Maybank Performance Outlook FY2019

53 53 Maybank Indonesia: Financial Ratios and Loans Portfolio Breakdown Key Operating Ratios Loans Portfolio Breakdown Key Operating Ratios Dec18 Sep 18 Dec 17 YOY IDR Trillion 31 Dec 2018 30 Sep 31 Dec QoQ YOY 2018 2017 Profitability & Efficiency CFS 102.3 100.1 2.2% 95.3 7.4% Return On Assets 1.74% 1.59% 1.48% 0.26% CFS Retail 44.0 44.3 (0.5)% 42.7 3.1% Return On Equities (Tier 1) 10.21% 9.53% 9.91% 0.30% Auto Loan 24.9 25.2 (1.3)% 23.4 6.3% Net Interest Margin 5.24% 5.24% 5.17% 0.07% Mortgage 15.7 15.6 0.2% 16.0 (2.2)% Cost to Income Ratio 58.10% 59.35% 55.53% 2.56% CC + Personal Loan 3.1 3.0 2.5% 2.8 7.6% Asset Quality Other loans 0.4 0.4 (2.3)% 0.4 0.8% NPL - Gross 2.59% 2.73% 2.81% (0.22)% CFS Non-Retail 58.3 55.8 4.4% 52.6 10.9% Liquidity & Capital Adequacy Business Banking 34.0 32.7 3.8% 30.9 9.8% LCR CET1 CAR 118.58% 116.01% 140.74% 16.85% 16.44% 14.64% 2.21% 19.04% 18.78% 17.53% 1.51% (22.17)% RSME 24.3 23.1 5.2% 21.6 12.4% Global Banking 31.0 31.1 (0.3)% 30.2 2.9% Total 133.3 131.2 1.6% 125.4 6.3% Note: Maybank Indonesia's loans breakdown is mapped in accordance to its local regulatory reporting requirements. Maybank

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