Maybank Earnings Summary Q3 & 9M FY2020

Maybank Performance Outlook Group guidance for remainder of FY2020 19 Key Guidance NIM compression guidance of 20 bps for FY2020, incorporating 2Q net mod loss impact and on assumption of no further rate cuts across home markets. • To maintain good quality deposits in local currencies, with strong CASA growth in home markets. • Continued cost management discipline as done over the years, with added emphasis in reducing discretionary expenses. CIR target of below 48% for FY2020. . • • Maintaining group net credit charge off (NCC) ratio guidance for FY2020 of between 75 bps to 100 bps. NCC to remain elevated into FY2021. Ongoing bottom-up borrower assessments to determine AQ impact. Group ROE guidance of circa 7.5%, arising from COVID-19 impact to the Group's income and provisioning. Key priority is to conserve capital and liquidity strength in this uncertain environment. Final dividend consideration will be dependent on full year FY2020 profit and subject to regulatory approvals. Loan Growth & Relief Measures Growth in Malaysia supported by retail and non-retail disbursements. Expected slowdown in key overseas markets, but offset by slower repayments given relief measures. We have continued engaging borrowers even before the expiry of automatic repayment deferments to ascertain business viability and monitor borrowers' evolving cash flow considerations. Arising from these engagements, we have been offering targeted repayment, rescheduling and refinancing assistance to borrowers tailored to their specific needs and will continue to do so. As part of our risk and asset quality management, we will maintain ongoing engagement with all customer segments. Maybank

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