.1 4.5%


Fixed Deposits 61% 66.9 62.4 9.5% 64.0 4.5%

¹ Includes Others of Rupiah 0.6 trillion

29

Table of Contents


Appendix:


3. Global Banking



6. Other segments

7. Affiliates

Results Overview



2

30

35

40

44

50

55

58

18

30

Community Financial Services: Market Share as at end Sept 2015

*Refers to housing and shophouse loans

**Credit Cards market share refers to Receivables for commercial banks

Loans

Total Consumer / Household 17.2% 17.4% 17.4% 17.4% 17.5% 0.0 2

Auto (Purchase of Transport Vehicles) 21.5% 23.0% 23.4% 23.6% 23.8% 0.0 2

Total Mortgage* 13.1% 13.1% 13.1% 13.2% 13.3% 0.0 2

Credit Cards** 15.7% 16.1% 16.6% 16.9% 17.1% 0.0 2

Unit Trust 55.8% 52.7% 51.7% 51.4% 52.0% 0.0 1

Deposits

Total Deposits 18.5% 19.0% 18.6% 18.8% 18.0% 0.0 1

Total Core Retail Deposits 19.0% 19.4% 19.3% 19.4% 19.6% 0.0 2

Retail CASA 24.8% 24.8% 25.3% 25.3% 25.7% 0.0 1

- Retail Savings 29.8% 29.9% 30.1% 30.8% 30.8% 0.0 1

Retail Fixed Deposits (FD) 15.7% 16.5% 16.1% 16.2% 16.4% 0.0 2

Internet Banking -Subscriber Base 45.1% 43.4% 43.3% 43.2% 42.8% 0.0 1

Mobile Banking -Subscriber Base 34.3% 32.0% 30.7% 29.5% 29.1% 0.0 1

Branch Network 20.0% 20.0% 20.0% 20.0% 20.0% 0.0 1

Market

PositionDec-14

Jun-15

vs

Sep-15

Market

PositionMar-15

Mar-15

Jun-15

Dec-13

Dec-14

Jun-15

vs

Sep-15

Market Share Dec-13

Market Share Jun-15

Sep-15

Sep-15

31

105.5 106.4 107.4 106.2 105.6

3.11 3.12 3.15

3.18 3.19

3

3.5

80.0

100.0

120.0

3Q 2014 4Q 2014 1Q 2015 2Q 2015 3Q 2015

Product per customer

Community Financial Services: Overview of Malaysia Loans Portfolio

145.3 150.4

153.5 157.4

161.1

6.59 6.65 6.70

7.09 7.12

6.00

6.50

7.00

7.50

8.00

120.0

170.0

3Q 2014 4Q 2014 1Q 2015 2Q 2015 3Q 2015

Product per customer

31.4 33.1 33.0

33.9 35.1

3Q 2014 4Q 2014 1Q 2015 2Q 2015 3Q 2015

131.3

135.7

138.9

141.4 144.0

3Q 2014 4Q 2014 1Q 2015 2Q 2015 3Q 2015

SME & BB Loans grew by 8.2% (ann.) to RM35.1 billion

HNW & Affluent Customer TFA grew 10.8% YoY

through improved product cross sell

Consumer Loans grew 8.1% (ann.) to RM144.0 billion

31.9*

Mass Customer cross sell ratio improved to 3.19

*Re-based loan growth figures are based on adjusted 31 Dec 2014 position in line with migration of client accounts to Global Banking

**Customer classification: HNW (IA>RM3M, TFA >RM4M); Affluent (IA between RM 250K to RM3M, TFA between RM1M to < RM4M)

***TFA: Total Financial Assets (Deposits, Investments, Financing & Protection), IA: Investable Assets (Deposits & Investments)

RM

billion

RM

billion

RM

billion

RM

billion

2.3 2.2 Re-based

Mass to

HNW &

Affluent

32

Community Financial Services: Overview of Malaysia Deposits Portfolio

64.6

69.7

70.6 71.0

74.9

3Q 2014 4Q 2014 1Q 2015 2Q 2015 3Q 2015

Retail SME & Business Banking deposits growth of

10.0% (ann.)

178.7

186.6 190.0

192.4

198.8

3Q 2014 4Q 2014 1Q 2015 2Q 2015 3Q 2015

114.1

116.9

119.4

121.5

123.9

108.0

110.0

112.0

114.0

116.0

118.0

120.0

122.0

124.0

126.0

3Q 2014 4Q 2014 1Q 2015 2Q 2015 3Q 2015

Consumer annualised deposits growth of 8.0%

was largely driven by Fixed Deposit which grew

by 8.1%(ann.) and CASA by 7.6% (ann.). This

resulted in Retail Deposit market share improving

to 19.6% as at September 2015.

SME deposit YTD annualised growth of 16.0%

(ann.) was contributed by strong growth in Fixed

Deposits which grew 34.7% (ann.).

Consumer Deposits growth of 8.0% (ann.) driven

by FD growth of 8.1% (ann.)

CFS Deposits growth of 9.1% (ann.) led by

Consumer and SME portfolios

186.1*

69.2*

Note: *Re-based deposit growth figures are based on adjusted 31 Dec 2014 position in line with migration of client accounts to Global Banking.

RM

billion

RM

billion

RM

billion

33

Community Financial Services: Overview of CFS Malaysia Asset Quality

2,999 2,803

2,585 2,458

2,580

9.6% 8.5%

7.9% 7.3% 7.4%

2.7% 2.4% 2.3% 2.1% 2.1%

0.1% -

500

1,000

1,500

2,000

2,500

3,000

3,500

3Q 2014 4Q 2014 1Q 2015 2Q 2015 3Q 2015

GIL % for SME & BB GIL % for SME

3,658 3,457 3,334

3,109 3,285

2.2% 2.0% 1.9% 1.8% 1.8%

-1.8% (800)

400

1,600

2,800

4,000

3Q 2014 4Q 2014 1Q 2015 2Q 2015 3Q 2015

GIL %

CFS GIL remained stable at 1.8%

SME & Business Banking GIL at 7.4%

Consumer GIL held steady with a slight increase in

Cards & Business Banking

GIL ratio for consumer financing portfolios held

steady on a YoY and QoQ basis with a slight

increase seen in Cards.

SME and Business Banking GIL increased slightly

QoQ to 7.4% due to Business Banking.

Business Banking GIL uptick in the quarter is

partly due to implementation of new

impairment guidelines on impaired accounts.

RM

million

RM

million

GIL % Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015Industry

Q3 2015

CFS 2.2 2.0 1.9 1.8 1.8 N/A

Consumer 0.5 0.5 0.5 0.5 0.5 1.1

Auto 0.5 0.5 0.5 0.5 0.5 1.0

Mortgage 0.7 0.6 0.6 0.6 0.6 1.2

Credit Cards 0.8 0.7 0.8 0.7 0.9 1.4

Unit Trust Loan 0.1 0.1 0.4 0.1 0.1 0.1

Business Banking & SME 9.6 8.5 7.9 7.3 7.4 N/A

Business Banking 11.5 10.3 9.6 9.1 9.4 2.0

SME 2.7 2.4 2.3 2.1 2.1 2.6

34

Table of Contents


Appendix:


3. Global Banking



6. Other segments

7. Affiliates

Results Overview



2

30

35

40

44

50

55

58

18

35

2.4

32.1

34.7

2.3

37.5

35.0

2.1

39.6

34.4

Sep'15

Dec'14

Sep'14

Trade Finance and Others

Overdraft

Corporate Banking GIL ratio improved to 1.18% on a YoY

and QoQ basis

Total GB loans increased by 2.4% (ann.) to RM76.1 billion

and grew 9.9% YoY

+7.7%

(ann.)

-14.1%

(ann.)

RM billion

1 Market share of total trade products (On Balance Sheet items, Contingent

Liabilities and Others)

-2.3%

(ann.)

1.57% 1.43%

1.31% 1.27% 1.18%


Term Loan

Global Banking: Overview of Corporate Banking Portfolio

Trade Finance market share ¹

25.4%

25.8%

24.6% 24.9%

25.3%


36

Global Banking: Overview of Global Markets Portfolio

Group Securities Portfolio:

42.7% Foreign Securities as at 9M FY2015

53.1% 25.7%

19.2%

0.2% 0.8%

1.0%

55.8% 21.7%

19.7%

0.4%

1.0% 1.4%

RM21.4

billion RM20.3

billion

51.5 50.9 48.0 47.6 51.7

44.5 44.5 45.5 46.6 48.9

11.8 9.2 10.3 14.6 11.6


Others

PDS/CorpBondsGovt.Securities

Commercial

Papers

1,654.8

1,641.5

9M FY2014 9M FY2015

23.3%

22.8%

23.6%

19.9%

10.4%

1,051.7 982.1

882.3 1,039.5

9M FY2014 9M FY2015

Net interest income

Non-interest income

+4.5%

Group Securities Portfolio grew 4.1% YoY

+4.1% YoY

112.2 103.8 108.8 104.6

Global markets revenue grew regionally by 4.5%

-0.8%

1,934.0

Revenue PBT

RM

million

Note: PBT & Revenue includes regional performance

RM 112.2

billion

41.4% of GM PDS (Maybank Conventional Malaysia)

rated “AA” or above as at 9M FY2015

RM

billion

9M FY2015

Government

Securities

-Domestic

Government

Securities

-Foreign PDS/Corp

Bonds

-Domestic

PDS –

Foreign

Others

(NIDs, BA,

etc)

27.2%

20.6% 25.4%

15.9%

10.9%

RM107.8

billion

Government

Securities

-Domestic

Government

Securities

-Foreign

PDS –

Foreign

Others

(NIDs, BA,

etc)

9M FY2014

SA

(Govt.

Guaranteed) AAA

AA

SA

(Govt.

Guaranteed) AAA

AA

A Commercial

Papers

Note: Group PDS (Maybank Malaysia) for 9M FY2014 and 9M FY2015 are

RM23.6 billion and RM22.7 billion respectively

107.8

9M FY2015 9M FY2014

<A

2,021.6

PDS/Corp

Bonds

-Domestic

A

<A

37 37

YTD Sept 2015 Equity Brokerage League Table by Country

* Ranking is not disclosed in respective exchanges

Note: Maybank Kim Eng represents the combined business of Maybank IB and business segments under Maybank Kim Eng Holdings

Country Rank Market Share Trading Value

(USD m)

Thailand 1 8.9% 40,847

Malaysia 4 8.8% 18,531

Indonesia 7 3.2% 5,365

Philippines 4 7.9% 6,125

Singapore N/A* 4.3% 12,957

Hong Kong Tier2 0.8% 44,552

9M ended 30 Sept 2015 Total Income Total Income for Maybank Kim Eng dropped by 2.1% YoY

Arrangers' Fees 23%

Brokerage 54%

Other Fee Income 7%

Agency/ Guarantee Fees

3%

Advisory Fees 5%

Placement Fees 5%

Primary Subscriber's Fees

0%

Underwriting Fees 3%

Malaysia, (RM270.7 mil,

29%)

Thailand, (RM263.6 mil,

28%) Singapore,

(RM231.3 mil, 25%)

Hong Kong, (RM67.8 mil,

7%)

Phillipines, (RM45.7 mil,

5%)

Others, (RM44.8 mil,

5%)

Indonesia, (RM13.1 mil

,1%)

RM937.0mil

9M ended 30 Sept 2015 Fee-based Income for Malaysia

Global Banking: Overview of Investment Banking Portfolio

956.9

937.0

9M FY2014 9M FY2015

2.1%

RM

million

38 38

Mar 2015

Malaysia

Rights Issue

Joint Managing

Underwriter

Joint Underwriter

MYR 629 Million

Mar 2015

Thailand

Platinum Group

Initial Public

Offering (IPO)

Sole Financial Adviser

Sole Bookrunner

Joint Underwriter

THB 5.18 billion

Mar 2015

Turkey

KT Kira Sertifikalari

Varlik Kiralama A.Ş.

Sukuk Wakalah Joint Principal Adviser

Joint Lead Arranger

Joint Lead Manager

Joint Bookrunner

Joint Shariah Advisor

Sukuk Trustee

MYR 300 million

Mar 2015

Hong Kong

Samson Paper

Company Ltd

Syndicated Term

Financing

Joint Mandated Lead

Arranger

Bookrunner

Joint Under Writer

HKD 728 million

Jan 2015

Malaysia

Sapurakencana TMC

Sdn Bhd

Syndicated Term

Financing Coordinating Bank

Joint Mandated Lead

Arranger

Investment Agent

Security Agent

USD 2.32 Billion

Jan 2015

Singapore

Pacific Andes

Resources Dev’t

Initial Public

Offering


Sole Bookrunner

Joint Underwriter

SGD 195.5 Million

Feb 2015

Singapore

Hap Seng

Consolidated Berhad

Partial Offer on 51%

of Hafary Holdings

Limited


UP TO SGD52.5 Million

Feb 2015

Malaysia

Weststar Aviation

Services Sdn Bhd

Syndicated

Murabahah Term

Financing & Islamic

Working Capital

Facilities Mandated Lead Arranger

Lender

MYR 1.9 Billion

Mah Sing Group Berhad

Jun 2015

UAE

Sukuk Wakalah

Joint Lead Manager

Joint Bookrunner

Dubai Islamic Bank

USD750 Million

May 2015

Malaysia

Eco World – Ballymore

Holding Company Limited

Syndicated Loan

Joint Mandated Lead

Arranger

Joint Bookrunner

UP TO GBP 1.1

Billion

May 2015

Malaysia

Malakoff Corporation

Berhad

Initial Public

Offering Transaction Manager

Joint Principal Advisor

Joint Global Coordinator

Joint Bookrunner

Joint Underwriter

UP TO MYR 1.5

Billion

Apr 2015

Singapore

Pacificlight Power Pte

Ltd / Pacificlight Energy

Pte Ltd

Syndicated Credit

Facilities Financial Advisor

Mandated Lead Arranger

Underwriter

SBLC Issuing Bank

Facility/Security Agent

SGD 1.1 Billion

Syndicated Term

Loan


and Bookrunner

May 2015

Hong Kong

Fosun International

Limited

USD 800 Million

Jun 2015

Indonesia

PT Buana Finance

Syndicated Loan

Lender

USD50 Million

Jun 2015

Philippines

San Miguel Consolidated

Power Corporation

7-Year Syndicated

Term Loan Facility

Lead Arranger

USD60 Million

Syndicated Term

Loan


and Bookrunner

HKD 2 Billion

July 2015

Hong Kong

Zhuhai Holdings Investment

Group Limited

RM550.2 Million

July 2015

Malaysia

Sunway Construction

Initial Public

Offering (IPO)

Joint Global Coordinator

Joint Bookrunner

Joint Underwriter

RM252.4 Million

Sept 2015

Malaysia

Al-Salam REIT

Initial Public

Offering (IPO)

Joint Placement Agent

USD550 Million

July 2015

Petron Corporation

Syndicated Term

Loan Facility


and Bookrunner

Philippines

RM1.6 Billion

Aug 2015

Multi-Currency

Islamic Medium

Term Notes

Programme

Joint Principal Adviser,

Joint Lead Arranger,

Joint Lead Manager

Kuala Lumpur Kepong

Berhad

Malaysia

Malaysia

Apr 2015

IJM Corporation

Berhad

Privatisation of

IJM Land Berhad

Principal Adviser

MYR 1.98 Billion

Sept 2015

Projek SMART Holdings

Sdn Bhd

RM330 Million

Islamic Medium

Term Notes

Programme

Principal Adviser, Lead

Arranger, Lead Manager

Malaysia

Term Loan Facility


and Bookrunner

USD780 Million

Sept 2015

Yinson Production

(West Africa) Pte Ltd

Singapore

RM 182 Million

Sept2015

Wing Tai Malaysia Berhad

Rights Issue

Principal

Adviser

Malaysia

RM1.4 Billion

Aug 2015

Malaysia

Acquisition

Principal Adviser

Dayang Enterprise

Holdings Bhd

RM5 Billion

Aug 2015

Medium Term Notes

Programme

Joint Principal Adviser,

Joint Lead Arranger,

Joint Lead

Malaysia

Genting Malaysia

Berhad

Global Banking: Notable Deals for 9M FY2015

Apr 2015

Cititower Sdn Bhd

JV KLCC (Holdings) Sdn

Bhd & QD Asia Pacific

Ltd

Syndicated Islamic

Term Financing

Joint Mandated Lead

Arranger

Bookrunner

Joint Underwriter

Malaysia

UP TO MYR 3.2

Billion

http://www.pacificlight.com.sg/

39

Table of Contents


Appendix:


3. Global Banking



6. Other segments

7. Affiliates

Results Overview



2

30

35

40

44

50

55

58

18

40

Maybank Singapore: P&L Summary

(SGD mil) 9M FY2015 9M FY2014 YoY

Net Fund Based income 428.69 379.50 13.0%

Net Fee Based income 187.36 217.69 (13.9)%

Net income 616.04 597.18 3.2%

Overhead expenses 265.48 251.88 5.4%

Operating profit 350.57 345.30 1.5%

Profit before taxation 301.15 330.46 (8.9)%

• PBT fell by 8.9% YoY or SGD29.31 million to SGD301.15 million for 9M FY2015

• Fund-based income increased by 13.0% YoY on the back of expanded loan base.

• Fee-based income declined by 13.9% YoY as a decline in both treasury and wealth management

income more than offset a rise in credit-related fees

• Overhead expenses increased by 5.4% YoY mainly arising from higher human capital investments

41

Maybank Singapore: Overview of Loan Portfolio

0.31 0.28 0.26 0.24 0.31

0.42 0.44

0.23 0.22 0.20 0.20 0.25

0.35 0.36

Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15

GIL Ratio NIL Ratio

7.6 8.5 8.9

4.7 4.2 4.6

4.8 4.4 3.9

4.6 5.6 6.0

7.1 7.5 9.1

2.1 2.1 1.9

2.5 2.6 3.6

Sep 14 Dec 14 Sep 15

Other(Consumer)

Car Loan

Housing Loan

Others(Corporate)

Non-Bankfinancial Inst

GeneralCommerce

Building &Const

Asset Quality up slightly YoY in Sep-15 Maybank Singapore loans growth of 10.6% YoY is more than

double the industry growth of 4.2%

Diversified Loan Portfolio

34.5 38.1

Consumer

38%

Corporate

62%

SG

D b

illion

As at 30 June 2015, total loans rose by 11.3%

YTD annualised .

Consumer loans expanded by 25.8% YTD to

SGD14.6 billion, lifted by strong growth in

both housing and other personal loans. Car

loans continued to decline in line with

industry trend.

Meanwhile, business loans increased by 3.5%

YTD to SGD23.4 billion. Building and

Construction loans grew by 6.3% YTD but

trade finance rose by just 1.7% amid a

slowdown in regional trade flows and lower

commodity prices.

13.3%

18.8% 21.3%

13.4%

11.6% 9.9% 10.6%

17.3%

16.5% 14.0%

9.3% 6.7%

3.4% 4.2%

Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15

Maybank Singapore Growth Industry Growth

+10.6% YoY

35.1

+11.3% ann.

42

Maybank Singapore: Overview of Deposits Portfolio

4.3 4.8 4.8

10.4 12.1 12.6

4.8 5.1 5.0

16.5 17.6 17.4

Sep-14 Dec-14 Sep-15

Consumer -Time Deposits

Consumer CASA

Business TimeDeposits

Business CASA

Maybank Singapore deposits up by 11.1% YoY compared

to the 9.2% rise in system-wide deposit

Consumer deposits account for 56% of our deposits

+11.1% YoY

35.9 39.8

Consumer

56%

Corporate

44%

SG

D b

illion

4.3 4.5 4.4

4.8 5.3 5.4

26.8 29.7 30.0

Sep-14 Dec-15 Sep-15

TimeDeposits

DemandDeposits

SavingsCASA Ratio:

24.6%

CASA grew 7.8% YoY in Sep-15 but fell 1.7% on a

YTD annualised basis

4.1% 3.3%

7.3%

16.5% 17.0%

11.5% 11.1%

6.8% 5.0%

4.4% 7.0% 8.0% 6.4%

9.2%

Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun-15 Sep-15

Maybank Singapore Growth Industry Growth

Deposits grew by 0.8% (ann.) to SGD39.8 billion

as business deposits rose by 4.0% to SGD17.4

billion, supported by a 5.4% increase in time

deposits.

Consumer deposits declined by 2.1% (ann.) to

SGD22.3 billion, weighed by a drop in both CASA

and time deposits.

39.6

+0.8% ann.

43

Table of Contents


Appendix:


3. Global Banking



6. Other segments

7. Affiliates

Results Overview



2

30

35

40

44

50

55

58

18

44

Maybank Indonesia’s Official Change in Name

45

(IDR bil) 9M FY2015 9M FY2014 YoY 3Q FY2015 2Q FY 2015 QoQ

Net Fund Based income 4,784 4,329 11% 1,696 1,502 13%

Net Fee Based income 1,605 1,427 12% 523 461 14%

Net income 6,389 5,756 11% 2,219 1,962 13%

Overhead expenses (4,110) (3,701) 11% (1,343) (1,314) 2%

Personnel (1,847) (1,623) 14% (617) (600) 3%

General & Administrative (2,217) (2,079) 7% (730) (753) (3)%

Other Operating Expenses (47) - N/A 4 39 (90)%

Operating profit 2,279 2,055 11% 876 648 35%

Provisions Expenses (1,559) (1,464) 6% (607) (525) 16%

Non Operating Income/ Expenses 64 (103) 162% (9) 49 (118)%

Profit Before Tax before Minority

Interest 784 488 61% 259 172 51%

Net Profit 592 347 71% 204 133 54%

EPS - Basic (IDR) 8.74 5.69 54% 3.01 1.96 54%

Maybank Indonesia: P&L Summary

46

30.9 25.9 24.0 23.2

35.3 38.9 40.8 43.6

35.8 39.8 41.5 44.7

Dec-13 Sep-14 Dec-14 Sep-15

Global Banking Business Banking Retail Banking

17.7 15.8 16.3 18.3

24.7 24.2 23.5 25.2

64.9 63.6 62.7 67.1


Current Account Saving Account Time Deposit

Net Interest Margin (Consolidated)

Asset Quality (Consolidated)

Loans composition (Consolidated) IDR Trillion

Deposits (Consolidated) IDR Trillion

111.5 106.3 104.6

6.6% YoY

6.6% ann.

102.0

110.6 102.5 103.6

6.8% YoY

10.5% ann.

107.2

Maybank Indonesia: Portfolio Overview

4.94% 4.63% 4.76% 4.82%


3.42% 3.34% 3.59%

4.62% 4.65%

2.62% 2.44%

2.56%

3.29% 3.12%

Sep-14 Dec-14 Mar-15 Jun-15 Sep-15

Impaired Loans - Gross Impaired Loans - Net

47

35,488

891

36,379 38,828

459

39,287

New Used Total

Sep-14 Sep-15

543 608

248 265

Sep-14 Sep-15

Revenue Profit Before Tax

Asset Quality

Revenue and Profit Before Tax IDR billion

Maybank Indonesia: Overview of BII Finance Operations

Consumer Financing IDR billion

27.2%

7.0%

Unit Financing (unit)

8.0%

48.5%

9.4%

3,151

4,009

Sep-14 Sep-15

0.19% 0.15%

0.30% 0.25%

0.20%

0.23%

0.18%

0.37% 0.33%

0.24%


NPL Net NPL Gross

48

1.24% 1.07% 1.09% 1.45% 1.40%

3.03% 2.75% 2.81% 2.91% 2.95%


NPL Net NPL Gross

4,442 3,992

Sep-14 Sep-15

318

120

438

272

167

439

New Used Total

Sep-14 Sep-15

Maybank Indonesia: Overview of WOM Finance Operations

Consumer Financing IDR billion

14.5%

39.6%

0.3% Asset Quality

Revenue and Profit Before Tax IDR billion

Unit Financing (‘000 unit)

11.2%

1,142 1,270

55 (22)

Sep-14 Sep-15

Revenue Profit Before Tax

10.1%

49

Table of Contents


Appendix:


3. Global Banking



6. Other segments

7. Affiliates

Results Overview



2

30

35

40

44

50

55

58

18

50

27.87

24.48 25.67

4.70

10.70

15.13

30.96 30.17 29.07

4.79

13.52

18.45

AITAB Mortgage Term Financing Others (CFS) Term Financing Others (GB)

Dec-14

Sep-15

Islamic Banking: Performance Overview

Group Islamic Banking Financial Performance

Maybank Islamic: Key ratios

9M

FY2015

9M

FY2014

Return on Equity (ROE) 16.14% 15.22%

Return on Risk-Weighted Assets (RRWA) 2.75% 2.51%

Fee Income Ratio 15.98% 12.06%

Cost to Income Ratio* (CIR) 36.04% 36.39%

Total Capital Ratio (TCR) 15.179% 15.271%

*Cost for 9M FY2014 is normalised after adjustment

Maybank Islamic: Total Gross Financing grew by

23%(ann.) to RM127.0 billion

Maybank Islamic contribution to Maybank Malaysia

Loans and Financing as at September 2015

Note: Group Islamic Banking includes Maybank Islamic and the Group’s

other Islamic operations

RM million 9M

FY2015

9M

FY2014 YoY

Total Income 2,984.5 2,465.7 21.0%

Profit Before Tax 1,230.9 1,087.8 13.2%

GB: 31% CFS: 20 %

p15% p31%

p18%

p35%

p29%

p3%

Year Contribution

Dec 2014 43.8%

Mar 2015 46.3%

Jun 2015 47.9%

Sep 2015 48.7%

Maybank

Conventional

Malaysia, 51.3%

Maybank Islamic,

48.7% RM

billion

51

Islamic Banking: Market Share as at end Sept 2015

Sep 15 Sep 14

Automobile financing 42.0% 38.3%

Home Financing 27.2% 25.0%

Term financing 30.8% 29.7%

CASA Deposits 34.8% 31.5%

Market Share by Product

Maybank ranks No.1 by Asset Market Share in Malaysia

Source: BNM monthly statistical bulletin Jun-15 and respective Bank’s Financial

Statements

Malaysia Asset Market Share

Jun 15 Rank

Maybank Islamic 31% 1

CIMB Islamic 10% 2

Bank Islam 9% 3

Source: Bloomberg

Sukuk League Table Ranking for 9M FY2015

Global Sukuk League

Table Ranking

Market Share

(%)

Amount

(USD million) Issues

#4 Maybank 8.2 2,005 52

MYR Sukuk League

Table Ranking

Market Share

(%)

Amount

(RM million) Issues

#3 Maybank 18.8 5,730 48

31.1% 31.6%32.7% 33.0% 33.4% 33.6%

25.1% 24.7% 24.9% 24.4% 24.8%

27.9%

15.0%

20.0%

25.0%

30.0%

35.0%

Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15

Financing Deposit

Maybank Islamic Market Share (Malaysia)

52

* Market Share is for period Jul’14 – Jun’15 (Source: LIAM / ISM Statistics)

9.8%

14.3%

15.5%

19.0%

0.0% 5.0% 10.0% 15.0% 20.0%

Etiqa Ins. & Tak.

GE Ins. & Tak.

Prudential Ins. & Tak.

AIA Ins. & Tak.

560.9

349.5

9M FY2014 9M FY2015

27.75 27.54 26.94

Sep 2014 Dec 2014 Sep 2015

Total Assets (RM billion)

Life / Family (New Business) Market Share

General Insurance and Takaful Market Share

Gross Premium

No. 4 in Life/Family

(New Business)

No. 1 in General

Insurance and Takaful

-37.7% YoY

Profit Before Tax (RM million)

Note: PBT includes estimated transfer of RM44.9 million from Family Fund in 9M FY2015.

- 2.9% YoY

- 2.2% YTD

Insurance and Takaful: Performance Overview

8.1%

11.2%

13.0%

0.0% 5.0% 10.0% 15.0%

AmGeneral Insurance

Allianz Insurance

Etiqa Ins. & Tak.

0 1,000 2,000 3,000 4,000 5,000

Total Life/Family& General

Total General

Misc

MAT

Motor

Fire

Total Life/Family

Group Premium

Credit Premium

Regular Premium

Single Premium

(RM Million)

9M FY2015

9M FY2014

- 64.5%

+ 13.1%

+ 12.5%

- 9.2%

+ 0.3%

+ 1.5%

+ 9.1%

+ 20.5%

+ 11.8%

+ 7.9%

+ 4.2%

53

48,670.6

55,280.0

52,483.0

54,991.5

Dec 2014 Sep 2015

PESO

Mil

Gross Loan

CustomerDeposits

2,949.1

3,569.3

636.4 629.7

9M FY2014 9M FY2015

PESO

Mil Revenue

PBT

Maybank Philippines: Performance Overview

Revenue and PBT

Revenue improved YoY by 21.0% or PESO620.2 mil as net

interest income grew on the back of higher loans growth and

non-interest income growth was supported by an increase in

commissions and higher trading gain.

PBT declined marginally YoY by 1.1% or PESO6.7 mil as loan

loss provisions partly offset the higher income.

Gross loans grew 18.1% (ann.) driven by the increase in

retail loans, mainly Auto and Business Banking.

Customer deposits rose by 6.4% (ann.) contributed by higher

CASA.

Gross impaired loans ratio was higher by 11 bps to 3.57% in

September 2015 from 3.46% a year ago, due to an increase

in impaired loans largely arising from the auto, mortgage

and business banking portfolio. Gross Loans and Deposits

Key Highlights

*Annualised growth

+21.0% YoY

-1.1% YoY

+18.1%*

+6.4%*

Key Ratios 9M FY2015 9M FY2014

Return on assets 1.72% 1.14%

Return on equity 9.71% 3.96%

Cost-to-income ratio 72.68% 75.72%

Loans to Deposit ratio 98.40% 90.71%

Gross Impaired Loans Ratio 3.57% 3.46%

No. of branches 79 79

54

Table of Contents


Appendix:


3. Global Banking



6. Other segments

7. Affiliates

Results Overview



2

30

35

40

44

50

55

58

18

55

1,210.5

1,459.7

213.6 256.6

9M FY2014 9M FY2015

VN

D B

il Revenue

PBT

Revenue increased YoY by 20.6% or VND249.2 bil, as fee

income and interest income improved by 86.2% and 12.4%

respectively.

PBT rose YoY by 20.1% or VND43.0 bil due to higher income

mainly as a result of lower interest expense and higher gain

on investments. However, this was partially offset by higher

loan losses.

Overheads increased slightly by 4.8% mainly due to higher

staff cost and marketing expenses.

Gross loans declined by 15.3% (ann.) or VND4,899.1 bil due

to lower Corporate and FI lending.

Customer deposits decreased by 6.3% (ann.) or

VND2,153.8 bil mainly due to the drop in Current Accounts

and Fixed Deposits.

Gross NPL ratio improved to 1.8% from 5.6% contributed by

lower NPL balance.

Gross Loans and Deposits

*Annualised growth






Gross NPL Ratio 1.80% 5.62%

An Binh Bank: Performance Overview

42,633.1

37,734.0

45,403.7 43,249.9

Dec 2014 Sep 2015

VN

D B

il

Gross Loan

CustomerDeposits

+20.1% YoY

+20.6% YoY

-15.3%*

-6.3%*

Revenue and PBT Key Highlights

56

42.0

50.7

28.0

34.7

9M FY2014 9M FY2015

PKR B

il Revenue

PBT

322.8 325.5

676.0 692.6

Dec 2014 Sep 2015

PKR B

il

Gross Loan

CustomerDeposits

PBT increased by 23.9% YoY contributed by higher

revenue and lower provisions.

Net interest income was higher by 15.3% YoY, mainly due

to an increase in interest income from investments.

Non-interest income grew by 38.6% YoY, supported by an

increase in gain on sale of securities and higher

commissions.

Gross loans was marginally higher by 1.1% (ann.) driven

by higher domestic loans.

Customer Deposits increased by 3.3% (ann.), as the

increase in CASA helped to offset the impact of declining

Fixed Deposits.

Gross NPL ratio improved by 77 bps due to lower NPL

balances and an increase in loan base.

Gross Loans and Deposits

*Annualised growth






Gross NPL Ratio 6.34% 7.11%

MCB Bank: Performance Overview

+3.3%*

+1.1%*

+20.7% YoY

+23.9% YoY

Revenue and PBT Key Highlights

57

Table of Contents


Appendix:


3. Global Banking



6. Other segments

7. Affiliates

Results Overview



2

30

35

40

44

50

55

58

18

58

1,572 1,561

122

987

(1,098)

1,345 1,195

104

1,050

(1,004)

1,934

1,366

169

1,009

(608)

Total Other operating income Fee Income from IslamicOperations

Net Earned InsurancePremiums

Net Insurance Benefits &Claims Incurred, Net Fee& Commission Expensesand Life & Takaful Fund

Tax

1Q FY2015

2Q FY2015

3Q FY2015

RM

million

RM million 1Q

FY2015

2Q

FY2015 QoQ

3Q

FY2015 QoQ

Commission, service charges and fees 937 946 1.0% 868 (8.2)%

Investment & Trading Income 238 233 (1.9)% 265 13.6%

Unrealised gain/ (losses) on securities & derivatives (91) (176) 94.9% (489) 177.1%

Foreign Exchange Profit 423 84 (80.1)% 608 623.1%

Other Income 54 108 101.6% 113 4.0%

Net Fee Based Income by quarter

-14.4% +43.8% -23.4% +14.2%

-15.0% +62.2% -4.0% +6.4% -8.5% -39.4%

59

Key Operating Ratios

(%) 9M

FY2015

9M

FY2014

Variance

YoY

1Q

FY2015

2Q

FY2015

3Q

FY2015

Variance

QoQ

Return on Equity 12.4 13.4 (1.0)% 12.8 11.7 13.6 1.9%

Net Interest Margin 2.31 2.34 (3)bps 2.26 2.28 2.38 10bps

Fee to Income Ratio 31.1 29.5 1.6% 31.5 27.5 33.7 6.2%

Loans-to-Deposit Ratio 95.3 90.6 4.7% 92.2 94.2 95.3 1.1%

Cost to Income Ratio1 47.9 48.3 (0.4)% 49.7 49.2 45.1 (4.1)%

Asset Quality

Gross Impaired Loans Ratio 1.54 1.65 (11) bps 1.50 1.56 1.54 (2) bps

Net Impaired Loans Ratio 1.14 1.13 1 bps 1.06 1.15 1.14 (1) bps

Loans Loss Coverage 85.4 95.4 (10.0)% 93.5 83.4 85.4 2.0%

Net Charge off rate (bps) (40) (16) (24) bps (24) (29) (65) (36) bps

Capital Adequacy (Group)²

CET1 Capital Ratio 11.273 11.33 (6) Bps 11.15 11.48 11.273 (21) Bps

Total Capital Ratio 15.103 16.08 (98) bps 15.35 15.54 15.103 (44) bps

¹ Total cost excludes amortisation of intangibles for BII and Kim Eng.

² The capital ratios are adjusted based on the assumption of 85% reinvestment rate under DRP of the respective proposed dividend, except for 2Q FY2015, which are based on

80% reinvestment rate. 3 Adjusted based on acceptance rate of 87.43%.

60

Group Gross Loans by quarter


²Takes into account others portion - Sep 15: RM0; Jun 15: RM15 million; Mar 15: RM7 million; Dec 14: RM7 million

³ Normalised loan growth as at 31 Mar 2015, 30 Jun 2015 & 30 Sept 2015, prior to a transfer of SGD 2.2 billion from GB to CFS for Business

Banking segment due to realignment to the Group Customer Segmentation

31 Dec 2014 31 Mar 2015 30 Jun 2015 30 Sep 2015 QoQ

Group Gross Loans¹ 410.5 419.0 433.3 465.3 7.4%

Malaysia (RM billion) ² 243.6 245.9 248.8 255.3 2.6%

Community Financial Services 168.8 171.8 175.3 179.1 2.2%

Global Banking 74.8 74.1 73.4 76.1 3.7%

International (RM billion) 162.4 167.0 178.7 204.4 14.4%

Singapore (SGD billion) 35.1 35.0 36.6 38.1 4.2%

Community Financial Services (reported) 14.8 17.7 19.1 19.9 4.1%

Community Financial Services (normalised) 14.8 15.5³ 16.8³ 17.4³ 3.8%

Global Banking (reported) 20.1 17.0 17.2 18.0 4.4%

Global Banking (normalised) 20.1 19.2³ 19.4³ 20.3³ 4.6%

Others 0.3 0.3 0.3 0.3 5.9%

Indonesia (Rupiah trillion) 109.3 110.7 111.4 114.2 2.4%


Global Banking 24.9 24.7 22.2 23.9 7.9%

Others 0.3 0.4 0.3 0.3 1.4%

Other markets (RM billion) 38.8 41.3 44.6 52.3 17.2%

Philippines 3.8 4.1 4.4 5.2 17.1%

Indo China 1.7 1.7 1.9 2.5 31.8%

Greater China 16.0 16.6 17.4 20.2 16.3%

Others 17.3 18.9 20.9 24.3 16.6%

Investment banking (RM billion) 4.4 6.1 5.8 5.6 (3.2)%

61

RM billion 31 Dec 2014 31 Mar 2015 30 Jun 2015 30 Sep 2015 QoQ


Consumer 135.7 138.9 141.4 144.0 1.9%

Total Mortgage 60.9 62.8 65.1 67.1 3.1%

Auto Finance 38.6 39.7 40.4 40.8 1.2%

Credit Cards 5.8 6.0 6.0 6.0 1.2%

Unit Trust 28.3 28.3 27.7 27.8 0.2%

Other Retail Loans 2.1 2.1 2.3 2.3 0.5%

Business Banking + SME 33.1 33.0 33.9 35.1 3.4%

Business Banking + SME (Re-based¹) 31.9 33.0 33.9 35.1 3.4%

SME 7.5 7.9 8.9 9.6 8.1%

Business Banking 25.5 25.1 25.1 25.5 1.8%

Global Banking (Corporate) 74.8 74.1 73.4 76.1 3.7%

Total Malaysia² 243.6 245.9 248.8 255.3 2.6%

Malaysia Gross Loans by quarter

¹ Re-based loan growth figures are based on adjusted 31 Dec 2014 position in line with migration of client accounts, implemented on 1 Jan 2015.

² Including Islamic loans sold to Cagamas and excludes unwinding of interest and takes into accounts others portion – Sep 15: RM0; Jun 15: RM15 million; Mar 15: RM7 million;

Dec 14: RM7 million

62

Group Gross Deposit by quarter

31 Dec 2014 31 Mar 2015 30 Jun 2015 30 Sep 2015 QoQ

Group Gross Deposits 439.6 447.1 453.5 481.0 6.1%

Malaysia (RM billion) 278.3 278.6 285.4 286.9 0.5%

Savings Deposits 38.5 39.7 40.3 40.3 0.2%

Current Accounts 72.8 74.9 72.5 77.5 6.9%

Fixed Deposits 140.8 143.6 155.2 154.1 (0.7)%

Others 26.2 20.3 17.4 14.9 (14.5)%

International 162.9 170.0 169.6 195.5 15.3%

Singapore (SGD billion) 39.6 39.2 39.0 39.8 2.1%

Savings Deposits 4.5 4.3 4.5 4.4 (2.3)%

Current Accounts 5.3 5.3 5.1 5.4 5.9%

Fixed Deposits 29.0 28.7 28.9 29.4 1.7%

Others 0.8 0.9 0.5 0.7 23.4%

Indonesia (Rupiah trillion) 102.8¹ 104.7 106.9 110.4 3.2%

Savings Deposits 23.5 23.7 24.0 25.2 5.0%

Current Accounts 16.3 17.3 18.4 18.3 (0.6)%

Fixed Deposits 62.4 63.7 64.5 66.9 3.7%

¹ Includes Others of Rupiah 0.6 trillion

63

Dato’ Mohamed Rafique Merican

Group Chief Financial Officer

Contact: (6)03-2074 7878

Email: [email protected]

MALAYAN BANKING BERHAD

14th Floor, Menara Maybank

100, Jalan Tun Perak

50050 Kuala Lumpur, Malaysia

Tel : (6)03-2070 8833

www.maybank.com

Narita Naziree

Head, Group Performance Reporting & Investor Relations

Contact: (6)03-2074 8017

Email: [email protected]

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

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