Maybank Performance Outlook FY2019

Islamic Banking: Performance Overview Group Islamic Banking Financial Performance RM million FY2018 Maybank Islamic Maybank Islamic: Total Gross Financing grew to RM176.8 billion FY2017 YOY Total Income 5,118.1 4,600.4 11.3% Profit Before Tax 3,033.7 2,751.8 10.2% Financing & Advances 186,709.4 174,907.7 6.7% Deposits & Investment Account: 180,595.2 162,986.9 10.8% Deposits from Customers 157,030.1 138,431.5 13.4% Investment Account 23,565.1 24,555.4 (4.0)% Group Islamic Banking's performance includes key markets in Malaysia, Indonesia and Singapore Maybank Islamic: Key Financial Ratios Key Financial Ratios FY2018 FY2017 Total Capital Ratio (TCR) 22.55% 20.78% Net Profit Margin (YTD) 1.91% 1.90% Cost to Income Ratio (CIR) Direct FDR¹ 32.29% 35.12% 93.9% 95.1% Note: 1 Direct Financing to Deposits Ratio (FDR) comprising gross financing against deposit and Unrestricted Investment Account (exc. RPSIA assets and liabilities) 55 RM billion ■Dec-17 Dec-18 12% 11% 47.5 3% 42.6 39.1 32.4 33.3 35.4 17% (6%) 28.8 24.6 22.6 21.3 11% 6.1 6.8 AITAB Mortgage Term Financing Others (CFS) Term Financing Others (GB) CFS: 19% Note: Figures are as per latest segmentation breakdown GB: 6% Maybank Islamic Contribution to Maybank Malaysia Loans and Financing as at December 2018 Year Contribution Maybank Islamic, Dec 2017 56.9% 58.7% Mar 2018 57.7% Maybank Conventional, Malaysia, 41.3% Jun 2018 58.5% Sep 2018 58.3% Dec 2018 58.7% Maybank

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