Analyst Presentation 4Q FY2014 - maybank.comInvestor Presentation Financial Results First Quarter FY2016 ended 31 March 2016 27 May 2016 Humanising Financial Services . 1 Table of

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Investor Presentation

Financial Results First Quarter FY2016 ended 31 March 2016

27 May 2016

Humanising Financial Services

1

Table of Contents

Financial Results: 1Q FY2016 ended 31 March 2016

Executive Summary 2

Results Overview 5

Prospects & Outlook 23

Appendix :

1. Financial Performance 26

2. Community Financial Services 34

3. Global Banking 39

4. Maybank Singapore 44

5. Maybank Indonesia 48

6. Other Segments 53

7. Affiliates 58

2

Franchise-led growth

1Q FY2016 Performance Update Net operating income growth of 8.1% YoY to RM 5.39 billion with net profit of RM 1.43 billion

• Higher net fund based income of 11.9% YoY as:

o Group loans grew 5.6% led by retail franchise growth in our home markets

o Improved net interest margin of 2.34%

• PPOP growth of 10.9% YoY to RM2.77 billion driven by strong income growth of

8.1% and lower cost growth of 5.3%

1

• In line with funding-led growth strategy, Group deposit grew 1.2% (normalised)

vs lower Group loans base of -1.5% (normalised) as at 31 Mar 2016

• As such, Group LDR continued to improve to 89.9%

• Group LCR of 141% as at Mar 2016

Managed balance sheet

growth (QoQ)

2

• Improved CIR of 48.4% for 1Q FY2016 from 49.7% a year ago

• Positive JAWS position as income growth outpaced overheads growth, compared

to the negative JAWS position in the corresponding quarter one year ago

Strategic Cost

Management

3

• Group GIL ratio at 2.11% while Group NPL ratio was 1.39% as at Mar 2016

• Increased provisioning cost with net credit charge off rate at 75 bps Asset Quality

4

• Total capital ratio at 17.63%* and CET1 capital ratio at 12.74%* as at Mar 2016 Strong Capital 5

*After proposed dividend and assumption of 85% reinvestment rate. Fully loaded Group CET1 capital ratio is 12.37%

3

1Q FY2016 Key Performance Indicators Review Funding-led growth to drive selective lending in home markets for coming quarters

Notes:

¹Normalised to exclude the conversion effects for Singapore, Indonesia, Philippines, Greater China and Labuan (USD)

²In local currency terms

³ Absolute amount in respective home currencies (RM, SGD and IDR) with Group amount reported in RM.

⁴Indonesia loans amount is in trillions.

Key Performance

Indicators

FY2016

Guidance

QoQ Annualised YoY

31 Mar

2016

(billion)³

31 Dec

2015

(billion)³

Maybank

Achievement

(1Q FY2016)

Maybank

Achievement

(1Q FY2016)

Maybank

Achievement

(1Q FY2016)

Headline KPI

Return on Equity 11%-12% - - - 9.3% -

Other Guidance

Group Loans Growth

(reported) 8%-9% 442.4 459.8 (3.8)% (15.1)% 5.6%

Group Loans Growth

(normalised)¹ - - - (1.5)% (6.2)% 3.0%

• Malaysia² 6%-7% 253.6 256.5 (1.1)% (4.5)% 3.1%

• Singapore² 3%-4% 36.7 37.2 (1.3)% (5.3)% 4.9%

• Indonesia² 11%- 13% 114.6⁴ 114.8⁴ (0.2)% (0.7)% 3.5%

Group Deposits Growth

(reported) 10%-11% 491.5 495.8 (0.9)% (3.5)% 9.9%

Group Deposits Growth

(normalised)¹ - - - 1.2% 4.9% 7.3%

4 Financial Results: 1Q FY2016 ended 31 March 2016

Table of Contents

Executive Summary 2

Results Overview 5


Appendix :







7. Affiliates 58

5

P&L Summary: 1Q FY2016 PPOP rose 10.9% YoY, on higher income growth of 8.1% and managed cost growth of 5.3%

¹Pre-provisioning operating profit (PPOP) is equivalent to operating profit before impairment losses

* From consolidated Group numbers, Insurance and Takaful accounts for 6.1% of net fund based income and 6.5% of net fee-based income

More

details

on RM million 1Q FY2016 1Q FY2015 YoY 4Q FY2015 QoQ

s.7 Net fund based income * 3,823.1 3,415.4 11.9% 3,773.5 1.3%

s.7 Net fee based income * 1,568.7 1,572.1 (0.2)% 1,841.2 (14.8)%

s.6 Net operating income 5,391.8 4,987.5 8.1% 5,614.8 (4.0)%

s.13 Overhead expenses (2,620.2) (2,489.3) 5.3% (2,775.7) (5.6)%

s.6 Pre-provisioning operating profit(PPOP) ¹ 2,771.6 2,498.2 10.9% 2,839.1 (2.4)%

Net impairment losses (878.4) (298.6) 194.1% (521.9) 68.3%

Operating profit 1,893.2 2,199.6 (13.9)% 2,317.1 (18.3)%

Profit before taxation and zakat (PBT) 1,931.3 2,242.0 (13.9)% 2,376.1 (18.7)%

Profit attributable to equity holders of the

Bank (Net Profit) 1,426.8 1,700.4 (16.1)% 1,652.1 (13.6)%

EPS - Basic (sen) 14.6 18.3 (19.9)% 17.1 (14.3)%

6

Group Global Banking (GB)

4,988

2,778

1,760

318 38 308

5,392

3,123

2,186

376 1

334

Total Group CommunityFinancial Services

Group CorporateBanking & Global

Markets

Group InvestmentBanking

Group AssetManagement

Group Insurance &Takaful

1Q FY2015

1Q FY2016Group Global Banking (GB)

2,498

1,166 1,342

63 5 137

2,772

1,416

1,734

100 -25 176



Markets




1Q FY2015

1Q FY2016

Franchise-Led Growth PPOP growth of 10.9% supported by strong growth in Group Global Banking and Group Community Financial Services

Note: Net income & PPOP for group includes expenditures of “Head Office & Others” of RM214.9 million for 1Q FY2015 and RM629.2 million for 1Q FY2016.

Net Operating Income

RM

million

+8.1%

RM

million

+21.1%

PPOP

+28.3%

+12.4% +24.2% +18.1% +8.4% -96.4%

+10.9%

+21.4% +29.2% +58.4% +28.5% -602.3%

7

3,416

2,047

1,180

48 0 230

3,823

2,411

1,244

71 -1 236



Markets




1Q FY2015

1Q FY2016

Franchise-Led Growth Net fund based growth of 11.9% mainly driven by growth in Group Community Financial Services (CFS)

Note: Net fund based income includes expenditures of “Head Office & Others” of RM88.9 million for 1Q FY2015 and RM137.8 million for 1Q FY2016.

Net fee based income includes expenditures of “Head Office & Others” of RM125.9 million for 1Q FY2015 and RM491.3 million for 1Q FY2016.

Net Fund Based Income

1,572

731 581

270

38 78

1,569

713

942

305

3 98



Markets




1Q FY2015

1Q FY2016



Net Fee Based Income

RM

million

RM

million

+7.0%

+40.6%

+11.9%

+17.8% +5.5% +47.6% +2.7% -866.7%

-0.2%

-2.6% +62.3% +12.8% +25.3% -92.5%

8

104.7 115.2

Mar 15 Mar 16

39.2 45.8

Mar 15 Mar 16

Funding-Led Growth (YoY) Group loans grew 5.6% YoY driven by CFS franchise growth in home markets and supported by strong funding growth

245.9 253.6

Mar 15 Mar 16

35.0 36.7

Mar 15 Mar 16

110.7 114.6

Mar 15 Mar 16

Group Loans Malaysia Singapore Indonesia

+ 3.1% YoY + 4.9% YoY + 3.5% YoY + 5.6% YoY

278.6 294.1

Mar 15 Mar 16

Group Deposits Malaysia Singapore Indonesia

+ 5.6% YoY + 16.7% YoY + 10.0% YoY + 9.9% YoY

419.0 442.4

Mar 15 Mar 16

447.1 491.5

Mar 15 Mar 16

RM

billion

RM

billion

RM

billion

SG

D b

illion

IDR

tri

llio

n

RM

billion

SG

D b

illion

IDR

tri

llio

n

9

Funding-Led Growth (QoQ) Deposit growth to lead selective loan growth in home markets for 2016

256.5 253.6

Dec 15 Mar 16

37.2 36.7

Dec 15 Mar 16

114.8 114.6

Dec 15 Mar 16

Group Loans Malaysia Singapore Indonesia

- 1.1% QoQ - 1.3% QoQ - 0.2% QoQ - 3.8% QoQ

43.6 45.8

Dec 15 Mar 16

115.9 115.2

Dec 15 Mar 16

Group Deposits Malaysia Singapore Indonesia

+ 0.6% QoQ + 4.8% QoQ - 0.6% QoQ - 0.9% QoQ

- 1.5% QoQ (normalised)

+ 1.2% QoQ (normalised)

459.8 442.4

Dec 15 Mar 16

495.8 491.5

Dec 15 Mar 16

292.2 294.1

Dec 15 Mar 16

RM

billion

RM

billion

RM

billion

SG

D b

illion

IDR

tri

llio

n

RM

billion

SG

D b

illion

IDR

tri

llio

n

10

Franchise-Led Growth Net interest margin improved 5bps QoQ to 2.34%

2.26

2.28

2.38

2.29

2.34

1Q '15 2Q '15 3Q '15 4Q '15 1Q '16

Net Interest Margin

11

93.5% 95.4% 96.6% 92.7%* 89.9%*

35.4% 34.9% 35.3% 33.7% 33.3%

Mar 15 Jun 15 Sep 15 Dec 15 Mar 16

LDR CASA

Strong Liquidity Continued improvement in Group LDR, on the back of funding-led growth in Malaysia and Singapore

Singapore Indonesia

Group Malaysia

93.0% 92.1% 93.4% 92.3%* 90.2%*

41.2% 39.6% 41.1% 37.1% 36.9%


106.3% 104.8% 104.0% 99.6% 100.1%

39.2% 39.7% 39.4% 36.0% 37.7%

91.9% 89.7% 90.0% 86.1% 87.6%


LDR (Bank Level)

89.3% 93.7% 95.7% 85.3% 80.3%

24.5% 24.6% 24.6% 21.2% 20.4%


Note: LDR is based on gross loans over customer deposits, a methodology adopted by Maybank effective January 2016

*Includes investment accounts totaling RM25.07 billion for 31 Mar 2016 and RM17.66 billion for 31 Dec 2015, captured under Maybank Group’s management

reporting of total deposits

12

Strong Liquidity Group LCR well above Bank Negara minimum

Objective

Short-term resilience – Adequate level

of high-quality liquid assets to meet

liquidity need for next 30 days under

significant stress scenario

Stock of high quality liquid assets

Net cash outflows over 30-day period

Ratio

BNM Minimum

Requirement

Year LCR

1 Jun 2015 60%

1 Jan 2016 70%

1 Jan 2017 80%

1 Jan 2018 90%

1 Jan 2019 &

thereafter 100%

148 141

Dec 15 Mar 16

Group Liquidity Coverage Ratio (%)

Liquidity Coverage Ratio

BNM min

requirement

of 70%

13

Strategic Cost Management Positive JAWS due to lower overheads growth of 5.3% YoY vs income growth of 8.1% YoY

(RM’ mil) 1Q FY2016 1Q FY2015

YoY

4Q FY2015 QoQ

Personnel Costs 1,414.1 1,419.4 (0.4)% 1,586.7 (10.9)%

Establishment Costs 475.9 378.3 25.8% 509.8 (6.7)%

Marketing Expenses 140.0 171.3 (18.3)% 111.3 25.8%

Administration & General

Expenses 590.2 520.3 13.4% 568.0 3.9%

Total 2,620.2 2,489.3 5.3% 2,775.7 (5.6)%

% 1Q FY2016 1Q FY2015 YoY 4Q FY2015 QoQ

Total Cost to Income¹ 48.4 49.7 (1.3) 49.3 (0.9)

Group JAWS Position 2.8 1.6

Group overheads composition

¹ Total cost excludes amortisation of intangible assets for Maybank Indonesia and Maybank Kim Eng

14

93.5% 83.4% 85.4% 72.0% 70.1%

Loan loss coverage

*Loan loss coverage including Regulatory Reserve is 75.6%

248.0

300.9

667.9

466.7

865.1

1Q FY2015 2Q FY2015 3Q FY2015 4Q FY2015 1Q FY2016

Allowances for losses on loans

Asset Quality Higher Group GIL of 2.11% as at end March 2016 with loan loss coverage of 70.1%

Allowance for losses on loans

RM

million

0.99 0.97 1.13 1.04 1.06 1.15 1.14 1.38

1.64

1.52 1.50 1.65

1.52 1.50 1.56 1.54

1.86 2.11

Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016

Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%)

*Bursa Malaysia financial statements for 1Q FY2016 reflects NIL ratio less MIB Investment Accounts of

RM22.48 bil

Group Impaired Loans Ratio

0.72% 0.74% 0.69% 0.61% 0.67% 0.70% 0.73% 0.81% 0.98%

1.14% 1.17% 1.11% 1.00% 1.01% 1.04% 1.05%

1.15%

1.39%

Mar 2014 Jun 2014 Sept 2014 Dec 2014 Mar 2015 Jun 2015 Sept 2015 Dec 2015 Mar 2016

Gross NPL ratio Net NPL ratio

Group Non-Performing Loans (NPL) Ratio

15


Gross Impaired Loans Ratio (%)

Net Impaired Loans Ratio (%)

3.49

4.50 4.54

4.15 4.21*

2.78

3.55 3.36 3.25 3.30*


1.75

1.62 1.63

1.76 1.83

1.23 1.18

1.25 1.36

1.45


Asset Quality by Market GIL ratio uptick in Singapore due to identified accounts

Malaysia Singapore Indonesia

*Maybank Indonesia’s reported gross NPL was 3.7% and net NPL was 2.5%. The difference in Maybank Indonesia’s GIL ratio and NIL ratio on Pages 14 & 49 are due to computation

differences owing to classification to meet the respective local regulatory reporting requirements.

0.24 0.33 0.34 0.33 1.08

0.30 0.41 0.41 0.45

1.28

16

Asset Quality: Malaysia Stable asset quality for consumer and business portfolios, with slight uptick in Corporate Banking

Mortgage Auto Finance Credit Cards

Retail SME Business Banking Corporate Banking

Consumer

Business

Note:

As at Dec 2015, industry GIL for BB and Corporate Banking are proxy figures based on total industry GIL after deducting Consumer and SME GIL

0.6% 0.5%

0.6%

1.1%

Mar 2015 Dec 2015 Mar 2016 Industry

0.5% 0.5% 0.5%

1.0%


0.8% 0.8% 0.9%

1.4%


2.3%

2.0% 2.0%

2.5%


9.6% 10.0% 9.6%

2.1%


1.3% 1.5%

1.8%

2.1%


17

Asset Quality: Singapore Stable consumer portfolio, but uptick in GIL ratios for business segments in line with weaker operating environment

Mortgage Auto Finance Credit Cards

Retail SME Business Banking Corporate Banking

Consumer

Business

Note:

Industry GIL figure is only available for mortgage, which was 0.4% as at March 2016

0.4

0.5 0.5

Mar 2015 Dec 2015 Mar 2016

0.2

0.3 0.3

Mar 2015 Dec 2015 Mar 2016

1.7

2.7 2.5

Mar 2015 Dec 2015 Mar 2016

0.6

1.2

1.3

Mar 2015 Dec 2015 Mar 2016

0.3

0.6

1.7

Mar 2015 Dec 2015 Mar 2016

0.2 0.4

2.0

Mar 2015 Dec 2015 Mar 2016

18

Asset Quality: Indonesia Stable asset quality in consumer and business portfolios QoQ, with slight uptick in mortgage portfolio

Consumer

Business

Note:

Business Banking includes SME loans.

Auto Finance Credit Cards

Business Banking Corporate Banking

0.7% 0.6%

0.9%

Mar 2015 Dec 2015 Mar 2016

1.0% 1.0% 1.1%

Mar 2015 Dec 2015 Mar 2016

2.3% 2.5%

2.3%

Mar 2015 Dec 2015 Mar 2016

1.7%

1.4% 1.5%

Mar 2015 Dec 2015 Mar 2016

1.5%

1.2% 1.2%

Mar 2015 Dec 2015 Mar 2016

11.2%

14.9% 14.5%

Mar 2015 Dec 2015 Mar 2016

Mortgage

SME

19

1.79% 1.62%

Dec 2015 Mar 2016

Metals & Mining

Commodities Exposure (1/2) Total loan exposure for three home markets lower QoQ at 5.24% from 5.87%

1.14% 1.13%

Dec 2015 Mar 2016

1.96%

1.52%

Dec 2015 Mar 2016

1.52% 1.34%

Dec 2015 Mar 2016

Energy

2.59%

2.15%

Dec 2015 Mar 2016

1.49% 1.47%

Dec 2015 Mar 2016

Agriculture

Notes:

Group exposure is for three home markets Malaysia, Singapore and Indonesia, based on Group gross loans as at end March 2016 and end Dec 2015

Agriculture producers and manufacturers are for rubber, oil palm and cocoa sectors

Energy producers and manufacturers include loan exposure to crude oil, natural gas, electricity, steam and nuclear fuel, solid, liquid and gaseous fuels as well as IPPs

Metals and mining producers and manufacturers are for coal, lignite, peat, metal ores, tin, iron, steel and non-ferrous metal sectors

Malaysia

Group

20

0.02%

0.03%

Dec 2015 Mar 2016

0.22% 0.23%

Dec 2015 Mar 2016

Agriculture Energy Metals & Mining

Notes:

Agriculture producers and manufacturers are for rubber, oil palm and cocoa sectors

Energy producers and manufacturers include loan exposure to crude oil, natural gas, electricity, steam and nuclear fuel, solid, liquid and gaseous fuels as well as IPPs

Metals and mining producers and manufacturers are for coal, lignite, peat, metal ores, tin, iron, steel and non-ferrous metal sectors

Commodities Exposure (2/2) Stable commodity loan exposure QoQ for Singapore and Indonesia

0.26% 0.25%

Dec 2015 Mar 2016

0.41% 0.40%

Dec 2015 Mar 2016

0.26% 0.26%

Dec 2015 Mar 2016

0.09% 0.09%

Dec 2015 Mar 2016

Indonesia

Singapore

21

13.00% 12.74% 12.67% 12.53%

14.72% 14.47% 14.39% 14.22%

17.88% 17.63% 17.55% 17.49%

March 16 March 16 March 16 Dec 15

Total Capital Ratio Tier 1 Capital Ratio CET 1 Capital Ratio

Group

Bank

Before

proposed

dividend

After proposed

dividend,

assuming 85%

reinvestment

rate

After proposed

dividend, based on

BNM’s

Implementation

Guideline *

14.96% 14.59% 14.49% 15.43%

17.37% 17.00% 16.90% 17.62%

17.87% 17.51% 17.40% 17.62%

March 16 March 16 March 16 Dec 15

Total Capital Ratio Tier 1 Capital CET1 Capital Ratio

Note:

• Based on 85% reinvestment rate under the DRP, the fully loaded CET1 Ratio would be at 12.37% (Group) and 11.28% (Bank) respectively.

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

After proposed

dividend,

assuming 85%

reinvestment

rate

Strong Capital Position Total capital ratio at 17.63% (assuming 85% dividend reinvestment rate) and CET1 at 12.74%


Table of Contents

Executive Summary 2

Results Overview 5


Appendix :







7. Affiliates 58

23

Market Outlook 2016 outlook for our home markets

Key Indicators Outlook

Singapore

Malaysia

Indonesia

• GDP (f) 4.3% (2015: 5.0%)

• System loan (f) 6.5%

• OPR(f) 3.00%-3.25% (2015: 3.25%)

• USD/MYR (f, end-period) 3.85 (2015: 4.29)

• Inflation (f) 2.7-3.2% (2015: 2.1%)

• GDP (f) 1.7% (2015: 2.0%)

• System loan (f) 1%-2%

• System deposit (f) 3%- 4%

• 3M SIBOR (f) 1.5% (2015: 1.1%)

• USD/SGD (f) 1.39 (2015: 1.42)

• Inflation (f) -0.4% (2015: -0.5%)

• GDP(f) 5.20% (2015: 4.79%)

• System loan (f): 12.11%

• System deposit (f): 8.43%

• Reference Rate (f) 6.25% (2015: 7.50%)

• USD/IDR average (f) 13095 (2015: 13458)

• Inflation average (f) 3.98% (2015: 6.38%)

• Government infrastructure spending to drive Indonesia’s

economic growth in 2016

• Increased funding following domestic economy recovery

• Rate cuts is expected to help increase demand for

credit, which in turn will stimulate Indonesia’s economic

growth

• Muted loan growth on slower regional and domestic

economic growth

• NIMs are likely to stay flat as uptick in rates may not be

as pronounced as it was in 2015

• Asset quality likely to deteriorate further as credit cycle

turns with new NPA formation

• Moderation in overall industry loan growth

• Competition for deposits to remain keen

• Credit cost uptick on growing NPLs

• Cost and capital management will remain key priorities

24

Maybank Performance Outlook Group performance in second quarter to be driven by selective asset growth

Remain focused on selective asset growth in line with capital position

Effective liquidity management

Improve productivity and manage discretionary spend

Downside risks include prolonged global macroeconomic headwinds

Credit cost expected to remain elevated

1

2

3

4

5


Table of Contents

Executive Summary 2

Results Overview 5


Appendix :







7. Affiliates 58

26

1,572 1,561

122

987

(1,098)

1,569 1,666

58

1,169

(1,324)

Total Other operating income Fee Income from IslamicOperations

Net Earned InsurancePremiums

Net Insurance Benefits &Claims Incurred, Net Fee &Commission Expenses andLife & Takaful Fund Tax

1Q FY2015

1Q FY2016

RM

million

RM million 1Q FY2016 1Q FY2015 YoY

Commission, service charges and fees 901 937 (3.9)%

Investment & Trading Income 235 238 (1.2)%

Unrealised gain/ (losses) on securities & derivatives 106 (113) 193.6%

Foreign Exchange Profit 326 423 (22.8)%

Other Income 99 76 30.5%

-52.9% +18.4% +20.6% -0.2% +6.8%

Net Fee Based Income: 1Q FY2016

27

Unaudited Income Statement for Insurance and Takaful Business

RM million 1Q FY2016 1Q FY2015 YoY 4Q FY2015 QoQ

Net interest income 233.0 228.1 2.2% 228.8 1.8%

Net earned insurance premiums 1,168.6 987.1 18.4% 1,150.7 1.6%

Other operating income 247.6 189.0 31.0% 185.8 33.2%

Total operating income 1,649.2 1,404.1 17.5% 1,565.4 5.4%

Net insurance benefits & claims incurred, net fee &

commission expenses and life & takaful fund tax (1,365.8) (1,124.8) 21.4% (1,115.5) 22.4%

Net operating income 283.4 279.3 1.5% 449.8 (37.0)%

Overhead expenses (160.7) (171.5) (6.3)% (121.2) 32.6%

PPOP 122.6 107.8 13.7% 328.6 (62.7)%

Net impairment losses (19.4) (58.0) (66.6)% (21.6) (10.4)%

Operating profit 103.3 49.8 107.3% 307.0 (66.4)%

RM million 1Q FY2016 1Q FY2015 YoY 4Q FY2015 QoQ

Net insurance benefits & claims incurred, net fee &

commission expenses and life & takaful fund tax (1,365.8) (1,124.8) 21.4% (1,115.5) 22.4%

Less: intercompany elimination 42.0 27.0 55.6% 41.7 1.0%

Total net insurance benefits & claims incurred, net

fee & commission expenses and life & takaful fund tax (1,323.8) (1,097.8) 20.6% (1,073.9) 23.3%

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

28

62.0% 15.8%

14.2%

8.0%

RM5.39b

66.9%

8.6%

9.3%

15.2%

Malaysia Singapore Indonesia Others

RM1.93b

59.1% 23.5%

7.6%

9.8%

RM419.0b

International & Malaysia Portfolio Mix 1Q FY2016

Overseas:

40.9%

1Q FY2015

Net Income Profit Before Tax

1Q FY2016

Overseas:

34.5%

Overseas:

29.5%

Gross loans*

(Jan 15 – Mar 15)

65.5%

15.5%

12.5%

6.5%

RM4.99b

58.0% 25.0%

7.7%

9.3%

RM442.4b

Overseas:

42.0%

Overseas:

38.0%

Overseas:

33.1%

(Jan 16 – Mar 16)

70.5%

12.4%

3.9%

13.2%

RM2.24b

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

29

Group Loans Growth: 31 Mar 2016

% of

Portfolio

31 Mar

2016

31 Dec

2015

YTD

Annualised

31 Mar

2015 YoY

Group Gross Loans ¹ - 442.4 459.8 (15.1)% 419.0 5.6%

Malaysia (RM billion) ² 57% 253.6 256.5 (4.5)% 245.9 3.1%

Community Financial Services ³ 73% 184.1 183.2 2.1% 171.8 7.1%

Global Banking ³ 27% 69.4 73.3 (21.3)% 74.1 (6.3)%

International (RM billion) 41% 181.9 196.2 (29.1)% 167.0 8.9%

Singapore (SGD billion) 59% 36.7 37.2 (5.3)% 35.0 4.9%

Community Financial Services 54% 19.9 20.2 (6.1)% 17.7 12.1%

Global Banking 45% 16.6 16.8 (4.2)% 17.0 (2.3)%

Others 1% 0.2 0.2 (18.1)% 0.3 (19.5)%

Indonesia (Rupiah trillion) 19% 114.6 114.8 (0.7)% 110.7 3.5%

Community Financial Services 81% 92.2 92.4 (0.9)% 85.6 7.7%

Global Banking 19% 22.0 22.0 0.2% 24.7 (11.0)%

Others 0% 0.3 0.4 (13.3)% 0.4 (2.0)%

Other markets (RM billion) 23% 41.4 47.4 (50.2)% 41.3 0.3%

Investment banking (RM billion) 2% 6.9 7.1 (9.4)% 6.1 13.5%

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

² Takes into account others portion - Mar 16: RM70 million vs Dec 15: -RM13 million vs Mar 15: RM7 million

³ Re-based loan growth figures are based on adjusted 31 December 2015 position in line with migration of client accounts, implemented on 1 January 2016

30

Malaysia Loans Growth: 31 Mar 2016

RM billion % of

Portfolio

31 Mar

2016

31 Dec

2015

YTD

Annualised

31 Mar

2015 YoY

Community Financial Services (reported) 73% 184.1 182.7 3.1% 171.8 7.1%

Community Financial Services (rebased) 73% 184.1 183.2 2.1% 171.8 7.1%

Consumer 58% 147.4 146.9 1.3% 138.9 6.1%

Total Mortgage 28% 70.7 69.2 8.8% 62.8 12.7%

Auto Finance 16% 40.6 40.8 (2.3)% 39.7 2.3%

Credit Cards 2% 6.2 6.4 (10.8)% 6.0 3.4%

Unit Trust 11% 27.4 28.1 (9.8)% 28.3 (3.1)%

Other Retail Loans 1% 2.4 2.4 8.7% 2.1 13.7%

Business Banking + SME (reported) 14% 36.8 35.8 10.4% 33.0 11.4%

Business Banking + SME (rebased) 14% 36.8 36.3 5.0% 33.0 11.4%

SME (reported) 4% 10.6 10.2 14.7% 7.9 33.6%

SME (rebased) 4% 10.6 9.9 27.3% 7.9 33.6%

Business Banking (reported) 10% 26.2 25.6 8.7% 25.1 4.4%

Business Banking (rebased) 10% 26.2 26.4 (3.4)% 25.1 4.4%

Global Banking (Corporate) (reported) 27% 69.4 73.8 (23.6)% 74.1 (6.3)%

Global Banking (Corporate) (rebased) 27% 69.4 73.3 (21.3)% 74.1 (6.3)%

Total Malaysia ² - 253.6 256.5 (4.5)% 245.9 3.1%

Re-based loan growth figures are based on adjusted 31 December 2015 position in line with migration of client accounts, implemented on 1 January 2016

² Including Islamic loans sold to Cagamas and excludes unwinding of interest and takes into account others portion - Mar’16: RM70 mil vs Dec’15: -RM13 mil vs Mar’15: RM7 mil

31

Group Deposit Growth: 31 Mar 2016

% of

Portfolio

31 Mar

2016

31 Dec

2015

YTD

Annualised

31 Mar

2015 YoY

Group Gross Deposits - 491.5 495.8 (3.5)% 447.1 9.9%

Malaysia (RM billion) 60% 294.1 292.2 2.6% 278.6 5.6%

Savings Deposits 14% 41.4 40.0 13.6% 39.7 4.3%

Current Accounts 25% 74.3 74.2 0.8% 74.9 (0.8)%

Fixed Deposits 56% 163.5 163.0 1.0% 143.6 13.8%

Others 5% 14.9 15.0 (0.9)% 20.3 (26.5)%

International 40% 198.9 205.1 (12.1)% 170.0 17.0%

Singapore (SGD billion) 67% 45.8 43.6 19.4% 39.2 16.7%

Savings Deposits 9% 4.3 4.3 (0.9)% 4.3 (0.8)%


Fixed Deposits 77% 35.4 33.6 21.4% 28.7 23.2%

Others 2% 1.0 0.8 117.1% 0.9 15.9%

Indonesia (Rupiah trillion) 17% 115.2 115.9 (2.6)% 104.7 10.0%

Savings Deposits 23% 26.1 25.6 7.7% 23.7 10.1%


Fixed Deposits 62% 71.9 74.2 (12.1)% 63.7 12.9%

32

Key Operating Ratios

¹ Total cost excludes amortisation of intangibles for Maybank Indonesia and Maybank Kim Eng

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

(%) 1Q FY2016 1Q FY2015 Variance

YoY

Variance

QoQ 4Q FY2015

Return on Equity 9.3 12.8 (3.5)% (2.5)% 11.8

Net Interest Margin 2.34 2.26 8 bps 5 bps 2.29

Fee to Income Ratio 29.1 31.5 (2.4)% (3.7)% 32.8

Gross Loans-to-Deposit Ratio 89.9 93.5 (3.6)% (2.8)% 92.7

Cost to Income Ratio¹ 48.4 49.7 (1.3)% (0.9)% 49.3

Asset Quality

Gross Impaired Loans Ratio 2.11 1.5 61 bps 25 bps 1.86

Net Impaired Loans Ratio 1.64 1.06 58 bps 26 bps 1.38

Loans Loss Coverage 70.1 93.5 (23.4)% (1.9)% 72.0

Net Charge off rate (bps) (75) (24) (51 bps) (30 bps) (45)

Capital Adequacy (Group)²

CET1 Capital Ratio 12.74 11.15 159 bps 21 bps 12.53

Total Capital Ratio 17.63 15.35 228 bps 14 bps 17.49


Table of Contents

Executive Summary 2

Results Overview 5


Appendix :







7. Affiliates 58

34

Community Financial Services: Overview of Market Share for Malaysia

Loans

Total Consumer (Household) 17.4% 17.4% 17.5% 17.5% 17.4% 0.0 2

Auto (Purchase of Transport Vehicles) 23.4% 23.6% 23.7% 23.7% 23.7% 0.0 2

Total Mortgage* 13.1% 13.2% 13.3% 13.4% 13.4% 0.0 2

Credit Cards** 16.6% 16.9% 17.1% 17.5% 17.5% 0.0 2

Unit Trust 51.7% 51.4% 51.7% 51.6% 52.3% 0.0 1

Deposits

Total Deposits 18.6% 18.8% 18.0% 18.3% 18.0% 0.0 1

Total Core Retail Deposits 19.3% 19.4% 19.6% 20.2% 20.3% 0.0 2

Retail CASA 25.3% 25.3% 25.7% 25.6% 26.0% 0.0 1

- Retail Savings 30.1% 30.8% 30.8% 30.8% 31.0% 0.0 1

Retail Fixed Deposits (FD) 16.1% 16.2% 16.4% 17.4% 17.4% 0.0 2

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

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

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

Dec-15

vs

Mar-16

Market Share

Market Share Jun-15

Sep-15

Sep-15

Dec-15

Market

Position

Dec-15

vs

Mar-16

Market

PositionMar-15

Mar-15

Jun-15

Dec-15

Mar-16

Mar-16

^Market share as per Dec’15.

^^ Total Bank Deposits inclusive of IA.

* Refers to housing and shophouse loans

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

^

^

^

^^ ^^

35

Community Financial Services: Overview of Malaysia Loans Portfolio

138.9 146.9 147.4

90.0

100.0

110.0

120.0

130.0

140.0

150.0

160.0

1Q 2015 4Q 2015 1Q 2016

33.0 35.8 36.8

(2.0)

8.0

18.0

28.0

38.0

1Q 2015 4Q 2015 1Q 2016

153.5 169.6 173.8

6.70

7.20 7.14

6.20

6.70

7.20

7.70

8.20

8.70

0.0

50.0

100.0

150.0

1Q 2015 4Q 2015 1Q 2016

TFA RM'b Product per customer

Mass Customer cross sell ratio improved to 3.21 Business Banking + SME loans grew by 10.4% (ann.) to

RM36.8 billion led by SME growth of 14.7%

+11.4% YoY

+6.1% YoY

Consumer loans grew 1.3% (ann.) to RM147.4 billion

led by mortgage growth of 8.8%

HNW and Affluent Customer TFA grew 13.2% YoY

+13.2% YoY

+2.5% QoQ

107.4 104.0 103.3

3.15 3.20 3.21

3

3.5

80.0

100.0

120.0

1Q 2015 4Q 2015 1Q 2016

TFA RM'b Product per customer

-3.8% YoY

-0.7% QoQ

• Re-based SME loan growth at 27.3% (ann.)

• 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)

+1.3% YTD Ann.

+10.4% YTD Ann.

RM

billion

RM

billion

RM

billion

RM

billion

36

Community Financial Services: Overview of Malaysia Deposits Portfolio

70.6 77.9 76.8

0.0

20.0

40.0

60.0

80.0

100.0

120.0

140.0

1Q 2015 4Q 2015 1Q 2016

190.0 206.3 208.1

- 20.0 40.0 60.0 80.0

100.0 120.0 140.0 160.0 180.0 200.0 220.0

1Q 2015 4Q 2015 1Q 2016

119.4

128.2 131.3

100.0

120.0

140.0

1Q 2015 4Q 2015 1Q 2016

CFS Deposits grew 3.4% (ann.) to RM208.1 billion Consumer Deposits grew 10.2% (ann.), ahead of industry

growth for the quarter

Total Business Banking + SME Deposits of RM76.8

billion as at 31 March 2016

+9.5% YoY

+8.8% YoY

+10.0% YoY

CFS deposits grew 3.4% on an annualised basis, on

the back of strong consumer growth of 10.2%.

Consumer deposits grew 10.0% YoY, as CASA

increased by 13.2% and fixed deposits grew by

7.9%.

The encouraging deposits growth above industry,

led to improved retail deposits market share of

20.3% as at March 2016.

+3.4% YTD Ann.

-5.6% YTD Ann.

+10.2% YTD Ann.

RM

billion

RM

billion

RM

billion

37

Community Financial Services: Overview of CFS Malaysia Asset Quality

2,585

2,752 2,707

7.9% 7.7% 7.4%

2.3% 2.0% 2.0% 0.0% 2,000

2,500

3,000

1Q 2015 4Q 2015 1Q 2016

GIL % for SME & BB GIL % for SME

749

670 708

0.5% 0.5% 0.5%

0.10%

0.30%

0.50%

0.70%

0.90%

1.10%

1.30%

-

500

1Q 2015 4Q 2015 1Q 2016

GIL RM'm GIL %

CFS GIL stable at 1.9% Stable consumer GIL at 0.5%; below industry average

Improved GIL for Business Banking + SME to 7.4%

3,334 3,422 3,415

1.9% 1.9% 1.9%

1.00% -

500

1,000

1,500

2,000

2,500

3,000

3,500

4,000

4,500

1Q 2015 4Q 2015 1Q 2016

GIL RM'm GIL %

GIL ratio for consumer financing portfolios held

steady on a YoY and QoQ basis.

Business Banking + SME GIL improved to 7.4% due to

low SME GIL as well as close monitoring of asset

quality and better recovery efforts in the Business

Banking portfolio.

RM

million

RM

million

RM

million


Table of Contents

Executive Summary 2

Results Overview 5


Appendix :







7. Affiliates 58

39

2.3

37.1

34.7

1.9

39.4

32.5

Mar'16 Dec'15 Mar'15

Trade Finance and Others

Overdraft

29.2

38.4

1.9 +5.1%

YTD ann.

Corporate Banking GIL ratio at 1.76% as at Mar 2016

Total GB loans declined QoQ and YoY to RM69.4 billion

-10.7%

YTD ann.

RM billion

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

Liabilities and Others)

-41.0%

YTD ann.

1.31% 1.27% 1.18%

1.48%

1.76%

Mar 15 Jun 15 Sep 15 Dec 15 Mar-16

Term Loan

Global Banking: Overview of Malaysia Corporate Banking Portfolio

Trade Finance market share ¹

24.6%

24.9%

25.3%

25.0% 25.2%

25.5%

Mar 15 Jun 15 Sep 15 Dec 15 Feb 16 Mar 16

40

49.6%

18.0%

20.8%

0.7%

0.8%

10.2%

RM26.0

billion

Commercial

Papers

SA (Govt.

Guaranteed)

AAA

AA

A

<A

368.8

693.4

319.0

261.3

1Q FY2015 1Q FY2016

Net interest income Non-interest income

+38.8%

687.8

954.7

+43.1%

50.3% 27.4%

18.0%

0.4%

0.8%

3.1%

SA (Govt.

Guaranteed) AAA

AA

A Commercial

Papers

<A

Global Banking: Overview of Group Global Markets Portfolio

Group Securities Portfolio:

43.8% Foreign Securities as at March FY2016

RM 21.6

billion

48.0 47.6 51.7 53.9 62.9

45.5 46.6 48.9 47.6 50.1

10.3 14.6 11.6 10.3 11.4


Govt. Securities PDS/Corp Bonds Others

124.4

Group Securities Portfolio grew 19.8% YoY

111.8 108.8 112.2 103.8

Global Markets’ revenue grew by 38.8% YoY

Revenue

RM

million

Note: Revenue & PBT includes regional performance

38.8% of GM PDS (Maybank Conventional Malaysia)

are rated “AA” and above as at March FY2016

RM

billion

YTD Mar 2016

+19.8%

23.3%

27.3% 23.7%

16.5%

9.2%

RM 124.4

billion

Government

Securities

- Domestic

Government

Securities

- Foreign

PDS/Corp

Bonds

- Domestic

PDS –

Foreign

Others

(NIDs, BA, etc)

24.3%

22.0% 26.3%

17.5%

9.9%

Government

Securities

- Domestic

Government

Securities

- Foreign

PDS –

Foreign

Others

(NIDs, BA, etc)

PDS/Corp

Bonds

-Domestic

RM 103.8

billion

YTD Mar 2015

Note:

Group PDS (Maybank Malaysia) for YTD Mar 2015 and YTD Mar 2016 are RM23.5billion

and RM25.9 billion respectively

YTD Mar 2016 YTD Mar 2015

RM

million

Profit before Tax

574.0

821.2

1Q FY2015 1Q FY2016

41

Malaysia 42%

Singapore 20%

Thailand 20%

Indonesia 2%

Phillipines 8%

Hong Kong 5%

Others 3%

1Q FY2016 Total Income

RM375.9mil

YTD Mar 2016 Equities Market Share by Country

Country Rank Market

Share

Trading Value

(USD m)

Thailand 1 8.3% 11,412

Malaysia 2 9.9% 5,844

Indonesia 7 3.9% 1,794

Philippines 7 5.5% 926

Singapore N/A* 4.2% 4,207

Hong Kong Tier2 1.6% 17,751

* 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

Global Banking: Overview of Group Investment Banking Portfolio

Total Income for Maybank Kim Eng rose by 18.1% YoY

1Q FY2015

318.3

375.9

1Q FY2016

RM

’Million

1Q FY2016 Fee-based Income for Malaysia

Arrangers' Fees 5%

Brokerage 30%

Other Fee Income

1%

Agency/ Guarantee Fees

2%

Advisory Fees 60%

Placement Fees 1%

Underwriting Fees 1%

+18.1%

42

Global Banking: Notable Deals for 1Q FY2016

RM78.1 million

Acquisition of 90.83%

equity interest in Titisan

Modal Sdn Bhd

Principal Adviser

Jan 2016

KUMPULAN PERANGSANG

SELANGOR BERHAD

Malaysia

Guaranteed Sukuk

Murabahah Facility

Joint Principal Adviser

Joint Lead Arranger

Joint Lead Manager

Bank Guarantor

EKVE SDN BHD

RM1 billion

Jan 2016

Malaysia

RM9.8 billion

Disposal of power assets of

1MDB, housed under its

wholly-owned subsidiary

Edra Global Energy Berhad

Financial Adviser

Mar 2016

1MALAYSIA DEVELOPMENT BERHAD

Malaysia

USD 25 million

Mar 2016

Standby Letters of Credit

HANGZHOU CIEC GROUP

CO. LTD

Shanghai, China

RM8 billion

Mar 2016

Malaysia

MTN Programme

Joint Principal Adviser

Joint Lead Arranger

Joint Lead Manager

Joint Bookrunners

Joint Placement Agents

PAVILLION REIT BOND CAPITAL

BERHAD

Mar 2016

RMB 200 million

Term Loan

HAITONG UNITRUST LEASING

Shanghai, China

Mar 2016

Mar 2016

Term Facility

Joint Mandated Lead

Arranger

Joint Bookrunner

USD425 million

MARLIN ENTERPRISE LIMITED

Indonesia

USD10 million

Mar 2016

Syndicated Loan

Lender

PT DELTA DUNIA SANDANG

TEKSTIL

Indonesia

IDR450 billion

Mar 2016

Demand Loan

Lender

PT DUNIA PANGAN SUBSIDIARY

PT TIGA PILAR SEJAHTERA

Indonesia

Mar 2016

Perpetual Subordinated

Sukuk Programme

Sole Principal Adviser

Sole Lead Arranger

Sole Lead Manager

RM3 billion

SIME DARBY BERHAD

Malaysia

Mar 2016

Commodity Murabahah

Term Financing Facility

Sole Mandated Lead

Arranger

RM18 million

PLATINUM APPRECIATION SDN

BHD

Malaysia

RM386.8 million

Mar 2016

Initial Public Offering

Joint Bookrunners

Joint Managing Underwriter

Joint Underwriter

RANHILL HOLDINGS BERHAD

Malaysia


Table of Contents

Executive Summary 2

Results Overview 5


Appendix :







7. Affiliates 58

44

Maybank Singapore: P&L Summary

(SGD mil) 1Q FY2016 1Q FY2015 YoY

Net Fund Based income 140.54 132.00 6.5%

Net Fee Based income 64.27 60.61 6.0%

Net income 204.81 192.62 6.3%

Overhead expenses (89.72) (87.72) 2.3%

Operating profit 115.09 104.90 9.7%

Profit before taxation 60.34 90.75 -33.5

• Lower PBT of 33.5% YoY or SGD30.4 million from SGD90.75 million for 1Q FY2016.

• Fund-based income increased by 6.5% YoY on the back of an expanded loan base.

• Fee-based income expanded by 6.0% YoY, led by higher treasury and Islamic banking income.

• Overhead expenses rose by 2.3% YoY mainly arising from higher human capital and IT investments.

• Operating profit rose 9.7% YoY. In view of the weaker economic environment, proactive restructuring of

certain accounts have led to an increase of loan loss allowance, which resulted in lower PBT.

45

Maybank Singapore: Overview of Loans Portfolio

0.26 0.24 0.31

0.42 0.44 0.48

1.31

0.20 0.20 0.25 0.35 0.36 0.35

1.11

Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

GIL Ratio NIL Ratio

8.5 8.9 8.5

4.2 3.9 3.8

4.1 3.6 3.8

5.7 6.0 5.9

8.0 9.6 9.5

2.0 1.8 1.7 2.8 3.4 3.4

Mar 15 Dec 15 Mar 16

Other(Consumer)

Car Loan

Housing Loan

Others(Corporate)

Non-Bankfinancial Inst

GeneralCommerce

Building &Const

Gross impaired loan ratio rose to 1.31 % as at Mar 2016

Maybank Singapore loans grew 4.9% YoY while

industry loan contracted by 5.4%

Diversified Loan Portfolio

34.9 36.7

Consumer

40%

Business

60%

SG

D b

illion

As at 31 March 2016, total loans contracted by 5.3% YTD

annualised to SGD 36.7 billion

Consumer loans declined QoQ by SGD 0.2 billion to SGD

14.6 billion, due to lower housing loans. Car loans

continued to decline in line with the industry trend.

Meanwhile, business loans declined QoQ by SGD 0.3

billion to SGD22.1 billion. Although lending to non-bank

financial institutions grew on a YTD basis, loans for

building & construction and general commerce were

lower.

21.3%

13.4% 11.6% 9.9% 10.5%

6.0% 4.9%

14.0%

9.3% 6.7%

3.4% 4.2% 0.04%

-5.4%

Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 Dec 15 Mar 2015

Maybank Singapore Growth Industry Growth

+4.9% YoY

37.2

-5.3% Ann

46

Consumer deposits account for 56% of our

deposits

+19.4% Ann

Maybank Singapore: Overview of Deposits Portfolio

4.8 4.4 4.5

11.6 15.3 15.5

4.8 4.8 4.8

17.9 19.0 20.9

Mar-15 Dec-15 Mar-16

Consumer -Time Deposits

Consumer CASA

Business TimeDeposits

Business CASA

Maybank Singapore deposits grew by 16.7% YoY,

outpacing the 1.5% rise in system-wide deposits

+16.7% YoY

39.2 45.8

Consumer

56%

Business

44% 4.3 4.3 4.3

5.3 5.0 5.1

29.6 34.3 36.4

Mar-15 Dec-15 Mar-16

Time Deposits

DemandDeposits

Savings

CASA Ratio:

20.4%

Time deposits expanded by 18.3% YTD

annualised while CASA rose 3.0%

7.3%

16.5% 17.0%

11.5% 10.8% 10.2%

16.7%

4.4% 7.0% 8.0% 6.4%

9.2% 4.6%

1.5%

Sep 14 Dec 14 Mar 15 Jun-15 Sep-15 Dec-15 Mar-16

Maybank Singapore Growth Industry Growth

Deposits grew by 19.4% YTD annualised to SGD 45.8

billion as at 31 March 2016.

Consumer deposits increased by 32.9% YTD to SGD 25.7

billion, supported by a 41.1% jump in time deposits.

Similarly, business deposits expanded by 4.7% YTD to SGD

20.0 billion as CASA rose 7.7%.

SG

D b

illion

SG

D b

illion

43.6


Table of Contents

Executive Summary 2

Results Overview 5


Appendix :







7. Affiliates 58

48

(IDR billion) 1Q FY2016 1Q FY2015 YoY 4Q FY2015 QoQ

Net Fund Based income 1,726 1,586 8.8% 1,704 1.3%

Net Fee Based income 687 621 10.7% 1,124 (38.9)%

Net income 2,413 2,207 9.3% 2,828 (14.7)%

Overhead expenses (1,442) (1,453) (0.7)% (1,251) 15.3%

Personnel (590) (630) (6.3)% (484) 22.0%

General & Administrative (793) (733) 8.1% (807) (1.7)%

Other Operating Expenses (59) (90) (33.7)% 40 249.0%

Operating Profit 971 755 28.6% 1,577 (38.5)%

Provision Expenses (389) (426) (8.7)% (737) (47.2)%

Non Operating Income/Expenses 19 24 (23.2)% (79) (123.7)%

Profit before Tax & Minority Interest 600 353 70.3% 761 (21.2)%

Net Profit 444 256 73.7% 547 (18.8)%

EPS - Basic (IDR) 6.55 3.77 73.7% 8.07 (18.8)%

Maybank Indonesia: P&L Summary

49

24.0 23.9 21.5 21.5

82.3 83.8 91.1 91.3

Dec-14 Mar-15 Dec-15 Mar-16

Global Banking Community Financial Services (CFS)

Net Interest Margin (Consolidated)

Asset Quality (Consolidated)

Loans composition (Consolidated) IDR Trillion

Deposits (Consolidated) IDR Trillion

112.5 107.6

+4.8% YoY

106.3

Maybank Indonesia: Portfolio Overview

4.76% 4.85% 4.84% 4.83%


3.59%

4.62% 4.65%

3.83% 3.82%

2.56%

3.29% 3.12% 2.59% 2.56%

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

Impaired Loans - Gross Impaired Loans - Net

112.9

16.3 17.3 16.2 17.3

23.5 23.7 25.6 25.6

62.7 64.0 73.7 71.9


Current Account Saving Account Time Deposit

115.5 105.0

+9.3% YoY

102.5 114.8

+1.2% YTD Ann.

-2.5% YTD Ann.

50

3,794 4,032

Mar 2015 Mar 2016

11,908

177

12,085

10,905

99

11,044

New Used Total

Mar 2015 Mar 2016

220 211

103 67

1Q FY2015 1Q FY2016

Revenue Profit Before Tax

-8.4%

-44.1%

-8.9%

-3.9% +6.3%

Asset Quality

Consumer Financing IDR billion

Unit Financing (unit)

Revenue and Profit Before Tax IDR Trillion

0.30% 0.25% 0.20%

0.29%

0.36%

0.37% 0.33%

0.24%

0.35%

0.45%


NPL Net NPL Gross

Maybank Indonesia: Overview of Maybank Finance Operations

51

4,443 4,004

Mar 2015 Mar 2016

90

52

142

60 49

109

New Used Total

Mar 2015 Mar 2016

417 458

1 26

1Q FY2015 1Q FY2016

Revenue Profit Before Tax

-33.7%

-4.9%

-23.2%

+9.9% -9.9%

Maybank Indonesia: Overview of WOM Finance Operations

>+100%

Asset Quality

Consumer Financing IDR billion

Unit Financing (‘000 unit)

Revenue and Profit Before Tax IDR Trillion

1.09% 1.08% 1.01% 0.99% 1.11%

2.81% 2.91% 2.95% 2.97% 3.34%


NPL Net NPL Gross


Table of Contents

Executive Summary 2

Results Overview 5


Appendix :







7. Affiliates 58

53

30.8 32.1

30.3

5.3

13.1

19.6

30.4

33.6 31.0

5.4

12.7

19.3

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

Dec 15

Mar 16

Islamic Banking: Performance Overview

Group Islamic Banking Financial Performance

Source: Islamic Banking Scheme (“IBS”) disclosure in Group Financial Statement

Maybank Islamic: Key Financial Ratios

Maybank Islamic: Total Gross Financing grew by 3%

(ann.) to RM132.2 billion

-5%

+19% +9%

-13%

-7%

+10%

CFS:+8% GB:-9%

RM million 1Q FY2016 1Q FY2015 YoY

Profit Before Tax 467.3 353.4 32.2%

Gross Financing & Advances 132,587.8 117,945.9 12.4%

Deposits & Investment

Account: 128,678.2 104,948.5 22.6%

Deposits from Customers 103,607.4 104,948.5 -1.3%

Investment Account 25,070.8 - 100%

Maybank Islamic contribution to Maybank Malaysia

Loans and Financing as at March 2016

Maybank

Conventional

Malaysia, 48.2%

Maybank Islamic,

51.8%

Year Contribution

Mar 2015 47.2%

Jun 2015 48.7%

Sep 2015 49.4%

Dec 2015 50.8%

Mar 2016 51.8%

Key Financial Ratios 1Q FY2016 1Q FY2015

Return on Equity (ROE) 16.93% 14.25%

Total Capital Ratio (TCR) 17.819% 14.647%

Cost to Income Ratio (CIR) 36.9% 39.7%

Direct FDR1 95.3% 99.5%

Adjusted FDR with LTIF2 87.8% 90.3% Note:

1) Direct FDR comprising gross financing against deposit and investment Account (exc.

RPSIA assets and liabilities)

2) Adjusted FDR comprising adjusted financing against adjusted deposit (exc. RPSIA

assets and liabilities) including long term interbank funding (LTIF)

54

Maybank Islamic Market Share (Malaysia)

Maybank Islamic ranks No.1 by Asset Market Share

in Malaysia

Source: BNM monthly statistical bulletin and latest respective Bank’s Financial

Statements

Malaysia Asset Market Share

Dec 2015 Rank

Maybank Islamic 29% 1

CIMB Islamic 10% 2

Bank Islam 9% 3

Source: Bloomberg

Sukuk League Table Ranking March 2016

Key Products Mar 2016 Mar 2015

Automobile Financing 42.2% 40.7%

Home Financing 27.9% 26.1%

Term Financing 30.1% 30.2%

*Industry balance for IA is the summation of IA balance for banks that have disclosed IA

in their financial statements, based on latest available data

Islamic Banking: Market Share

Market Share by Product (Malaysia)

Market Share

(%)

Amount

(USD million)Issues

#2 Maybank 13.7 1,468 23

Market Share

(%)

Amount

(RM million)Issues

#1 Maybank 47.7 6,062 23

Global Sukuk League Table

Ranking

MYR Sukuk League Table

Ranking

33.0% 33.4% 33.6% 33.5% 33.2%

24.4% 24.8%

27.6% 29.3%

30.1%

20.0%

25.0%

30.0%

35.0%


Financing Deposits & Investment Accounts

55

32.32 31.85

1Q FY2015 1Q FY2016

49.9

109.6

1Q FY2015 1Q FY2016

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

Profit Before Tax (RM million)

* Market Share is for period Jan’15 – Dec’15 (Source: LIAM / ISM Statistics)

• PBT includes estimated transfer of RM18.7 million from Family Fund for the period of

March 2016

Insurance and Takaful: Performance Overview

-1% YoY

+ 119.8%

0 500 1,000 1,500 2,000

Total Life/Family& General

Total General

Misc

MAT

Motor

Fire

Total Life/Family

Group Premium

Credit Premium

Regular Premium

Single Premium

RM Million

1Q FY2016

1Q FY2015 -8.0%

33.7%

-23.4%

20.6%

0.4%

23.0%

41.1%

9.4%

2.0%

16.8%

-4.6%

9.0%

14.1%

15.4%

19.9%

0.0% 5.0% 10.0% 15.0% 20.0% 25.0%

Etiqa Ins. & Tak.

GE Ins. & Tak.

Prudential Ins. & Tak.

AIA Ins. & Tak.

8.1%

11.0%

12.9%

0.0% 5.0% 10.0% 15.0%

HL-MSIG Ins. & Tak.

Allianz Insurance

Etiqa Ins. & Tak.

56

57,843.4 57,174.8

63,376.7 63,780.3

Dec 2015 Mar 2016

GrossLoans

CustomerDeposits

1,127.4

1,299.9

191.7 200.5

1Q FY2015 1Q FY2016

Revenue

PBT

Maybank Philippines: Performance Overview

Revenue and PBT

Revenue increased by 15.3% YoY, led by higher net interest

income (NII) and fee income.

Increase in NII contributed by higher loan income and

placement income. Fee income growth mainly supported by

higher trading gain, commissions and service charges.

PBT improved by PESO8.8 million or 4.6% YoY driven by

higher revenue and disciplined cost management.

Gross loans declined by 4.6% (annualised) mainly due to

lower utilisation of trust receipts.

Customer deposits rose by 2.5% (annualised) with increase in

CASA deposits.

Higher gross impaired loans ratio due to increase in both

retail and corporate portfolio. Gross Loans and Deposits

Key Highlights

+15.3% YoY

+4.6% YoY

- 4.6%*

+2.5%*

*Annualised growth

Key Ratios 1Q FY2016 1Q FY2015

Return on assets 0.91% 0.98%

Return on equity 4.34% 3.27%

Cost-to-income ratio 73.28% 76.69%

Loans to Deposit ratio 89.64% 94.43%

Gross Impaired Loans Ratio 5.65% 3.77%

No. of branches 80 79

PESO

Million

PESO

Million


Table of Contents

Executive Summary 2

Results Overview 5


Appendix :







7. Affiliates 58

58

41,195.1 40,959.4

47,872.1 46,585.9

Dec 2015 Mar 2016

GrossLoans

CustomerDeposits

493.2 464.8

86.4 48.7

1Q FY2015 1Q FY2016

Revenue

PBT

Revenue and PBT

Revenue decreased by 5.8% YoY or VND28.4 billion, due to

decline in non-interest income.

PBT was also lower by 43.6% YoY or VND37.7 billion, caused

by lower income and an increase in provisioning. Overheads

however, declined by 9.8% YoY primarily due to lower salary

costs.

Gross loans decreased by 2.3% (annualised) or VND235.7

billion due to lower corporate and FI lending.

Customer deposits contracted by 10.7% (annualised) or

VND1,286.2 billion, due to a decline in current accounts and

fixed deposits.

Gross NPL ratio improved to 1.73% from 3.10%, contributed

by lower NPL balances. Gross Loans and Deposits

Key Highlights

-5.8% YoY

-43.6% YoY

-2.3%*

-10.7%*

*Annualised growth





Loans to deposit ratio 87.92% 96.55%

Gross NPL Ratio 1.73% 3.10%

VN

D B

illion

VN

D B

illion

An Binh Bank: Performance Overview

59

335.3 333.5

688.9 717.0

Dec 2015 Mar 2016

GrossLoans

CustomerDeposits

17.0

14.7

11.9

9.3

1Q FY2015 1Q FY2016

Revenue

PBT

Revenue and PBT

Revenue and PBT dropped by 13.5% and 21.8% YoY

respectively, mainly due to decline in net interest income

(NII) and non-interest income (NOII).

NII was lower by 3.5% YoY or PKR418.9 million mainly due to

lower yields on loans and investments.

NOII decreased by PKR1,895.9 million or 38.3% YoY, mainly

attributed to lower gain on sales of securities.

Gross loans contracted by 2.1% (annualised) due to lower

domestic loans.

Customer deposits rose by 16.3% (annualised) contributed by

higher CASA.

Gross NPL ratio improved by 50 bps due to lower NPL

balances. Gross Loans and Deposits

Key Highlights

-13.5% YoY

-21.8% YoY

-2.1%*

+16.3%*

*Annualised growth





Loans to deposit ratio 46.52% 45.10%

Gross NPL Ratio 6.23% 6.73%

PKR B

illion

PKR B

illion

MCB Bank: Performance Overview

60

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

Jeeva Arulampalam

Acting Head, Group Investor Relations

Contact: (6)03-2074 8346

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

Documents

Analyst Presentation 4Q FY2014 - maybank.comInvestor Presentation Financial Results First Quarter FY2016 ended 31 March 2016 27 May 2016 Humanising Financial Services . 1 Table of