Financial Results Presentation

Islamic Banking: Performance Overview Group Islamic Banking Financial Performance RM million Maybank Islamic Maybank Islamic: Total Gross Financing grew to RM183.7 billion 1H FY2019 1H FY2018 YOY Total Income Profit Before Tax 2,521.0 1,671.8 2,797.6 (9.9)% 1,184.5 41.1% Financing & Advances 196,253.9 183,123.0 7.2% Deposits & Investment Account: 188,173.8 169,473.6 11.0% Deposits from Customers 166,521.0 150,297.4 10.8% 21,652.8 19,176.2 12.9% Investment Account Group Islamic Banking's performance includes key markets in Malaysia, Indonesia and Singapore Maybank Islamic: Key Financial Ratios ■Jun-18 Jun-19 12% 50.3 7% 45.0 35.0 32.8 10% 40.9 37.2 ▲7% RM billion 29.0 (7%) 26.9 22.9 21.3 13% 6.3 7.1 AITAB Mortgage Term Financing Others (CFS) Term Financing Others (GB) CFS: 10% GB:▲1% Note: Figures are as per latest segmentation breakdown Maybank Islamic Contribution to Maybank Malaysia Loans and Financing as at June 2019 1H FY2019 1H FY2018 Key Financial Ratios Total Capital Ratio (TCR) 21.74% 19.05% Net Profit Margin (YTD) 1.79% 1.86% Cost to Income Ratio (CIR) Direct FDR¹ 36.10% 33.59% 93.1% 95.9% Note: 1 Direct Financing to Deposits Ratio (FDR) comprising gross financing against deposit and Unrestricted Investment Account (exc. RPSIA assets and liabilities) 43 Year Contribution Maybank Islamic, 60.2% Jun 2018 58.5% Sep 2018 58.3% Maybank Conventional, Dec 2018 58.7% Malaysia, 39.8% Mar 2019 59.7% Jun 2019 60.2% Maybank

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