Maybank Earnings Summary Q3 & 9M FY2020

Overheads: 9M FY2020 (YoY) Continued cost containment efforts yield CIR of 45.3% and positive JAWS of 3.9% for 9M FY2020 9M 9M RM million YOY FY2020 FY2019 3Q FY2020 2Q FY2020 QoQ 3Q FY2019 YOY Personnel Costs 4,952.5 5,023.6 (1.4)% 1,581.5 1,644.0 (3.8)% 1,680.0 (5.9)% Establishment Costs 1,399.0 1,370.8 2.1% 482.5 458.4 5.3% 480.8 0.4% Marketing Expenses 269.3 449.3 (40.1)% 84.1 76.5 9.9% 157.5 (46.6)% Administration & General 1,732.0 1,749.2 (1.0)% 556.2 527.4 5.5% 645.3 (13.8)% Expenses Total 8,352.8 8,592.8 (2.8)% 2,704.4 2,706.3 (0.1)% 2,963.6 (8.7)% % 9M FY2020 9M FY2019 YOY 3Q FY2020 2Q FY2020 QoQ 3Q FY2019 YOY Total Cost to Income 1 45.3% 47.1% (1.8)% 44.5% 47.9% (3.4)% 45.6% (1.1)% Group JAWS Position 3.9% 7.7% 2.3% Note: 1 Total cost excludes amortisation of intangible assets for Maybank Indonesia and Maybank Kim Eng 11 Maybank

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