Maybank Performance Outlook FY2019

Exposure to Oil & Gas and Real Estate Sectors: 31 December 2018 Group Exposure to Direct & Indirect Oil & Gas Borrowers Real Estate Exposure to Non-Retail Malaysian Borrowers Maybank Group Malaysia Singapore Indonesia 3.57% Note: ◉ Others 2.04% 1.21% 0.11% 0.21% Funded-only exposure is 2.85% for Group Borrowers' Status: Others, 31.1% High Rise Residential, 30.6% RM 31.83 bil (or 10.64% of Malaysia Gross Loans) Normal Of GIL breakdown: Watchlist ■Special Mention Account ■GIL 58% • 87% is from midstream Segmental Exposure: Upstream 34% Midstream 45% 28% 1% 13% Downstream Note: ☐ Hotels, 5.9% Offices, 5.9% Landed Residential, 16.4% Malls, 10.1% Funded-only exposure is 9.89% Borrowers' Status: Normal Watchlist ■Special Mention Account GIL 83% 12% 1% 4% 21% Of Watchlist breakdown: Of GIL breakdown: • 37% is from high rise residential • . 27% is from combined exposure 58% is from combined exposure to malls and hotels to malls, hotels and offices • 7% is from high rise residential Note: " Midstream refers to the transportation (i.e. pipeline, barge, oil tanker or truck), storage and wholesale marketing services of crude or refined petroleum products. 20 20 Maybank

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