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54th Annual General Meeting Presentation to Shareholders

Tan Sri Dato’ Megat Zaharuddin

Chairman

7 April 2014

1 1

RM6.55 billion

We delivered another record performance:

+14.0%

Profit Attributable to Shareholders

Strong profit growth in Indonesia,

Investment Banking and Islamic Banking,

which are our priority areas.

2 2

Our capital base, which is in accordance

with Basel III standards, remained strong

with Common Equity Tier I Capital Ratio

at 11.25%.

10.97% 11.25%

2012 2013

Core Equity Tier 1 ratio

3 3

The building blocks to ensure that Maybank

is indeed a regional bank have been steadily

placed since the beginning of our

transformation journey five years ago.

2008-2011 Start Up, Create Momentum

2012 Converge on Shared Aspirations and Accelerate Performance

2013 – 2015: Transformation to the next level: Regionalisation

4 4

Our core values T.I.G.E.R. are our guiding

principles for all actions and a key driver for

Maybankers in delivering our humanising

mission.

5 5

Maybank’s industry-leading people practices are

nurturing our talents to excel as well as compete

effectively in a multitude of environments.

6 6

Through better discipline

and monitoring of our key

talent initiatives we have a

robust Talent Management

Framework with programmes

to leverage our deep bench

strength as well as to

continually unearth hidden

talents across the Group.

7 7

We invest substantially in our learning and

development programmes to equip our

talents with required capabilities and agilities

to deliver on Group's strategies.

RM118.87 million Spent on LEARNING & DEVELOPMENT PROGRAMMES

in 2013

8 8

Our strategic emphasis on the

talent agenda has delivered

significant value as well as

earned Maybank notable

recognition in our people

practices.

We were listed in the Towers

Watson Global High

Performing Company Norm

list, a first for an Asian

organisation, which serves as

a benchmark for high

performing companies.

9 9

For the third consecutive

year, we were voted as

the Most Preferred

Employer of Choice in the

Banking and Financial

Services in Malaysia's Top

100 Leading Graduate

Employer.

Maybank is also the 2nd

best graduate employer in

Malaysia of any industry.

10 10

Our marquee graduate

programme, Global

Maybank Apprentice

Programme (GMAP) was

also voted as the best

management trainee

programme in the Banking

and Financial Services

industry.

TO BE UPDATED

11 11

With staff engagement levels remaining very high, comparable

to the world best-in-class, we will stay focused on raising

personnel productivity, which will be supported by the

implementation of our new region-wide IT systems.

We are utilising IT

solutions to improve

customer experience

by keeping our

customers constantly

connected

12 12

Technology-driven initiatives implemented in 2013

Greater customer

convenience and superior experience

Global Treasury Risk

Management System

Web-based Regional Cash Management

platform

Regional Branch Solution

13 13

Productivities in our

Malaysian operations have

been growing.

Our wide reach across the

country enabled us to

pursue our policy for

inclusiveness of all our

communities.

And allowed us to bring

our creativity and

innovativeness to a large

customer base.

351.5 388.1

2012 2013

Net income per employee (RM ‘000)

167.1 185.7

2012 2013

Profit Before Tax per employee (RM ‘000)

+10.4%

+11.1%

14 14

Our Corporate Responsibility conviction has found its

embodiment in our mission to humanise financial

services across Asia

71%

29%

RM66 million

Maybank

Maybank Foundation

Corporate Responsibility

15 15

Five Key Areas

CR

Education Community

Empowerment Healthy Living

Environmental Conservation

Arts, Culture & Heritage

16 16

Education: Promoting Excellence

Maybank Scholarship Awards & BII-Maybank

Foundation Scholarship

85 recipients

Financial literacy: CashVille Kidz Malaysia’s 1st Financial Literacy animated series

> 1.5 million viewers

Promoting Educational Excellence

in Rural Schools (PEERS) Benefiting > 4800 students and 400

teachers

17 17

Community: The Bank with a Heart

Cahaya Kasih employee volunteerism programme,

23,000 Maybankers

119,000 volunteerism hours;>100 initiatives

Microfinancing

> 5,000 women

More than RM1 mil spent for

Disaster Relief Efforts

18 18

Healthy Living: Nurturing Wellness

Liver Transplant

RM6.2 million spent to subsidise cost of operations

60 underprivileged patients

IJN’s Regional Paediatric Heart Centre – RM1.7 mil to be spent on

subsidising cardiac medical care for young children

19 19

Environment: Going Green

Environmental Preservation

& Wildlife Conservation

20 20

Arts, Culture & Heritage

Public exhibitions to promote artistic talents: 24 disabled artists

Maybank Photography Awards

A record of 67,000 submissions from across ASEAN

21 21

We have maintained our position as

Malaysia's most valuable company in terms

of market capitalisation

38.6 48.0

54.6 55.4 57.2 58.9 58.9 64.2 67.9

88.1

Digi Pet Gas Maxis PetChem

SimeDarby

CIMB Axiata TenagaNasional

PublicBank

Maybank

Bursa Malaysia Top 10 market capitalisation

(RM billion)

22 22

Maybank recorded Earnings per Share of 75.8 sen

in financial year 2013 which was 4.3% higher

than the previous year.

72.3 75.8

2012 2013

Earnings Per Share (sen)

+4.3%

23 23

Full year net dividend of 53.5 sen per share

consisting of final net dividend of 31 sen per share

and interim net dividend of 22.5 sen per share which

is 1.9% higher than the previous year.

24.0 22.5

28.5 31.0

2012 2013

Net Dividend per share (sen)

52.5 53.5

+1.9%

24 24

In absolute amount, we are paying a full year

net dividend of RM4.71 billion, which is 9.8%

higher than the RM4.29 billion paid out the

previous year.

4.29 4.71

2012 2013

Total Net Dividend (RM billion)

+9.8%

25 25

We will continue our

dividend reinvestment

programme, which will

strengthen our

financial foundations

even further, and as a

reward to those who

re-invested in the

Company.

www.maybank.com/drp

26 26

New management appointments

27 27

Datuk Abdul Farid Alias replaced Dato’ Sri

Wahid as the new Group President and CEO

to ensure continuity and accelerate our

regional strategy.

28 28

Mr Taswin Zakaria, appointed as

President Director, Bank Internasional

Indonesia since March 2014.

Encik Kamaludin Ahmad, appointed

Chief Executive Officer of Maybank

Ageas Holdings Bhd from December

2013.

John Chong, formerly Deputy CEO of

Maybank Investment Bank, appointed

as CEO, Maybank Investment Bank and

Maybank Kim Eng Group in February

2014.

29 29

We expect better opportunities in 2014 as the growth

outlook for advanced economies improve.

We aim to remain agile to the situation, and capture

new value creation opportunities given our solid

financial base, range of business and a varied regional

customer base.

30 30

The support of our stakeholders as we move forward

is much appreciated, and once again, on behalf of the

Board, I would like to thank you all.

31 31

THANK YOU

54th Annual General Meeting Presentation to Shareholders