Financial Results Presentation

Overheads: 1H FY2019 Stable overheads trend QoQ; low growth YoY mainly led by personnel and marketing costs 1H 1H RM million YOY FY2019 FY2018 2Q FY2019 1Q FY2019 QoQ 2Q FY2018 YOY Personnel Costs 3,343.6 3,141.3 6.4% 1,656.6 1,686.9 (1.8)% 1,550.7 6.8% Establishment Costs 890.1 873.4 1.9% 448.7 441.4 1.7% 416.1 7.8% Marketing Expenses 291.8 265.3 10.0% 151.1 140.7 7.3% 122.5 23.4% Administration & General 1,103.9 1,166.4 (5.4)% 565.3 538.6 5.0% 589.6 (4.1)% Expenses Total 5,629.3 5,446.4 3.4% 2,821.7 2,807.6 0.5% 2,678.8 5.3% 1H % FY2019 1H FY2018 YOY 2Q FY2019 1Q 2Q QoQ YOY FY2019 FY2018 Total Cost to Income 1 47.9% 46.7% 1.2% 47.9% 47.9% 0.0% 46.0% 1.9% I Group JAWS Position (2.4)% 0.0% (4.1)% Note: 1 Total cost excludes amortisation of intangible assets for Maybank Indonesia and Maybank Kim Eng 9 Maybank

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