Financial Results Presentation

Maybank Indonesia: Financial Ratios and Loans Portfolio Breakdown Key Operating Ratios Loans Portfolio Breakdown Key Operating Ratio Jun-19 Dec-18 Jun-18 YOY IDR Trillion % of 30 Jun 31 Mar Portfolio! 2019 2019 30 Jun QoQ YOY 2018 I Profitability & Efficiency CFS 72% 97.6 100.0 (2.3)% 97.0 0.7% Return On Assets 1.12% 1.74% 1.49% (0.37)% CFS Retail 32% 43.0 43.5 (1.1)% 43.2 (0.4)% Return On Equity (Tier 1) 6.50% 10.21% 9.16% (2.66)% Auto Loan 18% 24.0 Net Interest Margin 4.83% 5.24% 5.11% (0.28)% Mortgage 11% 15.5 15.6 (1.1)% 15.4 24.4 (1.5)% 24.4 (1.7)% 0.5% Cost to Income Ratio 61.32% 58.10% 60.32% 1.00% CC + Personal 2% 3.1 3.1 1.0% 2.9 5.2% i Loan Asset Quality Other loans 1% 0.4 0.4 0.3% 0.4 (0.1)% NPL - Gross 3.06% 2.59% 2.79% 0.27% CFS Non-Retail 40% 54.6 56.5 (3.3)% 53.8 Liquidity & Capital Adequacy LCR^ CET 1 CAR 166.38% 17.12% 124.94% 16.85% 19.07% 19.04% 151.48% 14.90% 16.27% 0.85% 18.77% 0.30% Business Banking RSME Global Banking 22% 30.7 32.1 1.6% (4.7)% 31.3 (2.0)% 18% 24.0 24.3 (1.5)% 22.5 6.6% 28% Total 37.8 35.9 5.4% 30.1 135.4 135.8 (0.3)% 127.1 25.6% 6.6% ^LCR is disclosed on a quarter-end basis 41 Note: Maybank Indonesia's loans breakdown is mapped in accordance to its local regulatory reporting requirements. Maybank

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