Financial Results Presentation

Maybank Performance Outlook Group guidance for FY2019 3 1 Income Growth Expand revenue streams through cross business collaborations Measured balance sheet expansion in line with economic growth of home markets and Group's conservative risk posture Group ROE guidance of 10.0% to 10.5%, on slower economic growth and a lower interest rate environment 2 Better Productivity 4 Driving positive JAWs across business segments ➤ Managed Group cost growth with CIR -47% ➤ Continued emphasis on employee up-skilling for digital economy Asset Quality Management Disciplined asset quality management in slowing economic growth environment and continued recovery efforts Liquidity and Capital Management Maintain stable liquidity risk indicators ahead of NSFR adoption in 2020 Maintain robust capital positions, while rewarding shareholders with strong effective cash dividend payout as seen with interim dividend 5 Digitalisation 17 Conservative investment spend focused on improving customer experience with rollout of product/services ➤ Enhancing data driven analytics Maybank

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