Financial Results Presentation

RM million Asset Quality Annualised net credit charge off rate of 38 bps with Group GIL ratio of 2.62% Allowances for losses on loans Group Gross Impaired Loans (GIL) Ratio Composition Loan loss coverage incl. Regulatory Reserve Loan loss coverage GIL Ratio Components Jun 2019 Mar 2019 Dec 2018 Sep 2018 Jun 2018 Allowances for losses on loans Non Performing Loans (NPL) 2.01% 1.72% 1.74% 1.90% 1.81% 93.6% 92.6% 93.6% 94.1% 90.2% Restructured & Rescheduled (R&R) 0.16% 0.15% 0.12% 0.16% 0.22% 80.7% 79.6% 83.6% 82.6% Performing Loans 78.0% Impaired Due to 0.45% 0.61% 0.55% 0.59% 0.61% Judgmental/ Obligatory Triggers (IPL) GIL Ratio 2.62% 2.48% 2.41% 2.65% 2.64% 582.1 418.5 81.3 604.0 391.6 GIL Ratio by Home Markets 1,091.5 995.6 4.05% 4.13% 3.72% 4.00% 4.26% 3.68% 3.70% 3.43% 3.49% 3.26% 2.13% 2.11% 1.88% 1.86% 2.11% 2Q 3Q 4Q 1Q 2Q FY2018 FY2018 FY2018 FY2019 FY2019 Note: 1H FY2018 FY2019 1H Loan loss coverage includes ECL for loans at FVOCI as per Note A11(xii) of the Group's Financial Statements 10 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Malaysia Singapore Indonesia Maybank

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