Maybank Performance Outlook FY2019

Community Financial Services: Overview of Market Share for Malaysia Market share Sep-18 Market Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 VS Dec-18 position Loans Total consumer (Household) Auto (Purchase of transport vehicles) Total mortgage * Credit cards ** 18.8% 17.6% 17.6% 26.5% 26.7% 13.3% 13.3% 19.0% Unit trust 51.1% 50.9% 17.6% 17.7% 27.1% 27.3% 27.7% 13.3% 13.4% 13.5% 19.0% 19.1% 50.4% 50.1% 49.6% 17.7% 2 2 2 19.2% 1 1 Deposits Total deposits *** Total core retail deposits Retail CASA ^ Λ Retail savings ^ Demand deposits Retail fixed deposits ^ 18.4% 18.8% 18.6% 18.3% 18.4% 1 Λ 17.7% 17.8% 17.9% 17.8% 17.2% 2 24.5% 24.9% 28.2% 18.3% 18.9% 14.4% 14.2% 28.5% 25.0% 24.9% 28.6% 28.2% 28.5% 19.0% 19.1% 18.9% 14.4% 14.4% 25.0% 1 1 1 13.5% 2 Channels Internet banking - Subscriber base Mobile banking - Subscriber base Internet banking - Transaction Volume 1 ^^ 54.7% 42.6% 41.8% 31.7% 31.3% 53.8% Mobile banking - Transaction Volume Branch network ^^^ 1 61.5% 18.6% 41.0% 40.2% 31.4% 30.9% 30.7% 53.8% 53.3% 52.8% 70.4% 65.9% 65.4% 66.7% 18.6% 18.6% 19.0% 39.7% 1 1 1 19.2% 1 Note: 1 Rebased market share due to adjustment made to Industry data by BNM from Jan'17. * Refers to housing, shophouse and other mortgage loans ** Credit cards market share refer to receivables for commercial *** Total bank deposits inclusive of investment asset ("IA") 42 Λ ^^ ΑΛΛ Without IA. With IA, the market share as at Dec' 18 for Total Core Retail Deposits, Retail CASA, Retail Savings, Demand Deposits and Retail Fixed Deposits are 18.0%, 26.1%, 28.5%, 21.8% and 14.9% respectively (against MBB retail IA). Excluding non-financial transactions as per BNM guidelines Industry numbers as at Dec' 18. Maybank

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