9M FY2023 Financial Performance

Islamic Banking: Performance Overview Group Islamic Banking Financial Performance → Maybank Islamic Maybank Islamic: Total Gross Financing¹ grew to RM252.3 billion RM million Total Income 9M FY2023 Profit Before Tax 5,571.2 2,879.1 9M FY2022 (Restated) 5,660.8 (1.6)% YOY Financing & Advances 268,911.01 Deposits & Investment Account: 247,383.7 Deposits from Customers 221,507.0 244,658.3 217,825.8 3,523.4 (18.3)% 251,491.91 6.9% 1.1% 1.7% Investment Account 25,876.7 26,832.5 (3.6)% Maybank Islamic: Key Financial Ratios Total Capital Ratio (TCR) Net Profit Margin (YTD) 17.14% 9M FY2023 1.99% 9M FY2023 Cost to Income Ratio (CIR) 39.41% 9M FY2023 9M FY2022: 16.45% 9M FY2022: 2.37% 9M FY2022: 28.70% 9M FY2022: 92.11% Note: RM billion +14% ■Sep 22 ■Sep 23 +12% +1% 48.9 81.9 71.9 (8)% 54.5 53.0 53.3 (1)% 30.9 +24% 28.5 21.7 21.4 10.1 12.5 Auto Financing Mortgage Term Financing Others (CFS) Term Financing Others (GB) CFS: +10% 1GB: (5)% Direct FDR² 98.73% 9M FY2023 Note: Figures are as per latest segmentation breakdown Maybank Islamic Contribution to Maybank Malaysia Loans and Financing as at 30 September 2023 Maybank Islamic, 68.1% Sep 2022 66.1% Dec 2022 67.2% Mar 2023 67.6% Jun 2023 67.9% Malaysia, 31.9% Sep 2023 68.1% Maybank Conventional, 1 Including Financing managed by the Bank i.e. RPSIA financing that are treated as off-balance sheet effective from 31 December 2021 2 Direct Financing to Deposits Ratio (FDR) comprising gross financing against deposit and Unrestricted Investment Account (exc. RPSIA assets and liabilities) 43 43

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