FY2023 M25+ Progress: Enhancing Digital Banking

Islamic Banking: Performance Overview Group Islamic Banking Financial Performance �Maybank Islamic Maybank Islamic: Total Gross Financing¹ grew to RM245.9 billion RM million Total Income Profit Before Tax Financing & Advances Deposits & Investment Account: Deposits from Customers Investment Account 1Q FY2023 1Q FY2022 YOY 1,795.3 939.7 259,564.71 3.2% (10.6)% 239,442.51 8.4% 248,537.9 224,958.5 10.5% 1,740.1 1,051.5 221,163.3 27,374.6 196,986.0 27,972.5 12.3% (2.1)% Maybank Islamic: Key Financial Ratios Total Capital Ratio (TCR) Net Profit Margin (YTD) Cost to Income Ratio (CIR) Direct FDR² 16.82% 1Q FY2023 1.96% 1Q FY2023 38.1% 1Q FY2023 94.6% 1Q FY2023 1Q FY2022: 17.89% 1Q FY2022: 2.27% 1Q FY2022: 29.2% 1Q FY2022: 94.7% Note: RM billion +11% 76.0 68.6 +5% +13% 51.6 52.8 50.4 45.9 Mar 22 Mar 23 (1)% +10% 30.5 30.4 AITAB Mortgage Term Financing +25% 9.1 11.4 Others (CFS) Term Financing 21.5 23.7 Others (GB) CFS: +10% 1GB: +4% Note: Figures are as per latest segmentation breakdown Maybank Islamic Contribution to Maybank Malaysia Loans and Financing as at 31 March 2023 Maybank Islamic, 67.6% Mar 2022 66.0% Jun 2022 65.7% Sep 2022 66.1% Dec 2022 67.2% Malaysia, 32.4% Mar 2023 67.6% 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) 40 40

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